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Side-by-side financial comparison of M/I HOMES, INC. (MHO) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
M/I HOMES, INC. is the larger business by last-quarter revenue ($1.1B vs $1.1B, roughly 1.0× SoFi Technologies, Inc.). SoFi Technologies, Inc. runs the higher net margin — 15.2% vs 5.6%, a 9.6% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (42.6% vs -4.8%). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (35.6% CAGR vs 4.7%).
M/I Homes, Inc. is a leading U.S. residential construction company that designs, builds and sells single-family homes, townhomes and duplexes across multiple U.S. states. It caters to entry-level, move-up and luxury homebuyers, offering energy-efficient designs, flexible floor plans and personalized customization options.
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.
MHO vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.1B |
| Net Profit | $64.0M | $166.7M |
| Gross Margin | 17.4% | — |
| Operating Margin | 6.5% | — |
| Net Margin | 5.6% | 15.2% |
| Revenue YoY | -4.8% | 42.6% |
| Net Profit YoY | -52.1% | 897.2% |
| EPS (diluted) | $2.42 | $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 | $1.1B | $1.0B | ||
| Q3 25 | $1.1B | $961.6M | ||
| Q2 25 | $1.2B | $854.9M | ||
| Q1 25 | $976.1M | $771.8M | ||
| Q4 24 | $1.2B | $734.1M | ||
| Q3 24 | $1.1B | $697.1M | ||
| Q2 24 | $1.1B | $598.6M |
| Q1 26 | — | $166.7M | ||
| Q4 25 | $64.0M | $173.5M | ||
| Q3 25 | $106.5M | $139.4M | ||
| Q2 25 | $121.2M | $97.3M | ||
| Q1 25 | $111.2M | $71.1M | ||
| Q4 24 | $133.5M | $332.5M | ||
| Q3 24 | $145.4M | $60.7M | ||
| Q2 24 | $146.7M | $17.4M |
| Q1 26 | — | — | ||
| Q4 25 | 17.4% | 84.2% | ||
| Q3 25 | 24.5% | 83.2% | ||
| Q2 25 | 24.7% | 82.4% | ||
| Q1 25 | 25.9% | 82.4% | ||
| Q4 24 | 24.6% | 82.5% | ||
| Q3 24 | 27.1% | 82.3% | ||
| Q2 24 | 27.9% | 81.7% |
| Q1 26 | — | — | ||
| Q4 25 | 6.5% | 18.1% | ||
| Q3 25 | 12.0% | 15.4% | ||
| Q2 25 | 13.4% | 13.1% | ||
| Q1 25 | 14.4% | 10.3% | ||
| Q4 24 | 13.6% | 8.2% | ||
| Q3 24 | 15.9% | 9.2% | ||
| Q2 24 | 16.8% | 2.6% |
| Q1 26 | — | 15.2% | ||
| Q4 25 | 5.6% | 16.9% | ||
| Q3 25 | 9.4% | 14.5% | ||
| Q2 25 | 10.4% | 11.4% | ||
| Q1 25 | 11.4% | 9.2% | ||
| Q4 24 | 11.1% | 45.3% | ||
| Q3 24 | 12.7% | 8.7% | ||
| Q2 24 | 13.2% | 2.9% |
| Q1 26 | — | $0.12 | ||
| Q4 25 | $2.42 | $0.14 | ||
| Q3 25 | $3.92 | $0.11 | ||
| Q2 25 | $4.42 | $0.08 | ||
| Q1 25 | $3.98 | $0.06 | ||
| Q4 24 | $4.71 | $0.31 | ||
| Q3 24 | $5.10 | $0.05 | ||
| Q2 24 | $5.12 | $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 | — | — |
| Stockholders' EquityBook value | $3.2B | $10.8B |
| Total Assets | $4.8B | $53.7B |
| Debt / EquityLower = less leverage | — | — |
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 | — | $10.8B | ||
| Q4 25 | $3.2B | $10.5B | ||
| Q3 25 | $3.1B | $8.8B | ||
| Q2 25 | $3.1B | $6.9B | ||
| Q1 25 | $3.0B | $6.7B | ||
| Q4 24 | $2.9B | $6.5B | ||
| Q3 24 | $2.8B | $6.1B | ||
| Q2 24 | $2.7B | $5.9B |
| Q1 26 | — | $53.7B | ||
| Q4 25 | $4.8B | $50.7B | ||
| Q3 25 | $4.8B | $45.3B | ||
| Q2 25 | $4.7B | $41.1B | ||
| Q1 25 | $4.6B | $37.7B | ||
| Q4 24 | $4.5B | $36.3B | ||
| Q3 24 | $4.5B | $34.4B | ||
| Q2 24 | $4.3B | $32.6B |
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 | $-8.7M | — |
| Free Cash FlowOCF − Capex | $-13.0M | — |
| FCF MarginFCF / Revenue | -1.1% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | -0.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $127.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-8.7M | $-3.7B | ||
| Q3 25 | $43.4M | $-1.3B | ||
| Q2 25 | $37.8M | $-1.5B | ||
| Q1 25 | $64.9M | $21.5M | ||
| Q4 24 | $104.4M | $-1.1B | ||
| Q3 24 | $-67.9M | $-1.2B | ||
| Q2 24 | $27.5M | $-484.4M |
| Q1 26 | — | — | ||
| Q4 25 | $-13.0M | $-4.0B | ||
| Q3 25 | $42.0M | $-1.4B | ||
| Q2 25 | $35.1M | $-1.5B | ||
| Q1 25 | $63.5M | $-31.1M | ||
| Q4 24 | $102.3M | $-1.3B | ||
| Q3 24 | $-68.5M | $-1.2B | ||
| Q2 24 | $22.0M | $-521.1M |
| Q1 26 | — | — | ||
| Q4 25 | -1.1% | -388.8% | ||
| Q3 25 | 3.7% | -142.0% | ||
| Q2 25 | 3.0% | -179.0% | ||
| Q1 25 | 6.5% | -4.0% | ||
| Q4 24 | 8.5% | -173.5% | ||
| Q3 24 | -6.0% | -174.6% | ||
| Q2 24 | 2.0% | -87.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 23.7% | ||
| Q3 25 | 0.1% | 6.2% | ||
| Q2 25 | 0.2% | 7.4% | ||
| Q1 25 | 0.1% | 6.8% | ||
| Q4 24 | 0.2% | 21.0% | ||
| Q3 24 | 0.1% | 6.2% | ||
| Q2 24 | 0.5% | 6.1% |
| Q1 26 | — | — | ||
| Q4 25 | -0.14× | -21.56× | ||
| Q3 25 | 0.41× | -9.37× | ||
| Q2 25 | 0.31× | -15.08× | ||
| Q1 25 | 0.58× | 0.30× | ||
| Q4 24 | 0.78× | -3.37× | ||
| Q3 24 | -0.47× | -19.32× | ||
| Q2 24 | 0.19× | -27.83× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
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% |
