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.
ZSTK
ZeroStack Corp.
There isn't enough reported data to score ZSTK 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.
ZSTK Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
ZSTK's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like ZSTK.
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.
ZSTK PE Valuation
ZSTK has no meaningful PE right now: it lost money over the past year.
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.
ZSTK Forward outlook
There aren't enough analyst estimates for ZSTK 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 has the stronger earnings trend. Trailing diluted EPS is flat for SOFI versus ZSTK down 165%.
ZSTK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2023 | -$390.51 | +$207.12 |
| Q2 2023 | -$471.89 | +$114.27 |
| Q1 2023 | -$466.10 | -$75.87 |
| Q4 2022 | -$528.95 | -$173.32 |
ZSTK is still losing money, but less than at its worst: $390.51 per share over the past year, against $597.63 at its worst in late 2022.
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 ZSTK 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 ZSTK on profitability, with a higher operating margin.
ZSTK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $13.7M | -7.7% |
| Q1 2026 | $7.3M | -38% |
| Q4 2025 | $9.4M | -30% |
| Q3 2025 | $9.7M | -22% |
| Q2 2025 | $14.8M | -5.7% |
| Q1 2025 | $11.8M | -35% |
| Q4 2024 | $13.3M | -26% |
| Q3 2024 | $12.5M | -28% |
ZSTK's revenue has slid since its 2023 peak: $14M last quarter, down 7.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -177% | -160 points |
| Q1 2026 | -861% | -853 points |
| Q4 2025 | -1596% | -1551 points |
| Q3 2025 | -34% | -3.9 points |
| Q2 2025 | -17% | +5.2 points |
| Q1 2025 | -8.3% | +5.5 points |
| Q4 2024 | -45% | -3.4 points |
| Q3 2024 | -30% | -27 points |
ZSTK's operating margin was −177% last quarter, down 160 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.
ZSTK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $1.4M | +$4.3M |
| Q1 2026 | -$3.8M | -$1.1M |
| Q4 2025 | -$3.2M | -$1.8M |
| Q3 2025 | $91K | +$2.2M |
| Q2 2025 | -$3M | -$2.7M |
| Q1 2025 | -$2.8M | -$1.3M |
| Q4 2024 | -$1.3M | -$253K |
| Q3 2024 | -$2.1M | -510% |
ZSTK has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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 the edge over ZSTK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ZSTK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +64% | +69.4K shares |
| 1 year | +99% | +88.8K shares |
ZSTK has 178,000 diluted shares, up 99% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
| Q3 2022 | $5,000 |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
ZSTK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2023 | -0.9x | Net Cash |
ZSTK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ZSTK.
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).
ZSTK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.5 | Neutral |
| Stochastic | 11.0 | Oversold |
ZSTK's weekly RSI is 40 (neutral) and its Stochastic is 11 (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.
ZSTK PE vs Financial Services Sector
ZSTK has no meaningful PE right now: it lost money over the past year.
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 ZSTK on trend strength, trading above more of its moving averages.
ZSTK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.58 | 30% below |
| 20 week MA | $3.32 | 24% below |
| 50 week MA | $5.44 | 54% below |
| 100 week MA | $14.8 | 83% below |
| 200 week MA | $53.8 | 95% below |
ZSTK is in a downtrend: it's below all five of its weekly moving averages, and 95% 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 has the edge over ZSTK on returns for 2026, with the stronger performance.
ZSTK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $3,159.0 | $1,560.0 | -51% |
| 2022 | $1,560.0 | $189.5 | -88% |
| 2023 | $189.5 | $52.7 | -72% |
| 2024 | $52.7 | $39.8 | -24% |
| 2025 | $39.8 | $7.28 | -82% |
| 2026 YTD | $7.28 | $2.51 | -66% |
ZSTK has finished every year since 2021 lower, and it's down 66% so far in 2026.