SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
UMAC
Unusual Machines, Inc.
There isn't enough reported data to score UMAC yet.
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.
UMAC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Under pressure | |
| N/A | |
| N/A |
UMAC's revenue is currently strong, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like UMAC.
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.
UMAC PE Valuation
UMAC 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.
UMAC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect UMAC's losses to shrink, with revenue growing. 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 has the edge over UMAC on earnings quality, reporting a profit while its opponent remains loss making.
UMAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$0.71 | +$2.97 |
| Q2 2026 | -$0.16 | +$3.87 |
| Q1 2026 | -$0.32 | +$3.55 |
| Q4 2025 | -$0.74 | +$3.10 |
| Q3 2025 | -$3.68 | -$3.20 |
| Q2 2025 | -$4.03 | -$3.81 |
| Q1 2025 | -$3.87 | -$3.76 |
| Q4 2024 | -$3.84 | -$3.84 |
UMAC is still losing money, but far less than before: $0.71 per share over the past year, against $4.03 at its worst in mid-2025.
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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 UMAC on profitability, with a higher operating margin.
UMAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $13.9M | +551% |
| Q2 2026 | $16.7M | +687% |
| Q1 2026 | $8.1M | +296% |
| Q4 2025 | $4.9M | +144% |
| Q3 2025 | $2.1M | +39% |
| Q2 2025 | $2.1M | +51% |
| Q1 2025 | $2M | +230% |
UMAC's revenue has grown year over year for 11 quarters in a row: $14M last quarter, up 551% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -60% | +172 points |
| Q2 2026 | -47% | +292 points |
| Q1 2026 | -90% | +70 points |
| Q4 2025 | -199% | +444 points |
| Q3 2025 | -232% | -137 points |
| Q2 2025 | -339% | -227 points |
| Q1 2025 | -160% | +16 points |
| Q4 2024 | -642% | N/A |
UMAC's operating margin was −60% last quarter, up 172 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.
UMAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$40.6M | -$31.8M |
| Q1 2026 | -$18.1M | -$16.9M |
| Q4 2025 | -$10.3M | -$9M |
| Q1 2025 | -$1.2M | +$2K |
| Q4 2024 | -$1.3M | -$1.3M |
| Q2 2024 | -$986.2K | -$505.8K |
| Q1 2024 | -$1.2M | -$653.2K |
| Q4 2023 | -$17.3K | +$489K |
UMAC 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 UMAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
UMAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.8% | +1.4M shares |
| 1 year | +130% | +28.2M shares |
| 3 years | +473% | +41.3M shares |
UMAC has 50M diluted shares, up 130% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
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.
UMAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2023 | -12.8x | Net Cash |
UMAC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UMAC.
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).
UMAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.2 | Neutral |
| Stochastic | 5.8 | Oversold |
UMAC's weekly RSI is 38 (neutral) and its Stochastic is 6 (oversold).
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.
UMAC PE vs Financial Services Sector
UMAC 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 stronger trend alignment. SOFI is above 1 of 5 weekly averages versus UMAC above 0 of 4.
UMAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.5 | 32% below |
| 20 week MA | $21.0 | 44% below |
| 50 week MA | $18.0 | 34% below |
| 100 week MA | $13.9 | 15% below |
UMAC is in a downtrend: it's below all four of its weekly moving averages, and 15% 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.
UMAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $2.99 | $17.0 | +468% |
| 2025 | $17.0 | $12.2 | -28% |
| 2026 YTD | $12.2 | $11.8 | -3.1% |
UMAC has the edge over SOFI on returns for 2026, with the stronger performance.