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Side-by-side financial comparison of MODINE MANUFACTURING CO (MOD) 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 ($1.1B vs $805.0M, roughly 1.4× MODINE MANUFACTURING CO). SoFi Technologies, Inc. runs the higher net margin — 15.2% vs -5.9%, a 21.0% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (42.6% vs 30.5%). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (35.6% CAGR vs 15.5%).
Modine Manufacturing is a thermal management company established in 1916 in the United States. The company started as Modine Manufacturing Company by Arthur B Modine who patented the Spirex radiator for tractors. The Modine company manufactured the Turbotube radiator for Ford Model T cars. The company built the world's first vehicular wind tunnel in Racine, Wisconsin in 1941. During WWII, Modine manufactured aftercoolers for the P-51 Mustang fighter plane. After WWII, Modine introduced the Ai...
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.
MOD vs SOFI — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $805.0M | $1.1B |
| Net Profit | $-47.4M | $166.7M |
| Gross Margin | 23.1% | — |
| Operating Margin | 11.1% | — |
| Net Margin | -5.9% | 15.2% |
| Revenue YoY | 30.5% | 42.6% |
| Net Profit YoY | -215.6% | 897.2% |
| EPS (diluted) | $-0.90 | $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 | $805.0M | $1.0B | ||
| Q3 25 | $738.9M | $961.6M | ||
| Q2 25 | $682.8M | $854.9M | ||
| Q1 25 | $647.2M | $771.8M | ||
| Q4 24 | $616.8M | $734.1M | ||
| Q3 24 | $658.0M | $697.1M | ||
| Q2 24 | $661.5M | $598.6M |
| Q1 26 | — | $166.7M | ||
| Q4 25 | $-47.4M | $173.5M | ||
| Q3 25 | $44.4M | $139.4M | ||
| Q2 25 | $51.2M | $97.3M | ||
| Q1 25 | $49.6M | $71.1M | ||
| Q4 24 | $41.0M | $332.5M | ||
| Q3 24 | $46.1M | $60.7M | ||
| Q2 24 | $47.3M | $17.4M |
| Q1 26 | — | — | ||
| Q4 25 | 23.1% | 84.2% | ||
| Q3 25 | 22.3% | 83.2% | ||
| Q2 25 | 24.2% | 82.4% | ||
| Q1 25 | 25.6% | 82.4% | ||
| Q4 24 | 24.3% | 82.5% | ||
| Q3 24 | 25.2% | 82.3% | ||
| Q2 24 | 24.6% | 81.7% |
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 18.1% | ||
| Q3 25 | 9.9% | 15.4% | ||
| Q2 25 | 11.1% | 13.1% | ||
| Q1 25 | 11.5% | 10.3% | ||
| Q4 24 | 9.6% | 8.2% | ||
| Q3 24 | 11.4% | 9.2% | ||
| Q2 24 | 11.2% | 2.6% |
| Q1 26 | — | 15.2% | ||
| Q4 25 | -5.9% | 16.9% | ||
| Q3 25 | 6.0% | 14.5% | ||
| Q2 25 | 7.5% | 11.4% | ||
| Q1 25 | 7.7% | 9.2% | ||
| Q4 24 | 6.6% | 45.3% | ||
| Q3 24 | 7.0% | 8.7% | ||
| Q2 24 | 7.2% | 2.9% |
| Q1 26 | — | $0.12 | ||
| Q4 25 | $-0.90 | $0.14 | ||
| Q3 25 | $0.83 | $0.11 | ||
| Q2 25 | $0.95 | $0.08 | ||
| Q1 25 | $0.92 | $0.06 | ||
| Q4 24 | $0.76 | $0.31 | ||
| Q3 24 | $0.86 | $0.05 | ||
| Q2 24 | $0.88 | $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 | $98.7M | $3.4B |
| Total DebtLower is stronger | $570.7M | — |
