SOFI
SoFi Technologies, Inc.
SOFI has the edge over TRIN overall, supported by stronger valuation and stronger fundamentals.
TRIN
Trinity Capital Inc.
TRIN 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.
TRIN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
TRIN's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRIN.
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 TRIN in the historical PE scenario, which offers more potential upside but is not a forecast.
TRIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.3x | $9.73 | -46% |
| Fair | 7.1x | $13.17 | -26% |
| Forward | 8.6x | $17.87 | — |
| Expensive | 8.9x | $16.54 | -7.5% |
| Current | 9.7x | $17.87 | — |
Historical ranges are pointers, not guarantees.
TRIN's PE is in its expensive range at 9.7x. On analysts' estimates for next year's earnings, today's price would be 8.6x.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over TRIN on the outlook, with more favorable earnings and profitability expectations.
TRIN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect TRIN's revenue to grow, but its profitability to weaken.
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 TRIN on earnings, with more consistent year-over-year improvement.
TRIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.09 | +13% |
| Q3 2026 | $1.85 | -17% |
| Q2 2026 | $1.75 | -23% |
| Q1 2026 | $1.89 | -15% |
| Q4 2025 | $1.96 | -6.7% |
| Q3 2025 | $2.23 | +32% |
| Q2 2025 | $2.27 | +37% |
| Q1 2025 | $2.23 | +40% |
| Q4 2024 | $2.10 | +11% |
TRIN earned $1.85 per share over the past year, down 17% 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 TRIN 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.
TRIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1M | +43% |
| Q2 2026 | $1.1M | -27% |
| Q1 2026 | $900K | -40% |
| Q4 2025 | $1.2M | -29% |
| Q3 2025 | $700K | -56% |
| Q2 2025 | $1.5M | 0% |
| Q1 2025 | $1.5M | -63% |
| Q4 2024 | $1.7M | -35% |
TRIN's revenue is recovering but still below its 2024 peak: $1M last quarter, up 43% 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.
TRIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$66.3M | +$117.3M |
| Q2 2026 | -$198.6M | -$75.1M |
| Q1 2026 | -$45.8M | +$17.6M |
| Q4 2025 | -$165M | -996% |
| Q3 2025 | -$183.6M | +$48.4M |
| Q2 2025 | -$123.5M | -$101.6M |
| Q1 2025 | -$63.3M | +$18.1M |
| Q4 2024 | $18.4M | +$154.8M |
TRIN 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 TRIN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
TRIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +5.1% | +4.6M shares |
| 1 year | +33% | +23.6M shares |
| 3 years | +117% | +51.3M shares |
TRIN has 95M diluted shares, up 33% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.2M |
| Q2 2026 | $943,000 |
| Q1 2026 | $1.6M |
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.
TRIN 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).
TRIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.3 | Neutral |
| Stochastic | 57.2 | Neutral |
TRIN's weekly RSI is 57 (neutral) and its Stochastic is 57 (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.
TRIN PE vs Financial Services Sector
| Metric | TRIN | Sector median | Relative |
|---|---|---|---|
| PE | 9.7x | 13x | 26% below |
| PE % | 95 | 62 | 33 pts above |
TRIN 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.
TRIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.2 | 4% above |
| 20 week MA | $17.6 | 1.5% above |
| 50 week MA | $16.5 | 8.2% above |
| 100 week MA | $15.8 | 13% above |
| 200 week MA | $14.9 | 20% above |
TRIN 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.
TRIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $15.0 | $17.3 | +15% |
| 2022 | $17.3 | $11.7 | -33% |
| 2023 | $11.7 | $14.5 | +25% |
| 2024 | $14.5 | $14.8 | +1.8% |
| 2025 | $14.8 | $15.2 | +2.8% |
| 2026 YTD | $15.2 | $17.9 | +18% |
TRIN has the edge over SOFI on returns for 2026, with the stronger performance.