SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
WDH
Waterdrop Inc.
There isn't enough reported data to score WDH yet.
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.
WDH Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
WDH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WDH.
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.
WDH PE Valuation
WDH 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 |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
WDH Forward outlook
There aren't enough analyst estimates for WDH to show an outlook.
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 |
WDH has the stronger earnings trend. Trailing diluted EPS is flat for SOFI versus WDH up 62%.
WDH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2025 | $0.21 | +62% |
| Q2 2025 | $0.18 | +64% |
| Q1 2025 | $0.16 | +100% |
| Q4 2024 | $0.14 | +100% |
| Q3 2024 | $0.13 | +44% |
| Q2 2024 | $0.11 | -21% |
| Q1 2024 | $0.08 | -60% |
| Q4 2023 | $0.07 | -70% |
WDH earned $0.21 per share over the past year, up 62% 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 WDH 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 has the edge over WDH on profitability, with a higher operating margin.
WDH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $217.6M | +73% |
| Q1 2026 | $185.3M | +64% |
| Q4 2025 | $208.9M | +103% |
| Q3 2025 | $146.3M | +38% |
| Q2 2025 | $125.8M | +24% |
| Q1 2025 | $113.1M | +7% |
| Q4 2024 | $103.1M | +4.2% |
| Q3 2024 | $105.7M | +2.6% |
WDH's revenue has grown year over year for eight quarters in a row: $218M last quarter, up 73% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 7.7% | -3.9 points |
| Q1 2026 | 6.4% | -3.6 points |
| Q4 2025 | 5.9% | -1.8 points |
| Q3 2025 | 12% | +7.9 points |
| Q2 2025 | 12% | +3.9 points |
| Q1 2025 | 10% | +3.5 points |
| Q4 2024 | 7.7% | +3.7 points |
| Q3 2024 | 3.8% | +4.1 points |
WDH's operating margin was 7.7% last quarter, down 3.9 points from the same quarter a year ago.
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 has the edge over WDH on cash flow, with more consistent year-over-year improvement.
WDH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
WDH's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like WDH.
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 | — |
WDH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +1.4M shares |
| 1 year | +1% | +3.5M shares |
| 3 years | -6.9% | -27.4M shares |
| 5 years | +16% | +51M shares |
| Available history | +16% | +51M shares |
WDH has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
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.
WDH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -3.5x | Net Cash |
| Q1 2026 | -3.7x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | -0.8x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -4.0x | Net Cash |
| Q3 2024 | -1.5x | Net Cash |
WDH has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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).
WDH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.1 | Neutral |
| Stochastic | 20.2 | Neutral |
WDH's weekly RSI is 32 (neutral) and its Stochastic is 20 (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.
WDH PE vs Financial Services Sector
| Metric | WDH | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
WDH 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 the edge over WDH on trend strength, trading above more of its moving averages.
WDH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.02 | 2% below |
| 20 week MA | $1.05 | 4.8% below |
| 50 week MA | $1.42 | 30% below |
| 100 week MA | $1.46 | 32% below |
| 200 week MA | $1.54 | 35% below |
WDH is in a downtrend: it's below all five of its weekly moving averages, and 35% 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 has the edge over WDH on returns for 2026, with the stronger performance.
WDH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $9.70 | $1.36 | -86% |
| 2022 | $1.36 | $3.05 | +124% |
| 2023 | $3.05 | $1.04 | -66% |
| 2024 | $1.04 | $1.18 | +13% |
| 2025 | $1.18 | $1.90 | +61% |
| 2026 YTD | $1.90 | $1.00 | -47% |
WDH's yearly returns have swung widely, from +124% in 2022 to −86% in 2021. It's down 47% so far in 2026.