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Side-by-side financial comparison of SERVICE CORP INTERNATIONAL (SCI) and SoFi Technologies, Inc. (SOFI). Click either name above to swap in a different company.
SERVICE CORP INTERNATIONAL 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 14.3%, a 0.8% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (42.6% vs 1.7%). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (35.6% CAGR vs 3.1%).
International Distribution Services Limited is a British company providing postal and courier services. IDS was created in 2013 by the UK government as a new holding company of Royal Mail, and a majority of its shares were then sold on the London Stock Exchange, with the government initially retaining a 30 per cent at the time. As of April 2025, IDS is owned and operated by Czech-based EP Group, owned by Daniel Křetínský.
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.
SCI vs SOFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.1B |
| Net Profit | $159.4M | $166.7M |
| Gross Margin | 28.0% | — |
| Operating Margin | 24.8% | — |
| Net Margin | 14.3% | 15.2% |
| Revenue YoY | 1.7% | 42.6% |
| Net Profit YoY | 5.3% | 134.4% |
| EPS (diluted) | $1.13 | $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 | $1.1B | $854.9M | ||
| Q1 25 | $1.1B | $771.8M | ||
| Q4 24 | $1.1B | $734.1M | ||
| Q3 24 | $1.0B | $697.1M | ||
| Q2 24 | $1.0B | $598.6M |
| Q1 26 | — | $166.7M | ||
| Q4 25 | $159.4M | $173.5M | ||
| Q3 25 | $117.5M | $139.4M | ||
| Q2 25 | $122.9M | $97.3M | ||
| Q1 25 | $142.9M | $71.1M | ||
| Q4 24 | $151.4M | $332.5M | ||
| Q3 24 | $117.8M | $60.7M | ||
| Q2 24 | $118.2M | $17.4M |
| Q1 26 | — | — | ||
| Q4 25 | 28.0% | 84.2% | ||
| Q3 25 | 25.1% | 83.2% | ||
| Q2 25 | 25.5% | 82.4% | ||
| Q1 25 | 27.1% | 82.4% | ||
| Q4 24 | 28.0% | 82.5% | ||
| Q3 24 | 24.9% | 82.3% | ||
| Q2 24 | 24.9% | 81.7% |
| Q1 26 | — | — | ||
| Q4 25 | 24.8% | 18.1% | ||
| Q3 25 | 21.4% | 15.4% | ||
| Q2 25 | 21.1% | 13.1% | ||
| Q1 25 | 23.4% | 10.3% | ||
| Q4 24 | 24.0% | 8.2% | ||
| Q3 24 | 20.9% | 9.2% | ||
| Q2 24 | 21.4% | 2.6% |
| Q1 26 | — | 15.2% | ||
| Q4 25 | 14.3% | 16.9% | ||
| Q3 25 | 11.1% | 14.5% | ||
| Q2 25 | 11.5% | 11.4% | ||
| Q1 25 | 13.3% | 9.2% | ||
| Q4 24 | 13.8% | 45.3% | ||
| Q3 24 | 11.6% | 8.7% | ||
| Q2 24 | 11.4% | 2.9% |
| Q1 26 | — | $0.12 | ||
| Q4 25 | $1.13 | $0.14 | ||
| Q3 25 | $0.83 | $0.11 | ||
| Q2 25 | $0.86 | $0.08 | ||
| Q1 25 | $0.98 | $0.06 | ||
| Q4 24 | $1.02 | $0.31 | ||
| Q3 24 | $0.81 | $0.05 | ||
| Q2 24 | $0.81 | $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 | $243.6M | $3.4B |
| Total DebtLower is stronger | $5.1B | — |
| Stockholders' EquityBook value | $1.6B | $10.8B |
| Total Assets | $18.7B | $53.7B |
| Debt / EquityLower = less leverage | 3.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $3.4B | ||
| Q4 25 | $243.6M | $4.9B | ||
| Q3 25 | $241.3M | $3.2B | ||
| Q2 25 | $255.4M | $2.1B | ||
| Q1 25 | $227.2M | $2.1B | ||
