SOFI
SoFi Technologies, Inc.
SOFI has the edge over WABC overall, supported by stronger fundamentals and stronger valuation.
WABC
Westamerica Bancorporation
WABC 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.
WABC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
WABC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WABC.
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 WABC in the historical PE scenario, which offers more potential upside but is not a forecast.
WABC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $40.14 | -33% |
| Forward | 12x | $59.64 | — |
| Fair | 13x | $60.53 | +1.5% |
| Current | 13x | $59.64 | — |
| Expensive | 19x | $89.76 | +51% |
Historical ranges are pointers, not guarantees.
WABC's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over WABC on the outlook, with more favorable revenue expectations.
WABC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect WABC's earnings to grow and its profitability to improve, with its revenue 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 has the edge over WABC on earnings, with more consistent year-over-year improvement.
WABC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.89 | +5.5% |
| Q3 2026 | $4.64 | +1.1% |
| Q2 2026 | $4.54 | -5% |
| Q1 2026 | $4.49 | -10% |
| Q4 2025 | $4.52 | -13% |
| Q3 2025 | $4.59 | -16% |
| Q2 2025 | $4.78 | -17% |
| Q1 2025 | $4.99 | -16% |
| Q4 2024 | $5.20 | -14% |
WABC earned $4.64 per share over the past year, up 1.1% from the year before.
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 WABC 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.
WABC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $64.1M | +0.5% |
| Q2 2026 | $62.8M | -2.8% |
| Q1 2026 | $62.1M | -6.5% |
| Q4 2025 | $63.3M | -9% |
| Q3 2025 | $63.7M | -14% |
| Q2 2025 | $64.6M | -13% |
| Q1 2025 | $66.4M | -12% |
| Q4 2024 | $69.6M | -13% |
WABC's revenue has slid since its 2023 peak: $64M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 59% | -0.5 points |
| Q2 2026 | 59% | -2 points |
| Q1 2026 | 59% | -4.3 points |
| Q4 2025 | 60% | -3.1 points |
| Q3 2025 | 60% | -5 points |
| Q2 2025 | 60% | -4.3 points |
| Q1 2025 | 63% | -2.2 points |
| Q4 2024 | 63% | -5.4 points |
WABC 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.
WABC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33M | +15% |
| Q2 2026 | $15.2M | -33% |
| Q1 2026 | $38.7M | -8.2% |
| Q4 2025 | $25.9M | -11% |
| Q3 2025 | $28.7M | -28% |
| Q2 2025 | $22.8M | +23% |
| Q1 2025 | $42.2M | -19% |
| Q4 2024 | $29.1M | +$37.4M |
WABC 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 | — |
WABC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -196K shares |
| 1 year | -8.8% | -2.2M shares |
| 3 years | -13% | -3.5M shares |
| 5 years | -14% | -3.8M shares |
| Available history | -14% | -3.9M shares |
WABC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.9M |
| Q2 2026 | $41.5M |
| Q1 2026 | $51M |
| Q4 2025 | $23.3M |
| Q3 2025 | $23.9M |
| Q2 2025 | $38.3M |
| Q1 2025 | $18.2M |
| Q4 2024 | — |
WABC spent $119M buying back its own shares over the past year, up 48% 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 WABC on leverage, with a lower net debt burden relative to earnings.
WABC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -2.6x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | -2.9x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -2.4x | Net Cash |
WABC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like WABC.
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).
WABC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.9 | Neutral |
| Stochastic | 63.1 | Neutral |
WABC's weekly RSI is 55 (neutral) and its Stochastic is 63 (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.
WABC PE vs Financial Services Sector
| Metric | WABC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.3% below |
| PE % | 47 | 63 | 16 pts below |
WABC 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.
WABC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.2 | 1% below |
| 20 week MA | $59.8 | 0.3% below |
| 50 week MA | $55.4 | 7.7% above |
| 100 week MA | $52.3 | 14% above |
| 200 week MA | $50.4 | 18% above |
WABC 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.
WABC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $67.9 | $54.2 | -20% |
| 2021 | $54.2 | $56.9 | +4.9% |
| 2022 | $56.9 | $58.6 | +3% |
| 2023 | $58.6 | $56.4 | -3.7% |
| 2024 | $56.4 | $52.5 | -6.9% |
| 2025 | $52.5 | $49.1 | -6.5% |
| 2026 YTD | $49.1 | $59.6 | +21% |
WABC has the edge over SOFI on returns for 2026, with the stronger performance.