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.
WT
WisdomTree, Inc.
There isn't enough reported data to score WT 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.
WT Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
WT's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like WT.
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 WT in the historical PE scenario, which offers more potential upside but is not a forecast.
WT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $9.83 | -55% |
| Fair | 21x | $14.96 | -31% |
| Current | 30x | $21.65 | — |
| Expensive | 49x | $34.64 | +60% |
Historical ranges are pointers, not guarantees.
WT's PE is 30x, 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.
WT Forward outlook
There aren't enough analyst estimates for WT 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.
WT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.71 | +6% |
| Q2 2024 | $0.48 | -37% |
| Q1 2024 | $0.67 | +37% |
| Q4 2023 | $0.64 | +106% |
| Q3 2023 | $0.33 | -39% |
| Q2 2023 | $0.76 | +850% |
| Q1 2023 | $0.49 | +250% |
| Q4 2022 | $0.31 | 0% |
WT earned $0.71 per share over the past year, up 6% 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 WT 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'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.
WT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $179.4M | +43% |
| Q2 2026 | $177.2M | +57% |
| Q1 2026 | $159.5M | +48% |
| Q4 2025 | $147.4M | +33% |
| Q3 2025 | $125.6M | +11% |
| Q2 2025 | $112.6M | +5.2% |
| Q1 2025 | $108.1M | +12% |
| Q4 2024 | $110.7M | +22% |
WT's revenue has grown year over year for 15 quarters in a row: $179M last quarter, up 43% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +5 points |
| Q2 2026 | 41% | +9.8 points |
| Q1 2026 | 37% | +5.6 points |
| Q4 2025 | 41% | +8.9 points |
| Q3 2025 | 36% | +0.3 points |
| Q2 2025 | 31% | -0.6 points |
| Q1 2025 | 32% | +2.8 points |
| Q4 2024 | 32% | +3 points |
WT 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.
WT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $59.6M | +24% |
| Q2 2026 | $75.3M | +95% |
| Q1 2026 | $17.9M | +183% |
| Q4 2025 | $54.6M | +58% |
| Q3 2025 | $48M | +0.7% |
| Q2 2025 | $38.7M | +20% |
| Q1 2025 | $6.3M | +$7.4M |
| Q4 2024 | $34.6M | -7.2% |
WT 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 | — |
WT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -97K shares |
| 1 year | +3.7% | +5.5M shares |
| 3 years | -1.7% | -2.7M shares |
| 5 years | +5% | +7.5M shares |
| Available history | +2.9% | +4.4M shares |
WT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $10.6M |
| Q2 2026 | $25.9M |
| Q1 2026 | $25M |
| Q4 2025 | — |
| Q3 2025 | $90M |
| Q2 2025 | — |
| Q1 2025 | $12.7M |
| Q4 2024 | — |
WT spent $62M buying back its own shares over the past year, down 40% 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 WT on leverage, with a lower net debt burden relative to earnings.
WT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.1x | Net Cash |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.6x | Very low |
| Q3 2025 | 0.9x | Very low |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
| Q3 2024 | 0.1x | Very low |
WT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like WT.
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).
WT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.0 | Neutral |
| Stochastic | 29.6 | Neutral |
WT's weekly RSI is 54 (neutral) and its Stochastic is 30 (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 WT on valuation relative to its sector.
WT PE vs Financial Services Sector
| Metric | WT | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 13x | 134% above |
| PE % | 60 | 63 | 3 pts below |
WT is trading at 30x earnings, a 134% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
WT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.0 | 1.5% below |
| 20 week MA | $21.8 | 0.6% below |
| 50 week MA | $18.2 | 19% above |
| 100 week MA | $14.6 | 48% above |
| 200 week MA | $11.3 | 91% above |
WT 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.
WT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.88 | $5.50 | +13% |
| 2021 | $5.50 | $6.10 | +11% |
| 2022 | $6.10 | $5.38 | -12% |
| 2023 | $5.38 | $6.93 | +29% |
| 2024 | $6.93 | $10.6 | +53% |
| 2025 | $10.6 | $12.4 | +17% |
| 2026 YTD | $12.4 | $21.7 | +75% |
WT has the edge over SOFI on returns for 2026, with the stronger performance.