SOFI
SoFi Technologies, Inc.
SOFI has the edge over TFSL overall, supported by stronger valuation and stronger modeled upside.
TFSL
TFS Financial Corporation
TFSL 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.
TFSL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TFSL's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TFSL.
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 TFSL in the historical PE scenario, which offers more potential upside but is not a forecast.
TFSL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 43x | $16.38 | — |
| Cheap | 45x | $16.07 | -1.9% |
| Current | 46x | $16.38 | — |
| Fair | 50x | $18.02 | +10% |
| Expensive | 63x | $22.77 | +39% |
Historical ranges are pointers, not guarantees.
TFSL's PE is in its cheap range at 46x. If earnings grow as analysts expect, today's price would be 43x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
TFSL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TFSL, with profitability improving.
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 earned $0.56 per share over the past year, about the same as the year before.
TFSL Earnings Per Share
TFSL and SOFI do not have enough comparable growth data to identify a winner.
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 TFSL 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.
TFSL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $89.3M | +8.8% |
| Q1 2026 | $85.2M | +7.7% |
| Q4 2025 | $83.7M | +12% |
| Q3 2025 | $85.5M | +14% |
| Q2 2025 | $82M | +8.6% |
| Q1 2025 | $79.1M | +2.6% |
| Q4 2024 | $74.8M | -0.8% |
| Q3 2024 | $75.1M | -0.4% |
TFSL's revenue has grown year over year for six quarters in a row: $89M last quarter, up 8.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 43% | +10 points |
| Q1 2026 | 35% | +1.5 points |
| Q4 2025 | 34% | -3.9 points |
| Q3 2025 | 38% | +7.3 points |
| Q2 2025 | 33% | -0.1 points |
| Q1 2025 | 34% | -0.1 points |
| Q4 2024 | 38% | +3.3 points |
| Q3 2024 | 31% | -0.4 points |
TFSL 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.
TFSL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $29M | +16% |
| Q1 2026 | $13.4M | -6.2% |
| Q4 2025 | $57.1M | +27% |
| Q3 2025 | -$13.2M | +$46.1M |
| Q2 2025 | $25M | -74% |
| Q1 2025 | $14.3M | +6.6% |
| Q4 2024 | $44.9M | +26% |
| Q3 2024 | -$59.4M | -565% |
TFSL 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 | — |
TFSL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +242K shares |
| 1 year | +0.1% | +303K shares |
| 3 years | +0.6% | +1.6M shares |
| 5 years | +0.4% | +1.2M shares |
| Available history | +1% | +2.8M shares |
TFSL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.2M |
| Q1 2026 | $2.1M |
| Q4 2025 | $3M |
| Q3 2025 | $2.5M |
| Q2 2025 | $744,000 |
| Q1 2025 | — |
| Q4 2024 | $767,000 |
| Q3 2024 | $1,000 |
TFSL spent $9M buying back its own shares over the past year, about six times what it spent 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 TFSL on leverage, with a lower net debt burden relative to earnings.
TFSL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 33.9x | High |
| Q1 2026 | 33.0x | High |
| Q4 2025 | 32.3x | High |
| Q3 2025 | 32.2x | High |
| Q2 2025 | 34.9x | High |
| Q1 2025 | 33.3x | High |
| Q4 2024 | 34.3x | High |
| Q3 2024 | 36.3x | High |
TFSL's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TFSL.
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).
TFSL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 16.3 | Oversold |
TFSL's weekly RSI is 48 (neutral) and its Stochastic is 16 (oversold).
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over TFSL on valuation relative to its sector.
TFSL PE vs Financial Services Sector
| Metric | TFSL | Sector median | Relative |
|---|---|---|---|
| PE | 46x | 13x | 249% above |
| PE % | 24 | 63 | 39 pts below |
TFSL is trading at 46x earnings, a 249% premium to the Financial Services sector's median of 13x.
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.
TFSL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.5 | 0.5% below |
| 20 week MA | $17.2 | 4.8% below |
| 50 week MA | $15.7 | 4.1% above |
| 100 week MA | $14.4 | 14% above |
| 200 week MA | $13.8 | 19% above |
TFSL 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.
TFSL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.7 | -9.8% |
| 2021 | $17.7 | $17.7 | +0.2% |
| 2022 | $17.7 | $14.2 | -20% |
| 2023 | $14.2 | $14.7 | +3.7% |
| 2024 | $14.7 | $12.6 | -14% |
| 2025 | $12.6 | $14.0 | +11% |
| 2026 YTD | $14.0 | $16.4 | +17% |
TFSL has the edge over SOFI on returns for 2026, with the stronger performance.