SOFI
SoFi Technologies, Inc.
SOFI has the edge over TFC overall, supported by stronger fundamentals and stronger valuation.
TFC
Truist Financial Corporation
TFC has lower modeled downside risk, despite its lower overall score.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
TFC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
TFC's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like TFC.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over TFC in the historical PE scenario, which offers more potential upside but is not a forecast.
TFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $35.92 | -28% |
| Forward | 10x | $49.89 | — |
| Fair | 12x | $46.89 | -6% |
| Current | 13x | $49.89 | — |
| Expensive | 15x | $57.58 | +15% |
Historical ranges are pointers, not guarantees.
TFC's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over TFC on the outlook, with more favorable revenue expectations.
TFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect TFC's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI has the edge over TFC on earnings, with more consistent year-over-year improvement.
TFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.75 | +22% |
| Q3 2026 | $3.89 | +3.7% |
| Q2 2026 | $4.37 | +18% |
| Q1 2024 | -$1.33 | -130% |
| Q4 2023 | -$1.09 | -125% |
| Q3 2023 | $3.97 | -8.9% |
| Q2 2023 | $4.32 | -2% |
| Q1 2023 | $4.49 | +0.2% |
| Q4 2022 | $4.43 | -0.9% |
TFC earned $3.89 per share over the past year, up 3.7% from the year before.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over TFC on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
TFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.7B | -28% |
| Q2 2026 | $5.3B | +5.6% |
| Q1 2026 | $5.2B | +5.2% |
| Q4 2025 | $5.2B | +3.7% |
| Q3 2025 | $5.2B | +2% |
| Q1 2025 | $4.9B | +1.7% |
| Q4 2024 | $5.1B | -11% |
| Q3 2024 | $5.1B | -10% |
TFC's revenue fell from its 2022 peak and has held roughly level since: $3.7B last quarter, down 28% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | -9.6 points |
| Q2 2026 | 34% | +4.1 points |
| Q1 2026 | 33% | +1.5 points |
| Q4 2025 | 30% | -0.9 points |
| Q3 2025 | 33% | -0.1 points |
| Q2 2025 | 30% | N/A |
| Q1 2025 | 31% | +3 points |
| Q4 2024 | 31% | +121 points |
TFC has the edge over SOFI on profitability, with a higher operating margin.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
TFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.8B | +18% |
| Q2 2026 | $1B | +14% |
| Q1 2026 | $679M | -9% |
| Q4 2025 | $2.6B | +233% |
| Q3 2025 | $1.5B | -2.4% |
| Q1 2025 | $746M | +$1.7B |
| Q4 2024 | $775M | -67% |
| Q3 2024 | $1.5B | -36% |
TFC has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
TFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -12.7M shares |
| 1 year | -5.4% | -70.3M shares |
| 3 years | -8.3% | -111M shares |
| 5 years | -9.1% | -123M shares |
| Available history | -9.7% | -131M shares |
TFC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.2B |
| Q2 2026 | $1.2B |
| Q1 2026 | $1.1B |
| Q4 2025 | $750M |
| Q3 2025 | $500M |
| Q2 2025 | $750M |
| Q1 2025 | $500M |
| Q4 2024 | $500M |
TFC spent $4.3B buying back its own shares over the past year, up 90% from the year before.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over TFC on leverage, with a lower net debt burden relative to earnings.
TFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 9.1x | High |
| Q2 2026 | 8.6x | High |
| Q1 2026 | 8.9x | High |
| Q4 2025 | 9.0x | High |
| Q3 2025 | 9.3x | High |
| Q2 2025 | 7.8x | High |
| Q1 2024 | 143.0x | High |
| Q4 2023 | 57.0x | High |
TFC's net debt is about 9.1 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like TFC.
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
TFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.5 | Neutral |
| Stochastic | 50.7 | Neutral |
TFC's weekly RSI is 52 (neutral) and its Stochastic is 51 (neutral).
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
TFC PE vs Financial Services Sector
| Metric | TFC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.5% below |
| PE % | 63 | 63 | Same percentile |
TFC has the edge over SOFI on valuation relative to its sector.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
TFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.0 | 4% above |
| 20 week MA | $50.0 | 0.2% below |
| 50 week MA | $49.6 | 0.6% above |
| 100 week MA | $46.4 | 7.5% above |
| 200 week MA | $41.7 | 20% above |
TFC has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.
TFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $56.5 | $47.0 | -17% |
| 2021 | $47.0 | $57.8 | +23% |
| 2022 | $57.8 | $42.6 | -26% |
| 2023 | $42.6 | $36.9 | -13% |
| 2024 | $36.9 | $43.7 | +18% |
| 2025 | $43.7 | $50.6 | +16% |
| 2026 YTD | $50.6 | $49.9 | -1.4% |
TFC has the edge over SOFI on returns for 2026, with the stronger performance.