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Side-by-side financial comparison of AtlasClear Holdings, Inc. (ATCH) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
SoFi Technologies, Inc. is the larger business by last-quarter revenue ($170.3M vs $5.1M, roughly 33.7× AtlasClear Holdings, Inc.). AtlasClear Holdings, Inc. runs the higher net margin — 134.2% vs 101.9%, a 32.2% gap on every dollar of revenue. On growth, AtlasClear Holdings, Inc. posted the faster year-over-year revenue change (84.1% vs 25.7%). Over the past eight quarters, AtlasClear Holdings, Inc.'s revenue compounded faster (99.5% CAGR vs 21.4%).
Atlas Comics was the 1950s comic-book publishing label that evolved into Marvel Comics. Magazine and paperback novel publisher Martin Goodman, whose business strategy involved having a multitude of corporate entities, used Atlas as the umbrella name for his comic-book division during this time. Atlas evolved out of Goodman's 1940s comic-book division, Timely Comics, and was located on the 14th floor of the Empire State Building. This company is distinct from the 1970s comic-book company, also...
SoFi Technologies, Inc. is an American financial technology company. Founded in 2011 by Stanford University students, it operates as a nationally chartered online bank and is a technology provider to other financial institutions. SoFi is the largest U.S. based online lender, and has 13.7 million customers as of 2025.
ATCH vs SOFI — Head-to-Head
Income Statement — Q2 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $5.1M | $170.3M |
| Net Profit | $6.8M | $173.5M |
| Gross Margin | — | 5.1% |
| Operating Margin | -48.6% | — |
| Net Margin | 134.2% | 101.9% |
| Revenue YoY | 84.1% | 25.7% |
| Net Profit YoY | 1716.5% | -47.8% |
| EPS (diluted) | $0.05 | $0.14 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $5.1M | $170.3M | ||
| Q3 25 | $4.3M | $156.8M | ||
| Q2 25 | $2.8M | $151.9M | ||
| Q1 25 | $2.5M | $140.4M | ||
| Q4 24 | $2.7M | $135.5M | ||
| Q3 24 | $2.8M | $131.2M | ||
| Q2 24 | — | $120.8M | ||
| Q1 24 | $1.3M | $115.6M |
| Q4 25 | $6.8M | $173.5M | ||
| Q3 25 | $-440.3K | $139.4M | ||
| Q2 25 | $-1.7M | $97.3M | ||
| Q1 25 | $-2.9M | $71.1M | ||
| Q4 24 | $-419.7K | $332.5M | ||
| Q3 24 | $10.7M | $60.7M | ||
| Q2 24 | — | $17.4M | ||
| Q1 24 | $-88.6M | $88.0M |
| Q4 25 | — | 5.1% | ||
| Q3 25 | — | -3.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | — | 5.7% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 13.4% |
| Q4 25 | -48.6% | — | ||
| Q3 25 | -20.6% | 94.7% | ||
| Q2 25 | -63.5% | 73.9% | ||
| Q1 25 | -42.2% | 56.8% | ||
| Q4 24 | -41.8% | 44.2% | ||
| Q3 24 | -33.6% | 48.7% | ||
| Q2 24 | — | 12.7% | ||
| Q1 24 | -1091.5% | 81.5% |
| Q4 25 | 134.2% | 101.9% | ||
| Q3 25 | -10.4% | 88.9% | ||
| Q2 25 | -60.6% | 64.0% | ||
| Q1 25 | -114.1% | 50.7% | ||
| Q4 24 | -15.3% | 245.4% | ||
| Q3 24 | 383.3% | 46.3% | ||
| Q2 24 | — | 14.4% | ||
| Q1 24 | -6970.8% | 76.2% |
| Q4 25 | $0.05 | $0.14 | ||
| Q3 25 | $-0.01 | $0.11 | ||
| Q2 25 | — | $0.08 | ||
| Q1 25 | — | $0.06 | ||
| Q4 24 | $-1.11 | $0.31 | ||
| Q3 24 | $-1.90 | $0.05 | ||
| Q2 24 | — | $0.01 | ||
| Q1 24 | — | $0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.1M | $4.9B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $21.7M | $10.5B |
| Total Assets | $77.6M | $50.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.1M | $4.9B | ||
| Q3 25 | $2.7M | $3.2B | ||
| Q2 25 | $7.5M | $2.1B | ||
| Q1 25 | $7.8M | $2.1B | ||
| Q4 24 | $6.9M | $2.5B | ||
| Q3 24 | $6.8M | $2.4B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | $7.2M | $3.7B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $980.1K | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.1M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $21.7M | $10.5B | ||
| Q3 25 | $6.9M | $8.8B | ||
| Q2 25 | $-6.8M | $6.9B | ||
| Q1 25 | $-14.0M | $6.7B | ||
| Q4 24 | $-23.2M | $6.5B | ||
| Q3 24 | $-23.2M | $6.1B | ||
| Q2 24 | — | $5.9B | ||
| Q1 24 | $-6.8M | $5.8B |
| Q4 25 | $77.6M | $50.7B | ||
| Q3 25 | $73.6M | $45.3B | ||
| Q2 25 | $60.9M | $41.1B | ||
| Q1 25 | $55.0M | $37.7B | ||
| Q4 24 | $56.0M | $36.3B | ||
| Q3 24 | $56.0M | $34.4B | ||
| Q2 24 | — | $32.6B | ||
| Q1 24 | $76.4M | $31.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.5M | $-991.2M |
| Free Cash FlowOCF − Capex | — | $-1.1B |
| FCF MarginFCF / Revenue | — | -621.0% |
| Capex IntensityCapex / Revenue | — | 39.0% |
| Cash ConversionOCF / Net Profit | 0.22× | -5.71× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-4.0B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5M | $-991.2M | ||
| Q3 25 | $-2.5M | $-1.3B | ||
| Q2 25 | $1.9M | $-1.5B | ||
| Q1 25 | $-1.8M | $21.5M | ||
| Q4 24 | — | $-200.1M | ||
| Q3 24 | $175.6K | $-1.2B | ||
| Q2 24 | — | $-484.4M | ||
| Q1 24 | $-13.3M | $738.2M |
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-1.4B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $-31.1M | ||
| Q4 24 | — | $-242.4M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-521.1M | ||
| Q1 24 | — | $706.3M |
| Q4 25 | — | -621.0% | ||
| Q3 25 | — | -871.1% | ||
| Q2 25 | — | -1007.6% | ||
| Q1 25 | — | -22.2% | ||
| Q4 24 | — | -178.9% | ||
| Q3 24 | — | -927.3% | ||
| Q2 24 | — | -431.4% | ||
| Q1 24 | — | 610.9% |
| Q4 25 | — | 39.0% | ||
| Q3 25 | — | 38.3% | ||
| Q2 25 | — | 41.8% | ||
| Q1 25 | — | 37.5% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 33.0% | ||
| Q2 24 | — | 30.4% | ||
| Q1 24 | — | 27.7% |
| Q4 25 | 0.22× | -5.71× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | -0.60× | ||
| Q3 24 | 0.02× | -19.32× | ||
| Q2 24 | — | -27.83× | ||
| Q1 24 | — | 8.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ATCH
Segment breakdown not available.
SOFI
| Technology Platform Segment | $94.0M | 55% |
| Interchange | $35.9M | 21% |
| Referrals Loan Platform | $19.7M | 12% |
| Brokerage | $12.9M | 8% |
| Financial Service Other | $4.1M | 2% |
| Other | $3.6M | 2% |
