SOFI
SoFi Technologies, Inc.
SOFI has the edge over VBNK overall, supported by stronger fundamentals and stronger modeled upside.
VBNK
VersaBank
VBNK'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.
VBNK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
VBNK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like VBNK.
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 VBNK in the historical PE scenario, which offers more potential upside but is not a forecast.
VBNK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $5.74 | -76% |
| Fair | 13x | $8.48 | -65% |
| Expensive | 24x | $15.56 | -35% |
| Current | 36x | $23.97 | — |
Historical ranges are pointers, not guarantees.
VBNK's PE is 36x, 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 |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
VBNK Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for VBNK, 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 has the stronger earnings trend. Trailing diluted EPS is flat for SOFI versus VBNK down 15%.
VBNK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.66 | -15% |
| Q1 2026 | $0.69 | -24% |
| Q4 2025 | $0.64 | -39% |
| Q3 2025 | $0.66 | -46% |
| Q2 2025 | $0.78 | -38% |
| Q1 2025 | $0.91 | -24% |
| Q4 2024 | $1.05 | -4.5% |
| Q3 2024 | $1.23 | +32% |
VBNK's earnings per share have fallen from their peak: $0.66 over the past year, against $1.25 in early 2024. Its recent earnings include one-off gains.
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% |
VBNK has the stronger quarterly revenue trend. Revenue is up 44% for SOFI versus up 184% for VBNK.
| 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.
VBNK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $60.2M | +184% |
| Q1 2026 | $25.7M | +31% |
| Q4 2025 | $24.7M | +29% |
| Q3 2025 | $22.2M | +17% |
| Q2 2025 | $21.2M | +5.7% |
| Q1 2025 | $19.6M | -3.5% |
| Q4 2024 | $19.2M | -6.5% |
| Q3 2024 | $19M | +0.5% |
VBNK's revenue has grown year over year for five quarters in a row: $60M last quarter, up 184% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 12% | -27 points |
| Q1 2026 | 42% | +1.9 points |
| Q4 2025 | 28% | -1.4 points |
| Q3 2025 | 28% | -22 points |
| Q2 2025 | 39% | -18 points |
| Q1 2025 | 40% | -19 points |
| Q4 2024 | 30% | -28 points |
| Q3 2024 | 50% | -1.5 points |
VBNK's operating margin was 12% last quarter, down 27 points from the same quarter a year ago, near the bottom of its range since 2019.
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 |
VBNK has the stronger cash trend. Its trailing FCF is up 309% versus its history, compared with SOFI at down 107%.
VBNK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$35M | +$34.4M |
| Q1 2026 | $39M | +$102.6M |
| Q4 2025 | $34.5M | -68% |
| Q3 2025 | $129.1M | +117% |
| Q2 2025 | -$69.4M | -296% |
| Q1 2025 | -$63.6M | -$39.7M |
| Q4 2024 | $107.8M | +113% |
| Q3 2024 | $59.5M | +$152.7M |
VBNK's free cash flow was $168M over the past year, about five times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like VBNK.
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 | — |
VBNK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +123K shares |
| 1 year | -1.3% | -427K shares |
| 3 years | +23% | +5.9M shares |
| 5 years | +52% | +11M shares |
| Available history | +52% | +11M shares |
VBNK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
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.
VBNK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2021 | -5.3x | Net Cash |
| Q3 2021 | -6.4x | Net Cash |
| Q2 2021 | -5.9x | Net Cash |
| Q1 2021 | -7.1x | Net Cash |
| Q4 2020 | -8.6x | Net Cash |
| Q3 2020 | -11.8x | Net Cash |
| Q2 2020 | -11.0x | Net Cash |
| Q1 2020 | -3.2x | Net Cash |
VBNK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like VBNK.
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).
VBNK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.9 | Neutral |
| Stochastic | 76.8 | Neutral |
VBNK's weekly RSI is 65 (neutral) and its Stochastic is 77 (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 VBNK on valuation relative to its sector.
VBNK PE vs Financial Services Sector
| Metric | VBNK | Sector median | Relative |
|---|---|---|---|
| PE | 36x | 13x | 177% above |
| PE % | 100 | 66 | 34 pts above |
VBNK is trading at 36x earnings, a 177% 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 |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
VBNK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.8 | 5.2% above |
| 20 week MA | $21.7 | 11% above |
| 50 week MA | $18.4 | 30% above |
| 100 week MA | $15.1 | 59% above |
| 200 week MA | $12.5 | 91% above |
VBNK 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.
VBNK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $10.4 | $11.9 | +15% |
| 2022 | $11.9 | $7.67 | -35% |
| 2023 | $7.67 | $11.0 | +43% |
| 2024 | $11.0 | $13.6 | +24% |
| 2025 | $13.6 | $15.0 | +10% |
| 2026 YTD | $15.0 | $24.0 | +60% |
VBNK has the edge over SOFI on returns for 2026, with the stronger performance.