SOFI
SoFi Technologies, Inc.
SOFI has the edge over WD overall, supported by stronger fundamentals and stronger modeled upside.
WD
Walker & Dunlop, Inc.
WD'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.
WD Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
WD's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like WD.
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.
WD PE Valuation
WD 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 |
SOFI has the edge over WD on the outlook, with more favorable revenue expectations.
WD Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect WD'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 WD on earnings quality, reporting a profit while its opponent remains loss making.
WD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.88 | — |
| Q3 2026 | -$1.01 | -130% |
| Q2 2026 | $1.12 | -65% |
| Q1 2026 | $2.02 | -31% |
| Q4 2025 | $1.64 | -49% |
| Q3 2025 | $3.37 | +20% |
| Q2 2025 | $3.24 | +25% |
| Q1 2025 | $2.92 | +6.6% |
| Q4 2024 | $3.19 | +0.3% |
WD has swung to a loss: it lost $1.01 per share over the past year, after a profit 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 WD 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 has the edge over WD on profitability, with a higher operating margin.
WD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $298.4M | -12% |
| Q2 2026 | $306.7M | -3.9% |
| Q1 2026 | $301.3M | +27% |
| Q4 2025 | $340M | -0.4% |
| Q3 2025 | $337.7M | +16% |
| Q2 2025 | $319.2M | +18% |
| Q1 2025 | $237.4M | +4.1% |
| Q4 2024 | $341.5M | +24% |
WD's revenue fell from its 2021 peak and has held roughly level since: $298M last quarter, down 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -16% | -29 points |
| Q2 2026 | 0.7% | -14 points |
| Q1 2026 | 8.6% | +6.4 points |
| Q4 2025 | -5.5% | -21 points |
| Q3 2025 | 14% | +0.8 points |
| Q2 2025 | 15% | +4.1 points |
| Q1 2025 | 2.2% | -3.8 points |
| Q4 2024 | 15% | +0.9 points |
WD's operating margin was −16% last quarter, down 29 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 |
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.
WD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $718.9M | +$1.7B |
| Q2 2026 | $1.2B | +$1.4B |
| Q1 2026 | -$1.1B | -$861.1M |
| Q4 2025 | $796.1M | +51% |
| Q3 2025 | -$950.4M | -$746.5M |
| Q2 2025 | -$241M | +$662K |
| Q1 2025 | -$284.7M | -909% |
| Q4 2024 | $526.9M | +60% |
WD 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 | — |
WD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +9K shares |
| 1 year | -0.3% | -113K shares |
| 3 years | +1.2% | +389K shares |
| 5 years | +5.8% | +1.8M shares |
| Available history | +8% | +2.5M shares |
WD has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $792,000 |
| Q2 2026 | $298,000 |
| Q1 2026 | $19.1M |
| Q4 2025 | $183,000 |
| Q3 2025 | $1M |
| Q2 2025 | $645,000 |
| Q1 2025 | $8.6M |
| Q4 2024 | $369,000 |
WD spent $20M buying back its own shares over the past year, up 91% 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 WD on leverage, with a lower net debt burden relative to earnings.
WD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.6x | Net Cash |
| Q4 2025 | -0.6x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -0.6x | Net Cash |
| Q1 2025 | -0.5x | Net Cash |
| Q4 2024 | 1.4x | Healthy |
WD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like WD.
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).
WD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.3 | Neutral |
| Stochastic | 36.1 | Neutral |
WD's weekly RSI is 41 (neutral) and its Stochastic is 36 (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 WD on valuation relative to its sector.
WD PE vs Financial Services Sector
| Metric | WD | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 139% above |
| PE % | 85 | 63 | 22 pts above |
WD 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 fallen below most of its moving averages, though it's still 16% above its 200-week average.
WD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.5 | 8.7% above |
| 20 week MA | $41.3 | 6.6% below |
| 50 week MA | $49.3 | 22% below |
| 100 week MA | $64.8 | 40% below |
| 200 week MA | $78.1 | 51% below |
WD has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 51% below its 200-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.
WD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $65.0 | $92.6 | +42% |
| 2021 | $92.6 | $149.4 | +61% |
| 2022 | $149.4 | $79.1 | -47% |
| 2023 | $79.1 | $111.0 | +40% |
| 2024 | $111.0 | $96.8 | -13% |
| 2025 | $96.8 | $61.0 | -37% |
| 2026 YTD | $61.0 | $38.6 | -37% |
WD has the edge over SOFI on returns for 2026, with the stronger performance.