| Q4 24 | $218.8M | $2.5B | ||
| Q3 24 | $185.4M | $2.4B | ||
| Q2 24 | $184.4M | $2.3B |
| Q1 26 | — | — | ||
| Q4 25 | $5.1B | — | ||
| Q3 25 | $5.0B | — | ||
| Q2 25 | $5.0B | — | ||
| Q1 25 | $4.7B | — | ||
| Q4 24 | $4.8B | — | ||
| Q3 24 | $4.7B | — | ||
| Q2 24 | $4.7B | — |
| Q1 26 | — | $10.8B | ||
| Q4 25 | $1.6B | $10.5B | ||
| Q3 25 | $1.6B | $8.8B | ||
| Q2 25 | $1.6B | $6.9B | ||
| Q1 25 | $1.7B | $6.7B | ||
| Q4 24 | $1.7B | $6.5B | ||
| Q3 24 | $1.6B | $6.1B | ||
| Q2 24 | $1.5B | $5.9B |
| Q1 26 | — | $53.7B | ||
| Q4 25 | $18.7B | $50.7B | ||
| Q3 25 | $18.4B | $45.3B | ||
| Q2 25 | $18.0B | $41.1B | ||
| Q1 25 | $17.3B | $37.7B | ||
| Q4 24 | $17.4B | $36.3B | ||
| Q3 24 | $17.4B | $34.4B | ||
| Q2 24 | $16.8B | $32.6B |
| Q1 26 | — | — | ||
| Q4 25 | 3.10× | — | ||
| Q3 25 | 3.17× | — | ||
| Q2 25 | 3.19× | — | ||
| Q1 25 | 2.87× | — | ||
| Q4 24 | 2.83× | — | ||
| Q3 24 | 2.92× | — | ||
| Q2 24 | 3.05× | — |
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 | $212.9M | — |
| Free Cash FlowOCF − Capex | $87.2M | — |
| FCF MarginFCF / Revenue | 7.8% | — |
| Capex IntensityCapex / Revenue | 11.3% | — |
| Cash ConversionOCF / Net Profit | 1.34× | — |
| TTM Free Cash FlowTrailing 4 quarters | $554.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $212.9M | $-3.7B | ||
| Q3 25 | $252.3M | $-1.3B | ||
| Q2 25 | $166.4M | $-1.5B | ||
| Q1 25 | $311.1M | $21.5M | ||
| Q4 24 | $264.1M | $-1.1B | ||
| Q3 24 | $263.8M | $-1.2B | ||
| Q2 24 | $196.9M | $-484.4M |
| Q1 26 | — | — | ||
| Q4 25 | $87.2M | $-4.0B | ||
| Q3 25 | $150.7M | $-1.4B | ||
| Q2 25 | $83.4M | $-1.5B | ||
| Q1 25 | $233.0M | $-31.1M | ||
| Q4 24 | $151.8M | $-1.3B | ||
| Q3 24 | $162.8M | $-1.2B | ||
| Q2 24 | $100.8M | $-521.1M |
| Q1 26 | — | — | ||
| Q4 25 | 7.8% | -388.8% | ||
| Q3 25 | 14.2% | -142.0% | ||
| Q2 25 | 7.8% | -179.0% | ||
| Q1 25 | 21.7% | -4.0% | ||
| Q4 24 | 13.9% | -173.5% | ||
| Q3 24 | 16.1% | -174.6% | ||
| Q2 24 | 9.7% | -87.0% |
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 23.7% | ||
| Q3 25 | 9.6% | 6.2% | ||
| Q2 25 | 7.8% | 7.4% | ||
| Q1 25 | 7.3% | 6.8% | ||
| Q4 24 | 10.3% | 21.0% | ||
| Q3 24 | 10.0% | 6.2% | ||
| Q2 24 | 9.3% | 6.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.34× | -21.56× | ||
| Q3 25 | 2.15× | -9.37× | ||
| Q2 25 | 1.35× | -15.08× | ||
| Q1 25 | 2.18× | 0.30× | ||
| Q4 24 | 1.75× | -3.37× | ||
| Q3 24 | 2.24× | -19.32× | ||
| Q2 24 | 1.67× | -27.83× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SCI
| Cemetery | $510.9M | 46% |
| Funeral Matured Preneed Revenue | $196.5M | 18% |
| Cemetery Recognized Preneed Merchandise And Service Revenue | $107.4M | 10% |
| Cemetery Atneed Revenue | $104.9M | 9% |
| CA | $56.4M | 5% |
| Funeral Other Revenue | $54.6M | 5% |
| Cemetery Other Revenue | $40.2M | 4% |
| Nonfuneral Home Revenue | $28.1M | 3% |
| Non Funeral Home Preneed Sales Revenue | $22.0M | 2% |
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% |
