SOFI
SoFi Technologies, Inc.
SOFI has the edge over WRLD overall, supported by stronger fundamentals and stronger modeled upside.
WRLD
World Acceptance Corporation
WRLD'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.
WRLD Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WRLD's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WRLD.
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 WRLD in the historical PE scenario, which offers more potential upside but is not a forecast.
WRLD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $109 | -20% |
| Forward | 10x | $136 | — |
| Current | 13x | $136 | — |
| Fair | 14x | $151 | +11% |
| Expensive | 23x | $239 | +75% |
Historical ranges are pointers, not guarantees.
WRLD's PE is 13x, 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.
WRLD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WRLD, 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 edge over WRLD on earnings, with more consistent year-over-year improvement.
WRLD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.23 | +26% |
| Q3 2026 | $10.50 | +0.5% |
| Q2 2026 | $8.20 | -45% |
| Q1 2026 | $7.12 | -56% |
| Q4 2025 | $7.81 | -45% |
| Q3 2025 | $10.45 | -29% |
| Q2 2025 | $14.82 | +10% |
| Q1 2025 | $16.36 | +23% |
| Q4 2024 | $14.32 | +24% |
WRLD's earnings per share have fallen from their peak: $10.50 over the past year, against $16.36 in early 2025. 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% |
SOFI has the edge over WRLD 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 WRLD on profitability, with a higher operating margin.
WRLD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $139.2M | +3.5% |
| Q2 2026 | $139.2M | +5.1% |
| Q1 2026 | $175.9M | +6.4% |
| Q4 2025 | $141.3M | +1.9% |
| Q3 2025 | $134.5M | +2.3% |
| Q2 2025 | $132.5M | +2.3% |
| Q1 2025 | $165.3M | +3.8% |
| Q4 2024 | $138.6M | +0.6% |
WRLD's revenue has grown year over year for eight quarters in a row: $139M last quarter, up 3.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 8.4% | +9.6 points |
| Q2 2026 | 5.7% | +4.2 points |
| Q1 2026 | 26% | -7.8 points |
| Q4 2025 | -0.7% | -12 points |
| Q3 2025 | -1.3% | -23 points |
| Q2 2025 | 1.5% | -8.5 points |
| Q1 2025 | 33% | +4.1 points |
| Q4 2024 | 12% | -2.6 points |
WRLD's operating margin was 8.4% last quarter, up 9.6 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'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.
WRLD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.7M | +36% |
| Q2 2026 | $63.1M | +10% |
| Q1 2026 | $93.5M | +3.8% |
| Q4 2025 | $57.2M | -5.4% |
| Q3 2025 | $47.7M | -9.4% |
| Q2 2025 | $57.1M | +21% |
| Q1 2025 | $90.1M | +9.5% |
| Q4 2024 | $60.4M | +4.8% |
WRLD 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 | — |
WRLD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -22.7K shares |
| 1 year | -10% | -534K shares |
| 3 years | -23% | -1.4M shares |
| 5 years | -29% | -1.9M shares |
| Available history | -37% | -2.7M shares |
WRLD has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $2.2M |
| Q1 2026 | $37.8M |
| Q4 2025 | $15M |
| Q3 2025 | $66.6M |
| Q2 2025 | $13M |
| Q1 2025 | $32M |
| Q4 2024 | $1M |
WRLD spent $80M buying back its own shares over the past year, down 29% 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 WRLD on leverage, with a lower net debt burden relative to earnings.
WRLD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.1x | High |
| Q2 2026 | 9.5x | High |
| Q1 2026 | 10.9x | High |
| Q4 2025 | 10.5x | High |
| Q3 2025 | 7.0x | High |
| Q2 2025 | 4.2x | High |
| Q1 2025 | 3.6x | Elevated |
| Q4 2024 | 4.8x | High |
WRLD's net debt is about 8.1 years of its operating earnings (EBITDA), up from 7.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WRLD.
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).
WRLD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.0 | Neutral |
| Stochastic | 5.0 | Oversold |
WRLD's weekly RSI is 32 (neutral) and its Stochastic is 5 (oversold).
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.
WRLD PE vs Financial Services Sector
| Metric | WRLD | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.3% below |
| PE % | 35 | 63 | 28 pts below |
WRLD 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 the edge over WRLD on trend strength, trading above more of its moving averages.
WRLD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $163.8 | 17% below |
| 20 week MA | $180.8 | 25% below |
| 50 week MA | $160.8 | 15% below |
| 100 week MA | $153.5 | 11% below |
| 200 week MA | $136.8 | 0.4% below |
WRLD is in a downtrend: it's below all five of its weekly moving averages, and 0.4% 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.
WRLD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $85.9 | $103.4 | +20% |
| 2021 | $103.4 | $254.3 | +146% |
| 2022 | $254.3 | $63.5 | -75% |
| 2023 | $63.5 | $130.5 | +106% |
| 2024 | $130.5 | $110.7 | -15% |
| 2025 | $110.7 | $147.4 | +33% |
| 2026 YTD | $147.4 | $136.3 | -7.5% |
WRLD has the edge over SOFI on returns for 2026, with the stronger performance.