SOFI
SoFi Technologies, Inc.
SOFI has the edge over WF overall, supported by stronger modeled upside and stronger valuation.
WF
Woori Financial Group Inc.
WF'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.
WF Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Strong | |
| N/A | |
| N/A |
WF's profitability is currently strong, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like WF.
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 WF in the historical PE scenario, which offers more potential upside but is not a forecast.
WF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.1x | $30.04 | -57% |
| Fair | 4.5x | $44.50 | -36% |
| Expensive | 6.8x | $66.11 | -5.3% |
| Current | 7.1x | $69.84 | — |
Historical ranges are pointers, not guarantees.
WF's PE is 7.1x, 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.
WF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WF, 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.
WF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $9.79 | +18% |
| Q1 2026 | $9.37 | +14% |
| Q4 2025 | $9.28 | +4.6% |
| Q3 2025 | $9.40 | +21% |
| Q2 2025 | $8.30 | +6.1% |
| Q1 2025 | $8.25 | +19% |
| Q4 2024 | $8.87 | +22% |
| Q3 2024 | $7.80 | -9.2% |
WF 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 WF 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.
WF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1B | -78% |
| Q1 2026 | $635.4M | -86% |
| Q4 2025 | $401.2M | -92% |
| Q3 2025 | $4.9B | -1.3% |
| Q2 2025 | $4.7B | -4% |
| Q1 2025 | $4.7B | -1.7% |
| Q4 2024 | $4.7B | +0.5% |
| Q3 2024 | $4.9B | +10% |
WF's revenue has slid since its 2024 peak: $1B last quarter, down 78% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 100% | +81 points |
| Q1 2026 | 100% | +86 points |
| Q4 2025 | 100% | +90 points |
| Q3 2025 | 24% | +5.3 points |
| Q2 2025 | 19% | -0.2 points |
| Q1 2025 | 14% | -4.2 points |
| Q4 2024 | 10% | +8 points |
| Q3 2024 | 18% | -2.6 points |
WF 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.
WF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.8B | +$6.4B |
| Q1 2026 | $10.1B | +$10.5B |
| Q4 2025 | $8.6B | +581% |
| Q3 2025 | $3.2B | +$5.5B |
| Q2 2025 | -$1.7B | +$2B |
| Q1 2025 | -$365.2M | -$141.6M |
| Q4 2024 | $1.3B | -73% |
| Q3 2024 | -$2.3B | -150% |
WF 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 | — |
WF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.2% | -10.9M shares |
| 1 year | +1.4% | +3.3M shares |
| 3 years | +2.2% | +5.3M shares |
| 5 years | +3% | +7.3M shares |
| Available history | +9.1% | +20.7M shares |
WF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $74.5M |
| Q1 2026 | $79.5M |
| Q4 2025 | — |
| Q3 2025 | $104,905 |
| Q2 2025 | $96.8M |
| Q1 2025 | $15.5M |
| Q4 2024 | $8,992 |
| Q3 2024 | — |
WF spent $154M buying back its own shares over the past year, up 37% 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 WF on leverage, with a lower net debt burden relative to earnings.
WF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 13.1x | High |
| Q1 2026 | 11.7x | High |
| Q4 2025 | 10.8x | High |
| Q3 2025 | 10.5x | High |
| Q2 2025 | 10.9x | High |
| Q1 2025 | 11.0x | High |
| Q4 2024 | 10.5x | High |
| Q3 2024 | 10.2x | High |
WF's net debt is about 13 years of its operating earnings (EBITDA), up from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WF.
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).
WF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.1 | Neutral |
| Stochastic | 25.2 | Neutral |
WF's weekly RSI is 51 (neutral) and its Stochastic is 25 (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.
WF PE vs Financial Services Sector
| Metric | WF | Sector median | Relative |
|---|---|---|---|
| PE | 7.1x | 13x | 45% below |
| PE % | 89 | 63 | 26 pts above |
WF 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.
WF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $71.1 | 1.8% below |
| 20 week MA | $70.3 | 0.7% below |
| 50 week MA | $67.1 | 4.1% above |
| 100 week MA | $55.6 | 26% above |
| 200 week MA | $43.1 | 62% above |
WF 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.
WF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.1 | $27.6 | -14% |
| 2021 | $27.6 | $33.9 | +23% |
| 2022 | $33.9 | $30.0 | -11% |
| 2023 | $30.0 | $30.2 | +0.7% |
| 2024 | $30.2 | $31.4 | +3.8% |
| 2025 | $31.4 | $59.9 | +91% |
| 2026 YTD | $59.9 | $69.8 | +17% |
WF has the edge over SOFI on returns for 2026, with the stronger performance.