SOFI
SoFi Technologies, Inc.
SOFI has the edge over UCB overall, supported by stronger modeled upside and stronger valuation.
UCB
United Community Banks, Inc.
UCB 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.
UCB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UCB'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 UCB.
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.
UCB PE Valuation
UCB 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 |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
UCB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UCB, 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.
UCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.37 | +10% |
| Q2 2026 | $3.05 | +39% |
| Q1 2026 | $2.73 | +29% |
| Q4 2025 | $2.62 | +28% |
| Q3 2025 | $2.52 | +65% |
| Q2 2025 | $2.20 | +43% |
| Q1 2025 | $2.11 | +38% |
| Q4 2024 | $2.04 | +32% |
| Q3 2024 | $1.53 | -30% |
UCB 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 UCB 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.
UCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $279.3M | +7.3% |
| Q1 2026 | $276.5M | +12% |
| Q4 2025 | $278.4M | +11% |
| Q3 2025 | $276.8M | +27% |
| Q2 2025 | $260.2M | +6.1% |
| Q1 2025 | $247.7M | +3.7% |
| Q4 2024 | $250.9M | +39% |
| Q3 2024 | $217.3M | -7.4% |
UCB's revenue has grown year over year for seven quarters in a row: $279M last quarter, up 7.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 53% | +15 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 40% | +2 points |
| Q3 2025 | 43% | +15 points |
| Q2 2025 | 39% | +3.6 points |
| Q1 2025 | 37% | +3 points |
| Q4 2024 | 38% | +32 points |
| Q3 2024 | 28% | +2 points |
UCB 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.
UCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $121.4M | +43% |
| Q1 2026 | $62.4M | -34% |
| Q4 2025 | $59.7M | -58% |
| Q3 2025 | $117.7M | +$119.9M |
| Q2 2025 | $84.7M | -2.9% |
| Q1 2025 | $94.3M | +26% |
| Q4 2024 | $142.6M | +1588% |
| Q3 2024 | -$2.2M | -103% |
UCB 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 | — |
UCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -281K shares |
| 1 year | -0.8% | -990K shares |
| 3 years | +3.9% | +4.6M shares |
| 5 years | +38% | +33M shares |
| Available history | +51% | +40.7M shares |
UCB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | $37.1M |
| Q4 2025 | $30.3M |
| Q3 2025 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $10M |
UCB spent $67M 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 UCB on leverage, with a lower net debt burden relative to earnings.
UCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.0x | Very low |
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | 0.2x | Very low |
| Q4 2024 | 0.4x | Very low |
| Q3 2024 | 0.4x | Very low |
UCB's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like UCB.
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).
UCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 78.3 | Neutral |
UCB's weekly RSI is 62 (neutral) and its Stochastic is 78 (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 UCB on valuation relative to its sector.
UCB PE vs Financial Services Sector
| Metric | UCB | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 137% above |
| PE % | 100 | 63 | 37 pts above |
UCB has no meaningful PE right now: it lost money over the past year.
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.
UCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.5 | 5.1% above |
| 20 week MA | $35.5 | 4.9% above |
| 50 week MA | $34.0 | 9.6% above |
| 100 week MA | $32.1 | 16% above |
| 200 week MA | $29.8 | 25% above |
UCB 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.
UCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.9 | $28.7 | -7.1% |
| 2021 | $28.7 | $34.4 | +20% |
| 2022 | $34.4 | $33.5 | -2.5% |
| 2023 | $33.5 | $29.3 | -13% |
| 2024 | $29.3 | $32.4 | +11% |
| 2025 | $32.4 | $32.3 | -0.2% |
| 2026 YTD | $32.3 | $37.3 | +15% |
UCB has the edge over SOFI on returns for 2026, with the stronger performance.