SOFI
SoFi Technologies, Inc.
SOFI has the edge over WU overall, supported by stronger modeled upside and stronger fundamentals.
WU
The Western Union Company
WU trails on the overall score without a compensating advantage in the available component scores.
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.
WU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WU's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WU.
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 WU in the historical PE scenario, which offers more potential upside but is not a forecast.
WU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 4.6x | $6.65 | — |
| Cheap | 4.8x | $5.02 | -25% |
| Current | 6.3x | $6.65 | — |
| Fair | 6.8x | $7.12 | +7.1% |
| Expensive | 11x | $11.13 | +67% |
Historical ranges are pointers, not guarantees.
WU's PE is in its fair range at 6.3x. On analysts' estimates for next year's earnings, today's price would be 4.6x, in its cheap range.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over WU on the outlook, with more favorable earnings and revenue expectations.
WU Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Weakening | |
| Moderate | |
| Low |
Analysts expect WU's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
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 WU on earnings, with more consistent year-over-year improvement.
WU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.44 | +37% |
| Q3 2026 | $1.05 | -54% |
| Q2 2026 | $1.23 | -54% |
| Q1 2026 | $1.36 | -49% |
| Q4 2025 | $1.52 | -45% |
| Q3 2025 | $2.30 | +18% |
| Q2 2025 | $2.65 | +63% |
| Q1 2025 | $2.69 | +59% |
| Q4 2024 | $2.74 | +63% |
WU's earnings per share have fallen from their peak: $1.05 over the past year, against $2.74 in late 2024.
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 WU 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 has the edge over WU on profitability, with a higher operating margin.
WU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | -2.3% |
| Q2 2026 | $1B | -1.3% |
| Q1 2026 | $982.7M | -0.1% |
| Q4 2025 | $1B | -4.7% |
| Q3 2025 | $1B | -0.3% |
| Q2 2025 | $1B | -3.8% |
| Q1 2025 | $983.6M | -6.2% |
| Q4 2024 | $1.1B | +0.6% |
WU's revenue fell from its 2019 peak and has held roughly level since: $1B last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -6.6 points |
| Q2 2026 | 13% | -5.7 points |
| Q1 2026 | 13% | -5.5 points |
| Q4 2025 | 18% | +1.6 points |
| Q3 2025 | 20% | +3.6 points |
| Q2 2025 | 19% | +0.9 points |
| Q1 2025 | 18% | -0.3 points |
| Q4 2024 | 17% | +1.7 points |
WU's operating margin was 13% last quarter, down 6.6 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
WU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $99.9M | -60% |
| Q2 2026 | $94.6M | +$102.4M |
| Q1 2026 | $102.6M | -29% |
| Q4 2025 | $115.5M | -3.5% |
| Q3 2025 | $252.7M | +23% |
| Q2 2025 | -$7.8M | +$31.1M |
| Q1 2025 | $144.8M | +74% |
| Q4 2024 | $119.7M | -54% |
WU 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 | — |
WU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -100K shares |
| 1 year | -2.9% | -9.3M shares |
| 3 years | -16% | -61.5M shares |
| 5 years | -23% | -94.5M shares |
| Available history | -26% | -111M shares |
WU has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $11.1M |
| Q1 2026 | $52.9M |
| Q4 2025 | $26.1M |
| Q3 2025 | $52.3M |
| Q2 2025 | $79.5M |
| Q1 2025 | $76.7M |
| Q4 2024 | $3.7M |
WU spent $92M buying back its own shares over the past year, down 57% 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 WU on leverage, with a lower net debt burden relative to earnings.
WU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.9x | Healthy |
| Q1 2026 | 1.6x | Healthy |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.7x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.6x | Healthy |
WU's net debt is about 1.9 years of its operating earnings (EBITDA), up from 1.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WU.
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).
WU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.4 | Neutral |
| Stochastic | 38.7 | Neutral |
WU's weekly RSI is 44 (neutral) and its Stochastic is 39 (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.
WU PE vs Financial Services Sector
| Metric | WU | Sector median | Relative |
|---|---|---|---|
| PE | 6.3x | 13x | 51% below |
| PE % | 42 | 63 | 21 pts below |
WU 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.
WU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.31 | 5.4% above |
| 20 week MA | $6.96 | 4.5% below |
| 50 week MA | $8.17 | 19% below |
| 100 week MA | $8.77 | 24% below |
| 200 week MA | $10.5 | 37% below |
WU has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 37% 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.
WU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $21.9 | -20% |
| 2021 | $21.9 | $17.8 | -19% |
| 2022 | $17.8 | $13.8 | -22% |
| 2023 | $13.8 | $11.9 | -14% |
| 2024 | $11.9 | $10.7 | -10% |
| 2025 | $10.7 | $9.40 | -12% |
| 2026 YTD | $9.40 | $6.65 | -29% |
WU has the edge over SOFI on returns for 2026, with the stronger performance.