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Side-by-side financial comparison of KB HOME (KBH) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
KB HOME is the larger business by last-quarter revenue ($1.7B vs $1.0B, roughly 1.7× SoFi Technologies, Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 6.0%, a 10.9% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs -15.3%). KB HOME produced more free cash flow last quarter ($290.1M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 7.4%).
KB Home is an American homebuilding company founded in 1957 as Kaufman & Broad in Detroit, Michigan. It was the first company to be traded on the New York Stock Exchange as a home builder. Its headquarters are in Los Angeles, California.
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.
KBH vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.7B | $1.0B |
| Net Profit | $101.5M | $173.5M |
| Gross Margin | — | 84.2% |
| Operating Margin | — | 18.1% |
| Net Margin | 6.0% | 16.9% |
| Revenue YoY | -15.3% | 39.6% |
| Net Profit YoY | -46.7% | -47.8% |
| EPS (diluted) | $1.55 | $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 | $1.7B | $1.0B | ||
| Q3 25 | $1.6B | $961.6M | ||
| Q2 25 | $1.5B | $854.9M | ||
| Q1 25 | $1.4B | $771.8M | ||
| Q4 24 | $2.0B | $734.1M | ||
| Q3 24 | $1.8B | $697.1M | ||
| Q2 24 | $1.7B | $598.6M | ||
| Q1 24 | $1.5B | $645.0M |
| Q4 25 | $101.5M | $173.5M | ||
| Q3 25 | $109.8M | $139.4M | ||
| Q2 25 | $107.9M | $97.3M | ||
| Q1 25 | $109.6M | $71.1M | ||
| Q4 24 | $190.6M | $332.5M | ||
| Q3 24 | $157.3M | $60.7M | ||
| Q2 24 | $168.4M | $17.4M | ||
| Q1 24 | $138.7M | $88.0M |
| Q4 25 | — | 84.2% | ||
| Q3 25 | — | 83.2% | ||
| Q2 25 | — | 82.4% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 82.5% | ||
| Q3 24 | — | 82.3% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 84.5% |
| Q4 25 | — | 18.1% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 8.2% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 14.6% |
| Q4 25 | 6.0% | 16.9% | ||
| Q3 25 | 6.8% | 14.5% | ||
| Q2 25 | 7.1% | 11.4% | ||
| Q1 25 | 7.9% | 9.2% | ||
| Q4 24 | 9.5% | 45.3% | ||
| Q3 24 | 9.0% | 8.7% | ||
| Q2 24 | 9.9% | 2.9% | ||
| Q1 24 | 9.4% | 13.7% |
| Q4 25 | $1.55 | $0.14 | ||
| Q3 25 | $1.61 | $0.11 | ||
| Q2 25 | $1.50 | $0.08 | ||
| Q1 25 | $1.49 | $0.06 | ||
| Q4 24 | $2.50 | $0.31 | ||
| Q3 24 | $2.04 | $0.05 | ||
| Q2 24 | $2.15 | $0.01 | ||
| Q1 24 | $1.76 | $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 | — | $4.9B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.9B | $10.5B |
| Total Assets | $6.7B | $50.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | — | $3.7B |
| Q4 25 | $3.9B | $10.5B | ||
| Q3 25 | $3.9B | $8.8B | ||
| Q2 25 | $4.0B | $6.9B | ||
| Q1 25 | $4.1B | $6.7B | ||
| Q4 24 | $4.1B | $6.5B | ||
| Q3 24 | $4.0B | $6.1B | ||
| Q2 24 | $4.0B | $5.9B | ||
| Q1 24 | $3.9B | $5.8B |
| Q4 25 | $6.7B | $50.7B | ||
| Q3 25 | $7.0B | $45.3B | ||
| Q2 25 | $7.0B | $41.1B | ||
| Q1 25 | $7.0B | $37.7B | ||
| Q4 24 | $6.9B | $36.3B | ||
| Q3 24 | $6.8B | $34.4B | ||
| Q2 24 | $6.8B | $32.6B | ||
| Q1 24 | $6.7B | $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 | $303.8M | $-3.7B |
| Free Cash FlowOCF − Capex | $290.1M | $-4.0B |
| FCF MarginFCF / Revenue | 17.1% | -388.8% |
| Capex IntensityCapex / Revenue | 0.8% | 23.7% |
| Cash ConversionOCF / Net Profit | 2.99× | -21.56× |
| TTM Free Cash FlowTrailing 4 quarters | $287.3M | $-6.9B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $303.8M | $-3.7B | ||
| Q3 25 | $197.7M | $-1.3B | ||
| Q2 25 | $168.4M | $-1.5B | ||
| Q1 25 | $-334.3M | $21.5M | ||
| Q4 24 | $362.6M | $-1.1B | ||
| Q3 24 | $-89.9M | $-1.2B | ||
| Q2 24 | $61.5M | $-484.4M | ||
| Q1 24 | $28.5M | $738.2M |
| Q4 25 | $290.1M | $-4.0B | ||
| Q3 25 | $185.8M | $-1.4B | ||
| Q2 25 | $156.9M | $-1.5B | ||
| Q1 25 | $-345.5M | $-31.1M | ||
| Q4 24 | $352.6M | $-1.3B | ||
| Q3 24 | $-99.4M | $-1.2B | ||
| Q2 24 | $51.2M | $-521.1M | ||
| Q1 24 | $19.1M | $706.3M |
| Q4 25 | 17.1% | -388.8% | ||
| Q3 25 | 11.5% | -142.0% | ||
| Q2 25 | 10.3% | -179.0% | ||
| Q1 25 | -24.8% | -4.0% | ||
| Q4 24 | 17.6% | -173.5% | ||
| Q3 24 | -5.7% | -174.6% | ||
| Q2 24 | 3.0% | -87.0% | ||
| Q1 24 | 1.3% | 109.5% |
| Q4 25 | 0.8% | 23.7% | ||
| Q3 25 | 0.7% | 6.2% | ||
| Q2 25 | 0.8% | 7.4% | ||
| Q1 25 | 0.8% | 6.8% | ||
| Q4 24 | 0.5% | 21.0% | ||
| Q3 24 | 0.5% | 6.2% | ||
| Q2 24 | 0.6% | 6.1% | ||
| Q1 24 | 0.6% | 5.0% |
| Q4 25 | 2.99× | -21.56× | ||
| Q3 25 | 1.80× | -9.37× | ||
| Q2 25 | 1.56× | -15.08× | ||
| Q1 25 | -3.05× | 0.30× | ||
| Q4 24 | 1.90× | -3.37× | ||
| Q3 24 | -0.57× | -19.32× | ||
| Q2 24 | 0.37× | -27.83× | ||
| Q1 24 | 0.21× | 8.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
SOFI
Segment breakdown not available.
