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Side-by-side financial comparison of TopBuild Corp (BLD) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
TopBuild Corp is the larger business by last-quarter revenue ($1.5B vs $1.0B, roughly 1.4× SoFi Technologies, Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 7.0%, a 9.9% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs 13.2%). TopBuild Corp produced more free cash flow last quarter ($159.4M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 7.8%).
HashiCorp, Inc. is an American software company with a freemium business model based in San Francisco, California. HashiCorp provides tools and products that enable developers, operators and security professionals to provision, secure, run and connect cloud-computing infrastructure. It was founded in 2012 by Mitchell Hashimoto and Armon Dadgar. The company name HashiCorp is a portmanteau of co-founder last name Hashimoto and Corporation.
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.
BLD vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.5B | $1.0B |
| Net Profit | $104.5M | $173.5M |
| Gross Margin | 27.2% | 84.2% |
| Operating Margin | 12.1% | 18.1% |
| Net Margin | 7.0% | 16.9% |
| Revenue YoY | 13.2% | 39.6% |
| Net Profit YoY | -30.6% | -47.8% |
| EPS (diluted) | $3.69 | $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 | $1.5B | $1.0B | ||
| Q3 25 | $1.4B | $961.6M | ||
| Q2 25 | $1.3B | $854.9M | ||
| Q1 25 | $1.2B | $771.8M | ||
| Q4 24 | $1.3B | $734.1M | ||
| Q3 24 | $1.4B | $697.1M | ||
| Q2 24 | $1.4B | $598.6M | ||
| Q1 24 | $1.3B | $645.0M |
| Q4 25 | $104.5M | $173.5M | ||
| Q3 25 | $142.2M | $139.4M | ||
| Q2 25 | $151.6M | $97.3M | ||
| Q1 25 | $123.4M | $71.1M | ||
| Q4 24 | $150.5M | $332.5M | ||
| Q3 24 | $169.0M | $60.7M | ||
| Q2 24 | $150.7M | $17.4M | ||
| Q1 24 | $152.4M | $88.0M |
| Q4 25 | 27.2% | 84.2% | ||
| Q3 25 | 30.1% | 83.2% | ||
| Q2 25 | 30.4% | 82.4% | ||
| Q1 25 | 28.5% | 82.4% | ||
| Q4 24 | 29.9% | 82.5% | ||
| Q3 24 | 30.7% | 82.3% | ||
| Q2 24 | 31.0% | 81.7% | ||
| Q1 24 | 30.3% | 84.5% |
| Q4 25 | 12.1% | 18.1% | ||
| Q3 25 | 15.4% | 15.4% | ||
| Q2 25 | 16.9% | 13.1% | ||
| Q1 25 | 14.4% | 10.3% | ||
| Q4 24 | 16.6% | 8.2% | ||
| Q3 24 | 17.8% | 9.2% | ||
| Q2 24 | 15.4% | 2.6% | ||
| Q1 24 | 16.8% | 14.6% |
| Q4 25 | 7.0% | 16.9% | ||
| Q3 25 | 10.2% | 14.5% | ||
| Q2 25 | 11.7% | 11.4% | ||
| Q1 25 | 10.0% | 9.2% | ||
| Q4 24 | 11.5% | 45.3% | ||
| Q3 24 | 12.3% | 8.7% | ||
| Q2 24 | 11.0% | 2.9% | ||
| Q1 24 | 11.9% | 13.7% |
| Q4 25 | $3.69 | $0.14 | ||
| Q3 25 | $5.04 | $0.11 | ||
| Q2 25 | $5.32 | $0.08 | ||
| Q1 25 | $4.23 | $0.06 | ||
| Q4 24 | $5.07 | $0.31 | ||
| Q3 24 | $5.65 | $0.05 | ||
| Q2 24 | $4.78 | $0.01 | ||
| Q1 24 | $4.79 | $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 | $184.7M | $4.9B |
| Total DebtLower is stronger | $2.8B | — |
