vs
Side-by-side financial comparison of Barnes & Noble Education, Inc. (BNED) 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 ($1.0B vs $598.2M, roughly 1.7× Barnes & Noble Education, Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 4.2%, a 12.8% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs 6.9%). Barnes & Noble Education, Inc. produced more free cash flow last quarter ($61.9M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 20.0%).
Barnes & Noble Booksellers is an American bookseller with the largest number of retail outlets in the United States. The company operates approximately 700+ retail stores across the United States.
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.
BNED vs SOFI — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $598.2M | $1.0B |
| Net Profit | $25.0M | $173.5M |
| Gross Margin | 21.7% | 84.2% |
| Operating Margin | 6.8% | 18.1% |
| Net Margin | 4.2% | 16.9% |
| Revenue YoY | 6.9% | 39.6% |
| Net Profit YoY | -49.7% | -47.8% |
| EPS (diluted) | $0.72 | $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 | $598.2M | $1.0B | ||
| Q3 25 | $274.2M | $961.6M | ||
| Q2 25 | $233.0M | $854.9M | ||
| Q1 25 | $419.7M | $771.8M | ||
| Q4 24 | $559.7M | $734.1M | ||
| Q3 24 | $250.9M | $697.1M | ||
| Q2 24 | $192.7M | $598.6M | ||
| Q1 24 | $415.4M | $645.0M |
| Q4 25 | $25.0M | $173.5M | ||
| Q3 25 | $-18.3M | $139.4M | ||
| Q2 25 | $-23.0M | $97.3M | ||
| Q1 25 | $17.9M | $71.1M | ||
| Q4 24 | $43.2M | $332.5M | ||
| Q3 24 | $-103.9M | $60.7M | ||
| Q2 24 | $-41.9M | $17.4M | ||
| Q1 24 | $-9.3M | $88.0M |
| Q4 25 | 21.7% | 84.2% | ||
| Q3 25 | 20.2% | 83.2% | ||
| Q2 25 | 30.3% | 82.4% | ||
| Q1 25 | 22.3% | 82.4% | ||
| Q4 24 | 23.0% | 82.5% | ||
| Q3 24 | 17.9% | 82.3% | ||
| Q2 24 | 28.7% | 81.7% | ||
| Q1 24 | 24.2% | 84.5% |
| Q4 25 | 6.8% | 18.1% | ||
| Q3 25 | -8.4% | 15.4% | ||
| Q2 25 | -4.9% | 13.1% | ||
| Q1 25 | 4.5% | 10.3% | ||
| Q4 24 | 8.4% | 8.2% | ||
| Q3 24 | -15.4% | 9.2% | ||
| Q2 24 | -16.3% | 2.6% | ||
| Q1 24 | 0.4% | 14.6% |
| Q4 25 | 4.2% | 16.9% | ||
| Q3 25 | -6.7% | 14.5% | ||
| Q2 25 | -9.9% | 11.4% | ||
| Q1 25 | 4.3% | 9.2% | ||
| Q4 24 | 7.7% | 45.3% | ||
| Q3 24 | -41.4% | 8.7% | ||
| Q2 24 | -21.7% | 2.9% | ||
| Q1 24 | -2.2% | 13.7% |
| Q4 25 | $0.72 | $0.14 | ||
| Q3 25 | $-0.54 | $0.11 | ||
| Q2 25 | $2.97 | $0.08 | ||
| Q1 25 | $0.59 | $0.06 | ||
| Q4 24 | $1.63 | $0.31 | ||
| Q3 24 | $-7.69 | $0.05 | ||
| Q2 24 | $-15.68 | $0.01 | ||
| Q1 24 | $-3.49 | $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 | $11.7M | $4.9B |
| Total DebtLower is stronger | $122.5M | — |
| Stockholders' EquityBook value | $283.2M | $10.5B |
| Total Assets | $1.1B | $50.7B |
| Debt / EquityLower = less leverage | 0.43× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.7M | $4.9B | ||
| Q3 25 | $7.3M | $3.2B | ||
