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Side-by-side financial comparison of CF Industries (CF) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
CF Industries is the larger business by last-quarter revenue ($1.9B vs $1.1B, roughly 1.7× SoFi Technologies, Inc.). CF Industries runs the higher net margin — 26.4% vs 15.2%, a 11.3% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (42.6% vs 22.8%). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (35.6% CAGR vs 12.8%).
CF Industries Holdings, Inc. is an American manufacturer and distributor of agricultural fertilizers, including ammonia, urea, and ammonium nitrate products. The company is based in Northbrook, Illinois, a suburb of Chicago, and was founded in 1946 as the Central Farmers Fertilizer Company. For its first 56 years, it was a federation of regional agricultural supply cooperatives. CF then demutualized, and became a publicly traded company.
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.
CF vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.9B | $1.1B |
| Net Profit | $495.0M | $166.7M |
| Gross Margin | 40.9% | — |
| Operating Margin | 33.0% | — |
| Net Margin | 26.4% | 15.2% |
| Revenue YoY | 22.8% | 42.6% |
| Net Profit YoY | 26.3% | 897.2% |
| EPS (diluted) | $2.56 | $0.12 |
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.
| Q1 26 | — | $1.1B | ||
| Q4 25 | $1.9B | $1.0B | ||
| Q3 25 | $1.7B | $961.6M | ||
| Q2 25 | $1.9B | $854.9M | ||
| Q1 25 | $1.7B | $771.8M | ||
| Q4 24 | $1.5B | $734.1M | ||
| Q3 24 | $1.4B | $697.1M | ||
| Q2 24 | $1.6B | $598.6M |
| Q1 26 | — | $166.7M | ||
| Q4 25 | $495.0M | $173.5M | ||
| Q3 25 | $460.0M | $139.4M | ||
| Q2 25 | $492.0M | $97.3M | ||
| Q1 25 | $351.0M | $71.1M | ||
| Q4 24 | $392.0M | $332.5M | ||
| Q3 24 | $341.0M | $60.7M | ||
| Q2 24 | $506.0M | $17.4M |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 84.2% | ||
| Q3 25 | 38.1% | 83.2% | ||
| Q2 25 | 39.9% | 82.4% | ||
| Q1 25 | 34.4% | 82.4% | ||
| Q4 24 | 34.4% | 82.5% | ||
| Q3 24 | 32.4% | 82.3% | ||
| Q2 24 | 43.2% | 81.7% |
| Q1 26 | — | — | ||
| Q4 25 | 33.0% | 18.1% | ||
| Q3 25 | 35.0% | 15.4% | ||
| Q2 25 | 34.3% | 13.1% | ||
| Q1 25 | 27.4% | 10.3% | ||
| Q4 24 | 28.9% | 8.2% | ||
| Q3 24 | 26.6% | 9.2% | ||
| Q2 24 | 40.6% | 2.6% |
| Q1 26 | — | 15.2% | ||
| Q4 25 | 26.4% | 16.9% | ||
| Q3 25 | 27.7% | 14.5% | ||
| Q2 25 | 26.0% | 11.4% | ||
| Q1 25 | 21.1% | 9.2% | ||
| Q4 24 | 25.7% | 45.3% | ||
| Q3 24 | 24.9% | 8.7% | ||
| Q2 24 | 32.2% | 2.9% |
| Q1 26 | — | $0.12 | ||
| Q4 25 | $2.56 | $0.14 | ||
| Q3 25 | $2.19 | $0.11 | ||
| Q2 25 | $2.37 | $0.08 | ||
| Q1 25 | $1.85 | $0.06 | ||
| Q4 24 | $1.86 | $0.31 | ||
| Q3 24 | $1.55 | $0.05 | ||
| Q2 24 | $2.30 | $0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $3.4B |
| Total DebtLower is stronger | $3.2B | — |
| Stockholders' EquityBook value | $4.8B | $10.8B |
| Total Assets | $14.1B | $53.7B |
