SOFI
SoFi Technologies, Inc.
SOFI has the edge over TWFG overall, supported by stronger valuation and stronger modeled upside.
TWFG
TWFG, Inc. Common Stock
TWFG's outlook is improving, though it still trails on the 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.
TWFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TWFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TWFG.
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 TWFG in the historical PE scenario, which offers more potential upside but is not a forecast.
TWFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 23x | $26.72 | — |
| Cheap | 34x | $20.20 | -24% |
| Fair | 41x | $23.99 | -10% |
| Current | 45x | $26.72 | — |
| Expensive | 47x | $27.74 | +3.8% |
Historical ranges are pointers, not guarantees.
TWFG's PE is 45x, 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 |
SOFI has the edge over TWFG on the outlook, with more favorable profitability expectations.
TWFG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for TWFG, with profitability holding steady. However, they disagree widely on these estimates.
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.
TWFG Earnings Per Share
TWFG and SOFI do not have enough comparable growth data to identify a winner.
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 TWFG 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 has the edge over TWFG on profitability, with a higher operating margin.
TWFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | +25% |
| Q2 2026 | $87.5M | +45% |
| Q1 2026 | $72.8M | +35% |
| Q4 2025 | $70.3M | +42% |
| Q3 2025 | $64.1M | +17% |
| Q2 2025 | $60.3M | +13% |
| Q1 2025 | $53.8M | +20% |
| Q4 2024 | $49.5M | +30% |
TWFG's revenue has grown year over year every quarter since early 2024: $80M last quarter, up 25% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.8 points |
| Q2 2026 | 20% | +7.9 points |
| Q1 2026 | 17% | +6.3 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 14% | -0.1 points |
| Q2 2025 | 12% | -2.4 points |
| Q1 2025 | 11% | -5.7 points |
| Q4 2024 | 10% | +7.3 points |
TWFG's operating margin was 11% last quarter, down 2.8 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.
TWFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.4M | -30% |
| Q2 2026 | $9.3M | -2.7% |
| Q1 2026 | $22.4M | +43% |
| Q4 2025 | $13.1M | +50% |
| Q3 2025 | $14.9M | +30% |
| Q1 2025 | $15.6M | +$26.9M |
| Q4 2024 | $8.7M | +$11.7M |
| Q3 2024 | $11.5M | +73% |
TWFG 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 | — |
TWFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -98.7K shares |
| 1 year | -14% | -2.1M shares |
TWFG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $26.3M |
| Q1 2026 | $16.6M |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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 TWFG on leverage, with a lower net debt burden relative to earnings.
TWFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -2.8x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TWFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TWFG.
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).
TWFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.4 | Neutral |
| Stochastic | 50.3 | Neutral |
TWFG's weekly RSI is 53 (neutral) and its Stochastic is 50 (neutral).
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 TWFG on valuation relative to its sector.
TWFG PE vs Financial Services Sector
| Metric | TWFG | Sector median | Relative |
|---|---|---|---|
| PE | 45x | 13x | 248% above |
| PE % | 70 | 22 | 48 pts above |
TWFG is trading at 45x earnings, a 248% 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 |
TWFG has stronger trend alignment. SOFI is above 1 of 5 weekly averages versus TWFG above 2 of 4.
TWFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.3% above |
| 20 week MA | $26.9 | 0.5% below |
| 50 week MA | $24.0 | 12% above |
| 100 week MA | $26.9 | 0.8% below |
TWFG's trend is mixed: it's above two of its four weekly moving averages, and 0.8% below its 100-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.
TWFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $22.6 | $28.9 | +28% |
| 2025 | $28.9 | $29.1 | +0.7% |
| 2026 YTD | $29.1 | $26.7 | -8.2% |
TWFG has the edge over SOFI on returns for 2026, with the stronger performance.