| Q2 25 | $9.1M | $2.1B | ||
| Q1 25 | $9.2M | $2.1B | ||
| Q4 24 | $11.6M | $2.5B | ||
| Q3 24 | $8.2M | $2.4B | ||
| Q2 24 | $10.5M | $2.3B | ||
| Q1 24 | $8.1M | $3.7B |
| Q4 25 | $122.5M | — | ||
| Q3 25 | $170.0M | — | ||
| Q2 25 | $103.1M | — | ||
| Q1 25 | $141.2M | — | ||
| Q4 24 | $177.6M | — | ||
| Q3 24 | $221.9M | — | ||
| Q2 24 | $196.3M | — | ||
| Q1 24 | $30.2M | — |
| Q4 25 | $283.2M | $10.5B | ||
| Q3 25 | $256.5M | $8.8B | ||
| Q2 25 | $272.2M | $6.9B | ||
| Q1 25 | $292.9M | $6.7B | ||
| Q4 24 | $211.4M | $6.5B | ||
| Q3 24 | $149.8M | $6.1B | ||
| Q2 24 | $80.4M | $5.9B | ||
| Q1 24 | $121.5M | $5.8B |
| Q4 25 | $1.1B | $50.7B | ||
| Q3 25 | $950.8M | $45.3B | ||
| Q2 25 | $790.3M | $41.1B | ||
| Q1 25 | $1.1B | $37.7B | ||
| Q4 24 | $1.0B | $36.3B | ||
| Q3 24 | $973.2M | $34.4B | ||
| Q2 24 | $909.9M | $32.6B | ||
| Q1 24 | $1.2B | $31.3B |
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.66× | — | ||
| Q2 25 | 0.38× | — | ||
| Q1 25 | 0.48× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 1.48× | — | ||
| Q2 24 | 2.44× | — | ||
| Q1 24 | 0.25× | — |
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 | $66.2M | $-3.7B |
| Free Cash FlowOCF − Capex | $61.9M | $-4.0B |
| FCF MarginFCF / Revenue | 10.4% | -388.8% |
| Capex IntensityCapex / Revenue | 0.7% | 23.7% |
| Cash ConversionOCF / Net Profit | 2.65× | -21.56× |
| TTM Free Cash FlowTrailing 4 quarters | $-4.6M | $-6.9B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $66.2M | $-3.7B | ||
| Q3 25 | $-67.6M | $-1.3B | ||
| Q2 25 | $52.6M | $-1.5B | ||
| Q1 25 | $-41.9M | $21.5M | ||
| Q4 24 | $47.4M | $-1.1B | ||
| Q3 24 | $-143.5M | $-1.2B | ||
| Q2 24 | $81.7M | $-484.4M | ||
| Q1 24 | $-35.8M | $738.2M |
| Q4 25 | $61.9M | $-4.0B | ||
| Q3 25 | $-71.3M | $-1.4B | ||
| Q2 25 | $49.5M | $-1.5B | ||
| Q1 25 | $-44.7M | $-31.1M | ||
| Q4 24 | $44.4M | $-1.3B | ||
| Q3 24 | $-147.5M | $-1.2B | ||
| Q2 24 | $79.1M | $-521.1M | ||
| Q1 24 | $-39.0M | $706.3M |
| Q4 25 | 10.4% | -388.8% | ||
| Q3 25 | -26.0% | -142.0% | ||
| Q2 25 | 21.3% | -179.0% | ||
| Q1 25 | -10.7% | -4.0% | ||
| Q4 24 | 7.9% | -173.5% | ||
| Q3 24 | -58.8% | -174.6% | ||
| Q2 24 | 41.1% | -87.0% | ||
| Q1 24 | -9.4% | 109.5% |
| Q4 25 | 0.7% | 23.7% | ||
| Q3 25 | 1.4% | 6.2% | ||
| Q2 25 | 1.3% | 7.4% | ||
| Q1 25 | 0.7% | 6.8% | ||
| Q4 24 | 0.5% | 21.0% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.4% | 6.1% | ||
| Q1 24 | 0.8% | 5.0% |
| Q4 25 | 2.65× | -21.56× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | -2.34× | 0.30× | ||
| Q4 24 | 1.10× | -3.37× | ||
| Q3 24 | — | -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
BNED
| Course Materials Product | $459.3M | 77% |
| General Merchandise Product | $112.9M | 19% |
| Serviceand Other | $26.1M | 4% |
SOFI
Segment breakdown not available.
