SOFI
SoFi Technologies, Inc.
SOFI has the edge over TRMK overall, supported by stronger valuation and stronger fundamentals.
TRMK
Trustmark Corporation
TRMK 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.
TRMK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TRMK'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 TRMK.
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 TRMK in the historical PE scenario, which offers more potential upside but is not a forecast.
TRMK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $42.45 | -11% |
| Forward | 11x | $47.84 | — |
| Fair | 12x | $48.11 | +0.6% |
| Current | 12x | $47.84 | — |
| Expensive | 15x | $60.55 | +27% |
Historical ranges are pointers, not guarantees.
TRMK's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its cheap range.
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.
TRMK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for TRMK, 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 has the edge over TRMK on earnings, with more consistent year-over-year improvement.
TRMK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.21 | +5.6% |
| Q3 2026 | $3.99 | +9.3% |
| Q2 2026 | $3.93 | +11% |
| Q1 2024 | $2.56 | +68% |
| Q4 2023 | $2.70 | +131% |
| Q3 2023 | $1.57 | -27% |
| Q2 2023 | $1.70 | -5% |
| Q1 2023 | $1.52 | -24% |
| Q4 2022 | $1.17 | -50% |
TRMK's earnings per share have climbed steadily: $3.99 over the past year, up 9.3% from the year before, and higher year over year for eight quarters in a row.
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 TRMK 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.
TRMK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $207.1M | +2.4% |
| Q2 2026 | $208.2M | +4.8% |
| Q1 2026 | $202.9M | +4.2% |
| Q4 2025 | $204.1M | +3.7% |
| Q3 2025 | $202.4M | +5.3% |
| Q1 2025 | $194.6M | +3.4% |
| Q4 2024 | $196.8M | +5.5% |
| Q3 2024 | $192.3M | +0.7% |
TRMK's revenue has grown year over year for eight quarters in a row: $207M last quarter, up 2.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | -0.5 points |
| Q2 2026 | 37% | +2.7 points |
| Q1 2026 | 34% | 0 points |
| Q4 2025 | 35% | +1.7 points |
| Q3 2025 | 34% | +2 points |
| Q2 2025 | 35% | N/A |
| Q1 2025 | 34% | +7.3 points |
| Q4 2024 | 33% | +9.7 points |
TRMK 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.
TRMK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $135.1M | +115% |
| Q2 2026 | $49.5M | +43% |
| Q1 2026 | $20.6M | -74% |
| Q4 2025 | $54.1M | -43% |
| Q3 2025 | $62.7M | +22% |
| Q1 2025 | $80.6M | +$144.2M |
| Q4 2024 | $95.3M | +67% |
| Q3 2024 | $51.2M | -48% |
TRMK 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 | — |
TRMK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -474K shares |
| 1 year | -3.8% | -2.3M shares |
| 3 years | -4.9% | -3M shares |
| 5 years | -8.2% | -5.2M shares |
| Available history | -10% | -6.5M shares |
TRMK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $20.1M |
| Q2 2026 | $21.1M |
| Q1 2026 | $19.8M |
| Q4 2025 | $43M |
| Q3 2025 | $11M |
| Q2 2025 | $11M |
| Q1 2025 | $15M |
| Q4 2023 | — |
TRMK spent $104M buying back its own shares over 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 TRMK on leverage, with a lower net debt burden relative to earnings.
TRMK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | -1.3x | Net Cash |
| Q2 2025 | 0.2x | Very low |
| Q1 2024 | -0.0x | Very low |
| Q4 2023 | -1.6x | Net Cash |
TRMK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TRMK.
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).
TRMK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.1 | Neutral |
| Stochastic | 32.7 | Neutral |
TRMK's weekly RSI is 59 (neutral) and its Stochastic is 33 (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.
TRMK PE vs Financial Services Sector
| Metric | TRMK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.9% below |
| PE % | 47 | 63 | 16 pts below |
TRMK 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.
TRMK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.5 | 5.1% above |
| 20 week MA | $46.3 | 3.3% above |
| 50 week MA | $44.3 | 8.1% above |
| 100 week MA | $40.4 | 18% above |
| 200 week MA | $34.0 | 41% above |
TRMK 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.
TRMK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $34.5 | $27.3 | -21% |
| 2021 | $27.3 | $32.1 | +17% |
| 2022 | $32.1 | $34.7 | +8.4% |
| 2023 | $34.7 | $27.9 | -20% |
| 2024 | $27.9 | $35.9 | +29% |
| 2025 | $35.9 | $40.1 | +12% |
| 2026 YTD | $40.1 | $47.8 | +19% |
TRMK has the edge over SOFI on returns for 2026, with the stronger performance.