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.
TPVG
TriplePoint Venture Growth BDC Corp.
There isn't enough reported data to score TPVG 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.
TPVG Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
TPVG's profitability is currently healthy, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like TPVG.
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.
TPVG PE Valuation
TPVG 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 |
SOFI has the edge over TPVG on the outlook, with more favorable earnings and revenue expectations.
TPVG Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect TPVG's earnings and revenue to decline, with profitability weakening.
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 stronger earnings trend. Trailing diluted EPS is flat for SOFI versus TPVG down 65%.
TPVG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.81 | -14% |
| Q2 2022 | $1.61 | +16% |
| Q1 2022 | $2.68 | +59% |
| Q4 2021 | $2.48 | +118% |
| Q3 2021 | $2.18 | +79% |
| Q2 2021 | $1.39 | +247% |
| Q1 2021 | $1.69 | +152% |
| Q4 2020 | $1.14 | -12% |
TPVG's earnings per share have fallen from their peak: $0.94 over the past year, against $2.68 in early 2022.
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% |
TPVG has the stronger quarterly revenue trend. Revenue is up 44% for SOFI versus up 48% for TPVG.
| 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.
TPVG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2023 | $18.4M | +48% |
| Q3 2022 | $9.2M | -79% |
| Q1 2022 | $12.4M | -30% |
| Q4 2021 | $20.3M | +94% |
| Q3 2021 | $44.6M | +135% |
| Q2 2021 | $18.1M | -34% |
| Q1 2021 | $17.8M | +2396% |
| Q4 2020 | $10.5M | -13% |
TPVG's revenue is recovering but still below its 2021 peak: $18M last quarter, up 48% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2023 | 42% | -4.3 points |
| Q3 2022 | 4.7% | -83 points |
| Q1 2022 | 46% | -21 points |
| Q4 2021 | 68% | +23 points |
| Q3 2021 | 87% | +11 points |
| Q2 2021 | 66% | -11 points |
| Q1 2021 | 67% | +786 points |
| Q4 2020 | 46% | -1.6 points |
TPVG's operating margin was 42% last quarter, down 46 points from the same quarter a year ago.
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.
TPVG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $59.5M | +$129.5M |
| Q2 2026 | $16.8M | +$29.4M |
| Q1 2026 | -$6.4M | -$1.5M |
| Q4 2025 | $30.6M | -34% |
| Q3 2025 | -$70M | -696% |
| Q2 2025 | -$12.7M | -117% |
| Q1 2025 | -$4.9M | -127% |
| Q4 2024 | $46.6M | +8.1% |
TPVG 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 | — |
TPVG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +108K shares |
| 1 year | +0.9% | +366K shares |
| 3 years | +15% | +5.2M shares |
| 5 years | +31% | +9.7M shares |
| Available history | +63% | +15.8M shares |
TPVG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | $55.3M |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
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.
TPVG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 90.7x | High |
| Q2 2022 | 10.3x | High |
| Q1 2022 | 5.2x | High |
| Q4 2021 | 5.4x | High |
| Q3 2021 | 4.8x | High |
| Q2 2021 | 5.3x | High |
| Q1 2021 | 4.3x | High |
| Q4 2020 | 6.3x | High |
TPVG's net debt is more than 20 years of its operating earnings (EBITDA), up from 4.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TPVG.
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).
TPVG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 14.6 | Oversold |
TPVG's weekly RSI is 33 (neutral) and its Stochastic is 15 (oversold).
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.
TPVG PE vs Financial Services Sector
| Metric | TPVG | Sector median | Relative |
|---|---|---|---|
| PE | 4.8x | 13x | 63% below |
| PE % | 7 | 63 | 56 pts below |
TPVG 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 the edge over TPVG on trend strength, trading above more of its moving averages.
TPVG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.50 | 13% below |
| 20 week MA | $4.80 | 18% below |
| 50 week MA | $5.32 | 26% below |
| 100 week MA | $6.04 | 35% below |
| 200 week MA | $8.00 | 51% below |
TPVG is in a downtrend: it's below all five of its weekly moving averages, and 51% below its 200-week average.
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.
TPVG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.2 | $13.1 | -7.8% |
| 2021 | $13.1 | $17.5 | +34% |
| 2022 | $17.5 | $11.1 | -36% |
| 2023 | $11.1 | $10.9 | -2.4% |
| 2024 | $10.9 | $7.31 | -33% |
| 2025 | $7.31 | $6.32 | -14% |
| 2026 YTD | $6.32 | $3.93 | -38% |
TPVG has the edge over SOFI on returns for 2026, with the stronger performance.