| Debt / EquityLower = less leverage | 0.66× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $3.4B | ||
| Q4 25 | — | $4.9B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.3B |
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.0B | — | ||
| Q2 25 | $3.0B | — | ||
| Q1 25 | $3.0B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $3.0B | — |
| Q1 26 | — | $10.8B | ||
| Q4 25 | $4.8B | $10.5B | ||
| Q3 25 | $4.8B | $8.8B | ||
| Q2 25 | $5.0B | $6.9B | ||
| Q1 25 | $4.8B | $6.7B | ||
| Q4 24 | $5.0B | $6.5B | ||
| Q3 24 | $5.2B | $6.1B | ||
| Q2 24 | $5.5B | $5.9B |
| Q1 26 | — | $53.7B | ||
| Q4 25 | $14.1B | $50.7B | ||
| Q3 25 | $14.2B | $45.3B | ||
| Q2 25 | $13.8B | $41.1B | ||
| Q1 25 | $13.3B | $37.7B | ||
| Q4 24 | $13.5B | $36.3B | ||
| Q3 24 | $13.8B | $34.4B | ||
| Q2 24 | $13.8B | $32.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.66× | — | ||
| Q3 25 | 0.61× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 0.62× | — | ||
| Q4 24 | 0.60× | — | ||
| Q3 24 | 0.57× | — | ||
| Q2 24 | 0.54× | — |
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 | $539.0M | — |
| Free Cash FlowOCF − Capex | $313.0M | — |
| FCF MarginFCF / Revenue | 16.7% | — |
| Capex IntensityCapex / Revenue | 12.1% | — |
| Cash ConversionOCF / Net Profit | 1.09× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.8B | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $539.0M | $-3.7B | ||
| Q3 25 | $1.1B | $-1.3B | ||
| Q2 25 | $563.0M | $-1.5B | ||
| Q1 25 | $586.0M | $21.5M | ||
| Q4 24 | $420.0M | $-1.1B | ||
| Q3 24 | $931.0M | $-1.2B | ||
| Q2 24 | $475.0M | $-484.4M |
| Q1 26 | — | — | ||
| Q4 25 | $313.0M | $-4.0B | ||
| Q3 25 | $717.0M | $-1.4B | ||
| Q2 25 | $318.0M | $-1.5B | ||
| Q1 25 | $454.0M | $-31.1M | ||
| Q4 24 | $223.0M | $-1.3B | ||
| Q3 24 | $792.0M | $-1.2B | ||
| Q2 24 | $391.0M | $-521.1M |
| Q1 26 | — | — | ||
| Q4 25 | 16.7% | -388.8% | ||
| Q3 25 | 43.2% | -142.0% | ||
| Q2 25 | 16.8% | -179.0% | ||
| Q1 25 | 27.3% | -4.0% | ||
| Q4 24 | 14.6% | -173.5% | ||
| Q3 24 | 57.8% | -174.6% | ||
| Q2 24 | 24.9% | -87.0% |
| Q1 26 | — | — | ||
| Q4 25 | 12.1% | 23.7% | ||
| Q3 25 | 20.9% | 6.2% | ||
| Q2 25 | 13.0% | 7.4% | ||
| Q1 25 | 7.9% | 6.8% | ||
| Q4 24 | 12.9% | 21.0% | ||
| Q3 24 | 10.1% | 6.2% | ||
| Q2 24 | 5.3% | 6.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.09× | -21.56× | ||
| Q3 25 | 2.31× | -9.37× | ||
| Q2 25 | 1.14× | -15.08× | ||
| Q1 25 | 1.67× | 0.30× | ||
| Q4 24 | 1.07× | -3.37× | ||
| Q3 24 | 2.73× | -19.32× | ||
| Q2 24 | 0.94× | -27.83× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CF
| Ammonia | $591.0M | 32% |
| UAN | $493.0M | 26% |
| Urea | $372.0M | 20% |
| Other | $244.0M | 13% |
| Other Products | $147.0M | 8% |
| Ammonium Nitrate Segment | $25.0M | 1% |
SOFI
| Loans and securitizations | $932.2M | 85% |
| Loan origination, sales, securitizations and servicing | $142.2M | 13% |
| Corporate borrowings | $10.7M | 1% |
| Securitizations and warehouses | $10.1M | 1% |
