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.
WSBK
Winchester Bancorp, Inc. Common Stock
There isn't enough reported data to score WSBK 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.
WSBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
WSBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WSBK.
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.
WSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 27x | $13.82 | 0% |
| Current | 27x | $13.82 | — |
| Fair | 50x | $25.95 | +88% |
| Expensive | 79x | $41.01 | +197% |
Historical ranges are pointers, not guarantees.
WSBK has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
WSBK Forward outlook
There aren't enough analyst estimates for WSBK 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 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
WSBK Earnings Per Share
WSBK and SOFI do not have enough comparable growth data to identify a winner.
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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 WSBK on profitability, with a higher operating margin.
WSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.7M | +33% |
| Q2 2026 | $7.4M | +38% |
| Q1 2026 | $6.7M | +52% |
| Q4 2025 | $6.4M | +60% |
WSBK has the edge over SOFI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 22% | -1.2 points |
| Q2 2026 | 21% | +49 points |
| Q1 2026 | 22% | +14 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 23% | N/A |
| Q2 2025 | -28% | N/A |
| Q1 2025 | 8.5% | N/A |
| Q4 2024 | 10% | N/A |
WSBK's operating margin was 22% last quarter, down 1.2 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.
WSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.2M | +60% |
| Q2 2026 | $1.1M | -40% |
| Q1 2026 | $1.4M | +60% |
WSBK and SOFI do not have enough comparable growth data to identify a winner.
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 | — |
WSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +10.6K shares |
| 1 year | +0.2% | +16.8K shares |
WSBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 WSBK on leverage, with a lower net debt burden relative to earnings.
WSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 12.4x | High |
| Q2 2026 | 14.7x | High |
| Q1 2026 | 25.4x | High |
| Q4 2025 | 35.2x | High |
WSBK's net debt is about 12 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like WSBK.
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).
WSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 77.0 | Overbought |
| Stochastic | 91.1 | Overbought |
WSBK's weekly RSI is 77 (overbought) and its Stochastic is 91 (overbought).
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.
WSBK PE vs Financial Services Sector
| Metric | WSBK | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 13x | 104% above |
| PE % | 18 | 18 | Same percentile |
WSBK 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 |
WSBK has stronger trend alignment. SOFI is above 1 of 5 weekly averages versus WSBK above 3 of 3.
WSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $13.2 | 4.9% above |
| 20 week MA | $13.1 | 5.7% above |
| 50 week MA | $12.5 | 10% above |
WSBK is in an uptrend: it's above all three of its weekly moving averages, and 10% above its 50-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.
WSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $9.30 | $10.3 | +11% |
| 2026 YTD | $10.3 | $13.8 | +34% |
WSBK has the edge over SOFI on returns for 2026, with the stronger performance.