| Stockholders' EquityBook value | $1.1B | $10.8B |
| Total Assets | $2.5B | $53.7B |
| Debt / EquityLower = less leverage | 0.51× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $3.4B | ||
| Q4 25 | $98.7M | $4.9B | ||
| Q3 25 | $83.8M | $3.2B | ||
| Q2 25 | $124.5M | $2.1B | ||
| Q1 25 | $71.6M | $2.1B | ||
| Q4 24 | $83.8M | $2.5B | ||
| Q3 24 | $78.6M | $2.4B | ||
| Q2 24 | $72.9M | $2.3B |
| Q1 26 | — | — | ||
| Q4 25 | $570.7M | — | ||
| Q3 25 | $525.8M | — | ||
| Q2 25 | $482.1M | — | ||
| Q1 25 | $296.7M | — | ||
| Q4 24 | $330.0M | — | ||
| Q3 24 | $359.1M | — | ||
| Q2 24 | $405.7M | — |
| Q1 26 | — | $10.8B | ||
| Q4 25 | $1.1B | $10.5B | ||
| Q3 25 | $1.1B | $8.8B | ||
| Q2 25 | $1.0B | $6.9B | ||
| Q1 25 | $910.2M | $6.7B | ||
| Q4 24 | $855.1M | $6.5B | ||
| Q3 24 | $858.8M | $6.1B | ||
| Q2 24 | $788.4M | $5.9B |
| Q1 26 | — | $53.7B | ||
| Q4 25 | $2.5B | $50.7B | ||
| Q3 25 | $2.4B | $45.3B | ||
| Q2 25 | $2.2B | $41.1B | ||
| Q1 25 | $1.9B | $37.7B | ||
| Q4 24 | $1.8B | $36.3B | ||
| Q3 24 | $1.9B | $34.4B | ||
| Q2 24 | $1.9B | $32.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.51× | — | ||
| Q3 25 | 0.50× | — | ||
| Q2 25 | 0.48× | — | ||
| Q1 25 | 0.33× | — | ||
| Q4 24 | 0.39× | — | ||
| Q3 24 | 0.42× | — | ||
| Q2 24 | 0.51× | — |
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 | $24.7M | — |
| Free Cash FlowOCF − Capex | $-17.1M | — |
| FCF MarginFCF / Revenue | -2.1% | — |
| Capex IntensityCapex / Revenue | 5.2% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-20.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $24.7M | $-3.7B | ||
| Q3 25 | $1.4M | $-1.3B | ||
| Q2 25 | $27.7M | $-1.5B | ||
| Q1 25 | $54.8M | $21.5M | ||
| Q4 24 | $60.7M | $-1.1B | ||
| Q3 24 | $57.3M | $-1.2B | ||
| Q2 24 | $40.5M | $-484.4M |
| Q1 26 | — | — | ||
| Q4 25 | $-17.1M | $-4.0B | ||
| Q3 25 | $-30.5M | $-1.4B | ||
| Q2 25 | $200.0K | $-1.5B | ||
| Q1 25 | $27.1M | $-31.1M | ||
| Q4 24 | $44.7M | $-1.3B | ||
| Q3 24 | $43.8M | $-1.2B | ||
| Q2 24 | $13.7M | $-521.1M |
| Q1 26 | — | — | ||
| Q4 25 | -2.1% | -388.8% | ||
| Q3 25 | -4.1% | -142.0% | ||
| Q2 25 | 0.0% | -179.0% | ||
| Q1 25 | 4.2% | -4.0% | ||
| Q4 24 | 7.2% | -173.5% | ||
| Q3 24 | 6.7% | -174.6% | ||
| Q2 24 | 2.1% | -87.0% |
| Q1 26 | — | — | ||
| Q4 25 | 5.2% | 23.7% | ||
| Q3 25 | 4.3% | 6.2% | ||
| Q2 25 | 4.0% | 7.4% | ||
| Q1 25 | 4.3% | 6.8% | ||
| Q4 24 | 2.6% | 21.0% | ||
| Q3 24 | 2.1% | 6.2% | ||
| Q2 24 | 4.1% | 6.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | -21.56× | ||
| Q3 25 | 0.03× | -9.37× | ||
| Q2 25 | 0.54× | -15.08× | ||
| Q1 25 | 1.10× | 0.30× | ||
| Q4 24 | 1.48× | -3.37× | ||
| Q3 24 | 1.24× | -19.32× | ||
| Q2 24 | 0.86× | -27.83× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 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% |
