SOFI
SoFi Technologies, Inc.
SOFI has the edge over UVSP overall, supported by stronger valuation and stronger modeled upside.
UVSP
Univest Financial Corporation
UVSP 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.
UVSP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVSP'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 UVSP.
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 UVSP in the historical PE scenario, which offers more potential upside but is not a forecast.
UVSP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $27.35 | -33% |
| Forward | 10x | $40.74 | — |
| Fair | 11x | $35.68 | -12% |
| Expensive | 12x | $40.81 | +0.2% |
| Current | 12x | $40.74 | — |
Historical ranges are pointers, not guarantees.
UVSP's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
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.
UVSP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UVSP, 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.
UVSP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.90 | +17% |
| Q3 2026 | $3.34 | +12% |
| Q2 2026 | $3.45 | +26% |
| Q1 2026 | $3.32 | +25% |
| Q4 2025 | $3.13 | +21% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.73 | +12% |
| Q1 2025 | $2.66 | +11% |
| Q4 2024 | $2.58 | +7.1% |
UVSP 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 UVSP 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.
UVSP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $90M | +8.1% |
| Q2 2026 | $84.4M | +4.1% |
| Q1 2026 | $87.5M | +10% |
| Q4 2025 | $84.6M | +10% |
| Q3 2025 | $83.2M | +13% |
| Q2 2025 | $81M | +13% |
| Q1 2025 | $79.2M | +2.8% |
| Q4 2024 | $76.8M | +7.6% |
UVSP's revenue has grown year over year for nine quarters in a row: $90M last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -8.5 points |
| Q2 2026 | 34% | +3 points |
| Q1 2026 | 38% | +3.5 points |
| Q4 2025 | 34% | +3 points |
| Q3 2025 | 39% | +6.6 points |
| Q2 2025 | 31% | -0.5 points |
| Q1 2025 | 35% | +1.6 points |
| Q4 2024 | 31% | +2.4 points |
UVSP 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.
UVSP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +44% |
| Q2 2026 | $22.9M | +4.5% |
| Q1 2026 | $21.6M | +58% |
| Q4 2025 | $30M | +9.5% |
| Q3 2025 | $31.4M | -18% |
| Q2 2025 | $21.9M | +$26.1M |
| Q1 2025 | $13.7M | +30% |
| Q4 2024 | $27.4M | +3.9% |
UVSP 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 | — |
UVSP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -215K shares |
| 1 year | -4.2% | -1.2M shares |
| 3 years | -6.1% | -1.8M shares |
| 5 years | -6.1% | -1.8M shares |
| Available history | -5.3% | -1.6M shares |
UVSP has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $12.9M |
| Q2 2026 | $16.6M |
| Q1 2026 | $11.9M |
| Q4 2025 | $15.4M |
| Q3 2025 | $7.8M |
| Q2 2025 | $4.9M |
| Q1 2025 | $6.5M |
| Q4 2024 | $4.2M |
UVSP spent $57M buying back its own shares over the past year, up 143% from 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 UVSP on leverage, with a lower net debt burden relative to earnings.
UVSP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.5x | Moderate |
| Q4 2024 | 3.1x | Elevated |
UVSP's net debt is about 1.3 years of its operating earnings (EBITDA), down from 2.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UVSP.
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).
UVSP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.9 | Neutral |
| Stochastic | 24.4 | Neutral |
UVSP's weekly RSI is 50 (neutral) and its Stochastic is 24 (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.
UVSP PE vs Financial Services Sector
| Metric | UVSP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.3% below |
| PE % | 82 | 63 | 19 pts above |
UVSP 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.
UVSP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $41.1 | 0.9% below |
| 20 week MA | $42.3 | 3.7% below |
| 50 week MA | $38.6 | 5.6% above |
| 100 week MA | $34.2 | 19% above |
| 200 week MA | $28.3 | 44% above |
UVSP 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.
UVSP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $20.4 | -24% |
| 2021 | $20.4 | $29.7 | +46% |
| 2022 | $29.7 | $26.3 | -12% |
| 2023 | $26.3 | $22.0 | -16% |
| 2024 | $22.0 | $29.5 | +34% |
| 2025 | $29.5 | $33.4 | +13% |
| 2026 YTD | $33.4 | $40.7 | +22% |
UVSP has the edge over SOFI on returns for 2026, with the stronger performance.