SOFI
SoFi Technologies, Inc.
SOFI has the edge over UNTY overall, supported by stronger valuation and stronger modeled upside.
UNTY
Unity Bancorp, Inc.
UNTY 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.
UNTY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UNTY'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 UNTY.
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 UNTY in the historical PE scenario, which offers more potential upside but is not a forecast.
UNTY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $41.11 | -30% |
| Fair | 8.4x | $50.62 | -13% |
| Forward | 9.3x | $58.34 | — |
| Current | 9.7x | $58.34 | — |
| Expensive | 10x | $60.94 | +4.5% |
Historical ranges are pointers, not guarantees.
UNTY's PE is in its expensive range at 9.7x. If earnings grow as analysts expect, today's price would be 9.3x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over UNTY on the outlook, with more favorable valuation and profitability expectations.
UNTY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UNTY, with profitability holding steady.
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.
UNTY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.27 | +3.7% |
| Q3 2026 | $6.04 | +14% |
| Q2 2026 | $5.75 | +16% |
| Q1 2026 | $5.94 | +39% |
| Q4 2025 | $5.67 | +40% |
| Q3 2025 | $5.28 | +36% |
| Q2 2025 | $4.94 | +30% |
| Q1 2025 | $4.26 | +12% |
| Q4 2024 | $4.06 | +5.7% |
UNTY 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 UNTY 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.
UNTY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $36.7M | +12% |
| Q2 2026 | $33.7M | -1.8% |
| Q1 2026 | $33.6M | +14% |
| Q4 2025 | $35.3M | +24% |
| Q3 2025 | $32.8M | +19% |
| Q2 2025 | $34.4M | +35% |
| Q1 2025 | $29.4M | +15% |
| Q4 2024 | $28.4M | +6.8% |
UNTY's revenue is growing: $37M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 55% | -2.9 points |
| Q2 2026 | 55% | -7.4 points |
| Q1 2026 | 55% | +2.5 points |
| Q4 2025 | 56% | +4.8 points |
| Q3 2025 | 57% | +4.8 points |
| Q2 2025 | 63% | +13 points |
| Q1 2025 | 53% | +2.5 points |
| Q4 2024 | 51% | +2 points |
UNTY 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.
UNTY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $48.2M | +6.3% |
| Q2 2026 | -$38.8M | -$13.3M |
| Q1 2026 | $14.5M | -18% |
| Q4 2025 | $6.9M | -69% |
| Q3 2025 | $45.3M | +159% |
| Q2 2025 | -$25.5M | -$16.9M |
| Q1 2025 | $17.6M | +12% |
| Q4 2024 | $22.7M | -8.3% |
UNTY 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 | — |
UNTY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +12K shares |
| 1 year | 0% | -- |
| 3 years | -0.2% | -25K shares |
| 5 years | -2.6% | -274K shares |
| Available history | -7.2% | -796K shares |
UNTY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $324,000 |
| Q4 2025 | $3.1M |
| Q3 2025 | — |
| Q4 2024 | $11,000 |
| Q3 2024 | $281,000 |
| Q2 2024 | $1.8M |
UNTY spent $3M 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
UNTY Net Leverage
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).
UNTY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 48.4 | Neutral |
UNTY's weekly RSI is 55 (neutral) and its Stochastic is 48 (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.
UNTY PE vs Financial Services Sector
| Metric | UNTY | Sector median | Relative |
|---|---|---|---|
| PE | 9.7x | 13x | 26% below |
| PE % | 75 | 63 | 12 pts above |
UNTY 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.
UNTY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $56.6 | 3% above |
| 20 week MA | $58.0 | 0.6% above |
| 50 week MA | $55.4 | 5.3% above |
| 100 week MA | $50.9 | 15% above |
| 200 week MA | $39.7 | 47% above |
UNTY 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.
UNTY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.7 | $17.3 | -24% |
| 2021 | $17.3 | $25.3 | +47% |
| 2022 | $25.3 | $27.4 | +8% |
| 2023 | $27.4 | $29.6 | +8.2% |
| 2024 | $29.6 | $43.3 | +46% |
| 2025 | $43.3 | $52.5 | +21% |
| 2026 YTD | $52.5 | $58.3 | +11% |
UNTY has the edge over SOFI on returns for 2026, with the stronger performance.