SOFI
SoFi Technologies, Inc.
SOFI has the edge over TW overall, supported by stronger modeled upside and stronger valuation.
TW
Tradeweb Markets Inc.
TW 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.
TW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
TW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TW.
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 TW in the historical PE scenario, which offers more potential upside but is not a forecast.
TW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 29x | $132 | — |
| Current | 31x | $132 | — |
| Cheap | 43x | $184 | +40% |
| Fair | 57x | $243 | +85% |
| Expensive | 76x | $325 | +147% |
Historical ranges are pointers, not guarantees.
TW's PE is 31x, but its earnings don't support one, so it isn't a reliable read right now.
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.
TW Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for TW, 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 earned $0.56 per share over the past year, about the same as the year before.
TW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.57 | +7.1% |
| Q3 2026 | $4.27 | +46% |
| Q2 2026 | $4.19 | +62% |
| Q1 2026 | $4.05 | +67% |
| Q4 2025 | $3.78 | +62% |
| Q3 2025 | $2.92 | +40% |
| Q2 2025 | $2.59 | +29% |
| Q1 2025 | $2.43 | +29% |
| Q4 2024 | $2.33 | +36% |
TW 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 TW 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.
TW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $584.5M | +15% |
| Q2 2026 | $558.9M | +9% |
| Q1 2026 | $617.8M | +21% |
| Q4 2025 | $521.2M | +12% |
| Q3 2025 | $508.6M | +13% |
| Q2 2025 | $513M | +27% |
| Q1 2025 | $509.7M | +25% |
| Q4 2024 | $463.3M | +25% |
TW's revenue has grown year over year every quarter since late 2020: $585M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | +2 points |
| Q2 2026 | 44% | +4.9 points |
| Q1 2026 | 47% | +6.5 points |
| Q4 2025 | 42% | +1.7 points |
| Q3 2025 | 41% | +5.9 points |
| Q2 2025 | 39% | -1.2 points |
| Q1 2025 | 40% | -1 points |
| Q4 2024 | 41% | +2.4 points |
TW 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.
TW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $338M | +3% |
| Q2 2026 | $385.8M | -4.4% |
| Q1 2026 | $94.2M | +61% |
| Q4 2025 | $336.5M | +31% |
| Q3 2025 | $328.3M | +14% |
| Q2 2025 | $403.7M | +44% |
| Q1 2025 | $58.6M | +87% |
| Q4 2024 | $256.8M | +5.4% |
TW 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 | — |
TW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -1.9M shares |
| 1 year | -1.9% | -4.1M shares |
| 3 years | -1.2% | -2.6M shares |
| 5 years | +1.3% | +2.7M shares |
| Available history | +35% | +54.4M shares |
TW has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $206.8M |
| Q2 2026 | $187.2M |
| Q1 2026 | $53.3M |
| Q4 2025 | $103.3M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $844,000 |
| Q4 2024 | $34.7M |
TW spent $551M buying back its own shares over the past year, more than ten times what it spent the year before.
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 TW on leverage, with a lower net debt burden relative to earnings.
TW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -1.7x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -1.4x | Net Cash |
| Q4 2024 | -1.5x | Net Cash |
TW has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TW.
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).
TW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.8 | Overbought |
| Stochastic | 94.6 | Overbought |
TW's weekly RSI is 72 (overbought) and its Stochastic is 95 (overbought).
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over TW on valuation relative to its sector.
TW PE vs Financial Services Sector
| Metric | TW | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 137% above |
| PE % | 9 | 63 | 54 pts below |
TW is trading at 31x earnings, a 137% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
TW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $116.6 | 13% above |
| 20 week MA | $108.5 | 21% above |
| 50 week MA | $109.8 | 20% above |
| 100 week MA | $119.4 | 10% above |
| 200 week MA | $107.5 | 22% above |
TW 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.
TW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.8 | $63.4 | +36% |
| 2021 | $63.4 | $98.9 | +56% |
| 2022 | $98.9 | $64.3 | -35% |
| 2023 | $64.3 | $90.9 | +41% |
| 2024 | $90.9 | $134.9 | +48% |
| 2025 | $134.9 | $107.8 | -20% |
| 2026 YTD | $107.8 | $131.6 | +22% |
TW has the edge over SOFI on returns for 2026, with the stronger performance.