SOFI
SoFi Technologies, Inc.
SOFI has the edge over THFF overall, supported by stronger valuation and stronger modeled upside.
THFF
First Financial Corporation
THFF 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.
THFF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
THFF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like THFF.
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 THFF in the historical PE scenario, which offers more potential upside but is not a forecast.
THFF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $59.78 | -22% |
| Forward | 9.4x | $76.99 | — |
| Fair | 9.7x | $75.07 | -2.5% |
| Current | 10x | $76.99 | — |
| Expensive | 11x | $86.61 | +13% |
Historical ranges are pointers, not guarantees.
THFF's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 9.4x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over THFF on the outlook, with more favorable profitability expectations.
THFF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for THFF, but weaker profitability.
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.
THFF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.19 | +6.3% |
| Q3 2026 | $7.70 | +23% |
| Q2 2026 | $7.14 | +37% |
| Q1 2026 | $6.80 | +47% |
| Q4 2025 | $6.68 | +67% |
| Q3 2025 | $6.24 | +70% |
| Q2 2025 | $5.23 | +21% |
| Q1 2025 | $4.62 | -1.3% |
| Q4 2024 | $4.00 | -21% |
THFF has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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 THFF on sales, with stronger typical year-over-year growth.
| 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.
THFF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $75M | +14% |
| Q2 2026 | $71.9M | +14% |
| Q1 2026 | $68.2M | +9.1% |
| Q4 2025 | $70.6M | +14% |
| Q3 2025 | $65.8M | +13% |
| Q2 2025 | $63.1M | +28% |
| Q1 2025 | $62.5M | +29% |
| Q4 2024 | $61.8M | +22% |
THFF's revenue has grown year over year for nine quarters in a row: $75M last quarter, up 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +6.8 points |
| Q2 2026 | 39% | +2.8 points |
| Q1 2026 | 36% | -1.8 points |
| Q4 2025 | 37% | +5 points |
| Q3 2025 | 39% | +21 points |
| Q2 2025 | 36% | +8.6 points |
| Q1 2025 | 38% | +11 points |
| Q4 2024 | 32% | +4.7 points |
THFF 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.
THFF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $34.9M | +36% |
| Q2 2026 | $16.8M | +45% |
| Q1 2026 | $21.9M | +7% |
| Q4 2025 | $28.6M | +93% |
| Q3 2025 | $25.8M | +32% |
| Q2 2025 | $11.6M | +37% |
| Q1 2025 | $20.5M | +79% |
| Q4 2024 | $14.8M | -21% |
THFF 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 | — |
THFF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +0.3% | +41K shares |
| 3 years | -0.1% | -9K shares |
| 5 years | -11% | -1.5M shares |
| Available history | -7.6% | -973K shares |
THFF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $332,000 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $795,000 |
| Q4 2024 | — |
THFF has spent almost nothing on buybacks in the past year.
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 THFF on leverage, with a lower net debt burden relative to earnings.
THFF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.4x | Healthy |
| Q2 2026 | 1.7x | Healthy |
| Q1 2026 | 1.0x | Healthy |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.8x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | -1.0x | Net Cash |
THFF's net debt is about 1.4 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like THFF.
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).
THFF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.1 | Neutral |
| Stochastic | 39.3 | Neutral |
THFF's weekly RSI is 57 (neutral) and its Stochastic is 39 (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.
THFF PE vs Financial Services Sector
| Metric | THFF | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 58 | 63 | 5 pts below |
THFF 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.
THFF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $75.5 | 2% above |
| 20 week MA | $77.3 | 0.4% below |
| 50 week MA | $70.4 | 9.4% above |
| 100 week MA | $61.2 | 26% above |
| 200 week MA | $50.1 | 54% above |
THFF 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.
THFF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $45.9 | $39.1 | -15% |
| 2021 | $39.1 | $45.0 | +15% |
| 2022 | $45.0 | $46.4 | +3% |
| 2023 | $46.4 | $43.0 | -7.2% |
| 2024 | $43.0 | $46.6 | +8.3% |
| 2025 | $46.6 | $62.0 | +33% |
| 2026 YTD | $62.0 | $77.0 | +24% |
THFF has the edge over SOFI on returns for 2026, with the stronger performance.