SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
TONX
TON Strategy Co.
There isn't enough reported data to score TONX yet.
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.
TONX Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Under pressure | |
| N/A | |
| N/A |
TONX's revenue is currently healthy, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like TONX.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
TONX PE Valuation
TONX has no meaningful PE right now: it lost money over the past year.
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.
TONX Forward outlook
There aren't enough analyst estimates for TONX to show an outlook.
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 TONX on earnings quality, reporting a profit while its opponent remains loss making.
TONX Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$1.91 | +$21.62 |
| Q1 2026 | -$5.01 | +$20.73 |
| Q4 2025 | -$5.96 | +$39.27 |
| Q3 2023 | -$2,144.00 | +$256.00 |
| Q2 2023 | -$2,648.00 | +$232.00 |
| Q1 2023 | -$2,718.00 | +$1,122.00 |
| Q4 2022 | -$3,120.00 | +$1,280.00 |
| Q3 2022 | -$2,400.00 | +$3,760.00 |
TONX lost $1.91 per share over the past year, a smaller loss than 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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 has the edge over TONX on profitability, with a higher operating margin.
TONX Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $15M | +607% |
| Q1 2026 | $5.3M | +303% |
| Q4 2025 | $5.7M | +694% |
| Q3 2025 | $3.6M | +2720% |
| Q2 2025 | $2.1M | +5638% |
| Q1 2023 | $2.2M | -18% |
| Q4 2022 | $2.2M | -20% |
| Q3 2022 | $2.2M | -25% |
TONX's revenue has grown year over year for five quarters in a row: $15M last quarter, up 607% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 3.2% | +141 points |
| Q1 2026 | -74% | +130 points |
| Q4 2025 | -159% | +354 points |
| Q3 2025 | -602% | +1205 points |
| Q2 2025 | -138% | +6362 points |
| Q1 2025 | -204% | N/A |
| Q4 2024 | -513% | N/A |
| Q3 2024 | -1806% | N/A |
TONX's operating margin was 3.2% last quarter, up 141 points from the same quarter a year ago, near the top of its range since 2019.
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.
TONX Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$5.9M | -$3.7M |
| Q1 2026 | -$4.7M | -$3.6M |
| Q4 2025 | -$8M | -$6M |
| Q3 2025 | -$9.4M | -$7.7M |
| Q2 2025 | -$2.3M | +$807K |
| Q1 2025 | -$1.1M | +$1.1M |
| Q4 2024 | -$2M | +$109K |
| Q3 2024 | -$1.8M | +$195K |
TONX has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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 the edge over TONX on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
TONX Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +466K shares |
| 1 year | +5654% | +57.7M shares |
| 3 years | +484055% | +58.7M shares |
| 5 years | +2027360% | +58.7M shares |
TONX has 59M diluted shares, up 5654% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $6.3M |
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
TONX Net Leverage
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).
TONX Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.1 | Neutral |
| Stochastic | 36.8 | Neutral |
TONX's weekly RSI is 55 (neutral) and its Stochastic is 37 (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.
TONX PE vs Financial Services Sector
TONX has no meaningful PE right now: it lost money over the past year.
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.
TONX Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.18 | 15% above |
| 20 week MA | $3.14 | 16% above |
| 50 week MA | $2.89 | 26% above |
| 100 week MA | $4.98 | 27% below |
| 200 week MA | $121.8 | 97% below |
TONX 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.
TONX Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10,560.0 | $15,680.0 | +48% |
| 2021 | $15,680.0 | $11,280.0 | -28% |
| 2022 | $11,280.0 | $928.0 | -92% |
| 2023 | $928.0 | $34.4 | -96% |
| 2024 | $34.4 | $6.60 | -81% |
| 2025 | $6.60 | $2.19 | -67% |
| 2026 YTD | $2.19 | $3.65 | +67% |
TONX has the edge over SOFI on returns for 2026, with the stronger performance.