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Side-by-side financial comparison of EPAM Systems (EPAM) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
EPAM Systems is the larger business by last-quarter revenue ($1.4B vs $1.0B, roughly 1.4× SoFi Technologies, Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 7.8%, a 9.2% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs 12.8%). EPAM Systems produced more free cash flow last quarter ($268.1M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 9.9%).
EPAM Systems, Inc. is an American company that specializes in software engineering services, digital platform engineering, and digital product design, operating out of Newtown, Pennsylvania. EPAM is a founding member of the MACH Alliance.
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.
EPAM vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.0B |
| Net Profit | $109.4M | $173.5M |
| Gross Margin | 30.1% | 84.2% |
| Operating Margin | 10.6% | 18.1% |
| Net Margin | 7.8% | 16.9% |
| Revenue YoY | 12.8% | 39.6% |
| Net Profit YoY | 5.9% | -47.8% |
| EPS (diluted) | $1.97 | $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 | $1.4B | $1.0B | ||
| Q3 25 | $1.4B | $961.6M | ||
| Q2 25 | $1.4B | $854.9M | ||
| Q1 25 | $1.3B | $771.8M | ||
| Q4 24 | $1.2B | $734.1M | ||
| Q3 24 | $1.2B | $697.1M | ||
| Q2 24 | $1.1B | $598.6M | ||
| Q1 24 | $1.2B | $645.0M |
| Q4 25 | $109.4M | $173.5M | ||
| Q3 25 | $106.8M | $139.4M | ||
| Q2 25 | $88.0M | $97.3M | ||
| Q1 25 | $73.5M | $71.1M | ||
| Q4 24 | $103.3M | $332.5M | ||
| Q3 24 | $136.3M | $60.7M | ||
| Q2 24 | $98.6M | $17.4M | ||
| Q1 24 | $116.2M | $88.0M |
| Q4 25 | 30.1% | 84.2% | ||
| Q3 25 | 29.5% | 83.2% | ||
| Q2 25 | 28.8% | 82.4% | ||
| Q1 25 | 26.9% | 82.4% | ||
| Q4 24 | 30.4% | 82.5% | ||
| Q3 24 | 34.6% | 82.3% | ||
| Q2 24 | 29.3% | 81.7% | ||
| Q1 24 | 28.4% | 84.5% |
| Q4 25 | 10.6% | 18.1% | ||
| Q3 25 | 10.4% | 15.4% | ||
| Q2 25 | 9.3% | 13.1% | ||
| Q1 25 | 7.6% | 10.3% | ||
| Q4 24 | 10.9% | 8.2% | ||
| Q3 24 | 15.2% | 9.2% | ||
| Q2 24 | 10.5% | 2.6% | ||
| Q1 24 | 9.5% | 14.6% |
| Q4 25 | 7.8% | 16.9% | ||
| Q3 25 | 7.7% | 14.5% | ||
| Q2 25 | 6.5% | 11.4% | ||
| Q1 25 | 5.6% | 9.2% | ||
| Q4 24 | 8.3% | 45.3% | ||
| Q3 24 | 11.7% | 8.7% | ||
| Q2 24 | 8.6% | 2.9% | ||
| Q1 24 | 10.0% | 13.7% |
| Q4 25 | $1.97 | $0.14 | ||
| Q3 25 | $1.91 | $0.11 | ||
| Q2 25 | $1.56 | $0.08 | ||
| Q1 25 | $1.28 | $0.06 | ||
| Q4 24 | $1.80 | $0.31 | ||
| Q3 24 | $2.37 | $0.05 | ||
| Q2 24 | $1.70 | $0.01 | ||