| Stockholders' EquityBook value | $2.3B | $10.5B |
| Total Assets | $6.6B | $50.7B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $184.7M | $4.9B | ||
| Q3 25 | $1.1B | $3.2B | ||
| Q2 25 | $842.5M | $2.1B | ||
| Q1 25 | $308.8M | $2.1B | ||
| Q4 24 | $400.3M | $2.5B | ||
| Q3 24 | $257.3M | $2.4B | ||
| Q2 24 | $463.2M | $2.3B | ||
| Q1 24 | $968.8M | $3.7B |
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.3B | $10.5B | ||
| Q3 25 | $2.2B | $8.8B | ||
| Q2 25 | $2.1B | $6.9B | ||
| Q1 25 | $2.1B | $6.7B | ||
| Q4 24 | $2.2B | $6.5B | ||
| Q3 24 | $2.1B | $6.1B | ||
| Q2 24 | $2.4B | $5.9B | ||
| Q1 24 | $2.7B | $5.8B |
| Q4 25 | $6.6B | $50.7B | ||
| Q3 25 | $6.4B | $45.3B | ||
| Q2 25 | $5.1B | $41.1B | ||
| Q1 25 | $4.6B | $37.7B | ||
| Q4 24 | $4.7B | $36.3B | ||
| Q3 24 | $4.7B | $34.4B | ||
| Q2 24 | $4.9B | $32.6B | ||
| Q1 24 | $5.3B | $31.3B |
| Q4 25 | 1.23× | — | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 0.65× | — | ||
| Q4 24 | 0.62× | — | ||
| Q3 24 | 0.66× | — | ||
| Q2 24 | 0.59× | — | ||
| Q1 24 | 0.52× | — |
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 | $176.7M | $-3.7B |
| Free Cash FlowOCF − Capex | $159.4M | $-4.0B |
| FCF MarginFCF / Revenue | 10.7% | -388.8% |
| Capex IntensityCapex / Revenue | 1.2% | 23.7% |
| Cash ConversionOCF / Net Profit | 1.69× | -21.56× |
| TTM Free Cash FlowTrailing 4 quarters | $696.9M | $-6.9B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $176.7M | $-3.7B | ||
| Q3 25 | $233.3M | $-1.3B | ||
| Q2 25 | $193.7M | $-1.5B | ||
| Q1 25 | $152.6M | $21.5M | ||
| Q4 24 | $266.2M | $-1.1B | ||
| Q3 24 | $240.7M | $-1.2B | ||
| Q2 24 | $90.4M | $-484.4M | ||
| Q1 24 | $178.8M | $738.2M |
| Q4 25 | $159.4M | $-4.0B | ||
| Q3 25 | $216.2M | $-1.4B | ||
| Q2 25 | $182.2M | $-1.5B | ||
| Q1 25 | $139.2M | $-31.1M | ||
| Q4 24 | $253.7M | $-1.3B | ||
| Q3 24 | $219.8M | $-1.2B | ||
| Q2 24 | $74.3M | $-521.1M | ||
| Q1 24 | $158.9M | $706.3M |
| Q4 25 | 10.7% | -388.8% | ||
| Q3 25 | 15.5% | -142.0% | ||
| Q2 25 | 14.0% | -179.0% | ||
| Q1 25 | 11.3% | -4.0% | ||
| Q4 24 | 19.3% | -173.5% | ||
| Q3 24 | 16.0% | -174.6% | ||
| Q2 24 | 5.4% | -87.0% | ||
| Q1 24 | 12.4% | 109.5% |
| Q4 25 | 1.2% | 23.7% | ||
| Q3 25 | 1.2% | 6.2% | ||
| Q2 25 | 0.9% | 7.4% | ||
| Q1 25 | 1.1% | 6.8% | ||
| Q4 24 | 1.0% | 21.0% | ||
| Q3 24 | 1.5% | 6.2% | ||
| Q2 24 | 1.2% | 6.1% | ||
| Q1 24 | 1.6% | 5.0% |
| Q4 25 | 1.69× | -21.56× | ||
| Q3 25 | 1.64× | -9.37× | ||
| Q2 25 | 1.28× | -15.08× | ||
| Q1 25 | 1.24× | 0.30× | ||
| Q4 24 | 1.77× | -3.37× | ||
| Q3 24 | 1.42× | -19.32× | ||
| Q2 24 | 0.60× | -27.83× | ||
| Q1 24 | 1.17× | 8.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BLD
| Distribution Segment | $755.4M | 51% |
| Residential | $557.9M | 38% |
| All Other Products | $91.9M | 6% |
| Glass And Windows | $51.5M | 3% |
| Rain Gutters | $27.1M | 2% |
SOFI
Segment breakdown not available.