| Q1 24 | $1.97 | $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 | $1.3B | $4.9B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.7B | $10.5B |
| Total Assets | $4.9B | $50.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.3B | $4.9B | ||
| Q3 25 | $1.2B | $3.2B | ||
| Q2 25 | $1.0B | $2.1B | ||
| Q1 25 | $1.2B | $2.1B | ||
| Q4 24 | $1.3B | $2.5B | ||
| Q3 24 | $2.1B | $2.4B | ||
| Q2 24 | $1.8B | $2.3B | ||
| Q1 24 | $2.0B | $3.7B |
| Q4 25 | $3.7B | $10.5B | ||
| Q3 25 | $3.7B | $8.8B | ||
| Q2 25 | $3.7B | $6.9B | ||
| Q1 25 | $3.6B | $6.7B | ||
| Q4 24 | $3.6B | $6.5B | ||
| Q3 24 | $3.6B | $6.1B | ||
| Q2 24 | $3.4B | $5.9B | ||
| Q1 24 | $3.5B | $5.8B |
| Q4 25 | $4.9B | $50.7B | ||
| Q3 25 | $4.8B | $45.3B | ||
| Q2 25 | $4.7B | $41.1B | ||
| Q1 25 | $4.7B | $37.7B | ||
| Q4 24 | $4.8B | $36.3B | ||
| Q3 24 | $4.5B | $34.4B | ||
| Q2 24 | $4.2B | $32.6B | ||
| Q1 24 | $4.4B | $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 | $282.9M | $-3.7B |
| Free Cash FlowOCF − Capex | $268.1M | $-4.0B |
| FCF MarginFCF / Revenue | 19.0% | -388.8% |
| Capex IntensityCapex / Revenue | 1.1% | 23.7% |
| Cash ConversionOCF / Net Profit | 2.59× | -21.56× |
| TTM Free Cash FlowTrailing 4 quarters | $612.7M | $-6.9B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $282.9M | $-3.7B | ||
| Q3 25 | $294.7M | $-1.3B | ||
| Q2 25 | $53.2M | $-1.5B | ||
| Q1 25 | $24.2M | $21.5M | ||
| Q4 24 | $130.3M | $-1.1B | ||
| Q3 24 | $242.0M | $-1.2B | ||
| Q2 24 | $57.0M | $-484.4M | ||
| Q1 24 | $129.9M | $738.2M |
| Q4 25 | $268.1M | $-4.0B | ||
| Q3 25 | $286.4M | $-1.4B | ||
| Q2 25 | $43.4M | $-1.5B | ||
| Q1 25 | $14.8M | $-31.1M | ||
| Q4 24 | $114.5M | $-1.3B | ||
| Q3 24 | $237.0M | $-1.2B | ||
| Q2 24 | $52.3M | $-521.1M | ||
| Q1 24 | $123.2M | $706.3M |
| Q4 25 | 19.0% | -388.8% | ||
| Q3 25 | 20.5% | -142.0% | ||
| Q2 25 | 3.2% | -179.0% | ||
| Q1 25 | 1.1% | -4.0% | ||
| Q4 24 | 9.2% | -173.5% | ||
| Q3 24 | 20.3% | -174.6% | ||
| Q2 24 | 4.6% | -87.0% | ||
| Q1 24 | 10.6% | 109.5% |
| Q4 25 | 1.1% | 23.7% | ||
| Q3 25 | 0.6% | 6.2% | ||
| Q2 25 | 0.7% | 7.4% | ||
| Q1 25 | 0.7% | 6.8% | ||
| Q4 24 | 1.3% | 21.0% | ||
| Q3 24 | 0.4% | 6.2% | ||
| Q2 24 | 0.4% | 6.1% | ||
| Q1 24 | 0.6% | 5.0% |
| Q4 25 | 2.59× | -21.56× | ||
| Q3 25 | 2.76× | -9.37× | ||
| Q2 25 | 0.60× | -15.08× | ||
| Q1 25 | 0.33× | 0.30× | ||
| Q4 24 | 1.26× | -3.37× | ||
| Q3 24 | 1.77× | -19.32× | ||
| Q2 24 | 0.58× | -27.83× | ||
| Q1 24 | 1.12× | 8.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
