vs
Side-by-side financial comparison of SoFi Technologies, Inc. (SOFI) and Simpson Manufacturing Co., Inc. (SSD). Click either name above to swap in a different company.
SoFi Technologies, Inc. is the larger business by last-quarter revenue ($1.0B vs $539.3M, roughly 1.9× Simpson Manufacturing Co., Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 10.4%, a 6.5% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs 4.2%). Simpson Manufacturing Co., Inc. produced more free cash flow last quarter ($119.0M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 0.8%).
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.
Simpson Manufacturing Company is a leading building materials manufacturer in the United States that produces structural connectors, fasteners, anchors, and products for new construction and retrofitting.
SOFI vs SSD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.0B | $539.3M |
| Net Profit | $173.5M | $56.2M |
| Gross Margin | 84.2% | 43.4% |
| Operating Margin | 18.1% | 13.9% |
| Net Margin | 16.9% | 10.4% |
| Revenue YoY | 39.6% | 4.2% |
| Net Profit YoY | -47.8% | 1.4% |
| EPS (diluted) | $0.14 | $1.34 |
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 | $1.0B | $539.3M | ||
| Q3 25 | $961.6M | $623.5M | ||
| Q2 25 | $854.9M | $631.1M | ||
| Q1 25 | $771.8M | $538.9M | ||
| Q4 24 | $734.1M | $517.4M | ||
| Q3 24 | $697.1M | $587.2M | ||
| Q2 24 | $598.6M | $597.0M | ||
| Q1 24 | $645.0M | $530.6M |
| Q4 25 | $173.5M | $56.2M | ||
| Q3 25 | $139.4M | $107.4M | ||
| Q2 25 | $97.3M | $103.5M | ||
| Q1 25 | $71.1M | $77.9M | ||
| Q4 24 | $332.5M | $55.4M | ||
| Q3 24 | $60.7M | $93.5M | ||
| Q2 24 | $17.4M | $97.8M | ||
| Q1 24 | $88.0M | $75.4M |
| Q4 25 | 84.2% | 43.4% | ||
| Q3 25 | 83.2% | 46.4% | ||
| Q2 25 | 82.4% | 46.7% | ||
| Q1 25 | 82.4% | 46.8% | ||
| Q4 24 | 82.5% | 44.0% | ||
| Q3 24 | 82.3% | 46.8% | ||
| Q2 24 | 81.7% | 46.7% | ||
| Q1 24 | 84.5% | 46.1% |
| Q4 25 | 18.1% | 13.9% | ||
| Q3 25 | 15.4% | 22.6% | ||
| Q2 25 | 13.1% | 22.2% | ||
| Q1 25 | 10.3% | 19.0% | ||
| Q4 24 | 8.2% | 14.8% | ||
| Q3 24 | 9.2% | 21.3% | ||
| Q2 24 | 2.6% | 22.1% | ||
| Q1 24 | 14.6% | 18.1% |
| Q4 25 | 16.9% | 10.4% | ||
| Q3 25 | 14.5% | 17.2% | ||
| Q2 25 | 11.4% | 16.4% | ||
| Q1 25 | 9.2% | 14.5% | ||
| Q4 24 | 45.3% | 10.7% | ||
| Q3 24 | 8.7% | 15.9% | ||
| Q2 24 | 2.9% | 16.4% | ||
| Q1 24 | 13.7% | 14.2% |
| Q4 25 | $0.14 | $1.34 | ||
| Q3 25 | $0.11 | $2.58 | ||
| Q2 25 | $0.08 | $2.47 | ||
| Q1 25 | $0.06 | $1.85 | ||
| Q4 24 | $0.31 | $1.31 | ||
| Q3 24 | $0.05 | $2.21 | ||
| Q2 24 | $0.01 | $2.31 | ||
| Q1 24 | $0.02 | $1.77 |
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 | $384.1M |
| Total DebtLower is stronger | — | $300.0M |
| Stockholders' EquityBook value | $10.5B | $2.0B |
| Total Assets | $50.7B | $3.1B |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9B | $384.1M | ||
| Q3 25 | $3.2B | $297.3M | ||
| Q2 25 | $2.1B | $190.4M | ||
| Q1 25 | $2.1B | $150.3M | ||
| Q4 24 | $2.5B | $239.4M | ||
| Q3 24 | $2.4B | $339.4M | ||
| Q2 24 | $2.3B | $354.9M | ||
| Q1 24 | $3.7B | $369.1M |
| Q4 25 | — | $300.0M | ||
| Q3 25 | — | $371.3M | ||
| Q2 25 | — | $376.9M | ||
| Q1 25 | — | $382.5M | ||
| Q4 24 | — | $388.1M | ||
| Q3 24 | — | $393.8M | ||
| Q2 24 | — | $399.4M | ||
| Q1 24 | — | $405.0M |
| Q4 25 | $10.5B | $2.0B | ||
| Q3 25 | $8.8B | $2.0B | ||
| Q2 25 | $6.9B | $1.9B | ||
| Q1 25 | $6.7B | $1.9B | ||
| Q4 24 | $6.5B | $1.8B | ||
| Q3 24 | $6.1B | $1.9B | ||
| Q2 24 | $5.9B | $1.8B | ||
| Q1 24 | $5.8B | $1.7B |
| Q4 25 | $50.7B | $3.1B | ||
| Q3 25 | $45.3B | $3.0B | ||
| Q2 25 | $41.1B | $3.0B | ||
| Q1 25 | $37.7B | $2.8B | ||
| Q4 24 | $36.3B | $2.7B | ||
| Q3 24 | $34.4B | $2.9B | ||
| Q2 24 | $32.6B | $2.8B | ||
| Q1 24 | $31.3B | $2.7B |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $-3.7B | $155.7M |
| Free Cash FlowOCF − Capex | $-4.0B | $119.0M |
| FCF MarginFCF / Revenue | -388.8% | 22.1% |
| Capex IntensityCapex / Revenue | 23.7% | 6.8% |
| Cash ConversionOCF / Net Profit | -21.56× | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | $-6.9B | $297.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.7B | $155.7M | ||
| Q3 25 | $-1.3B | $170.2M | ||
| Q2 25 | $-1.5B | $125.2M | ||
| Q1 25 | $21.5M | $7.6M | ||
| Q4 24 | $-1.1B | $115.8M | ||
| Q3 24 | $-1.2B | $103.3M | ||
| Q2 24 | $-484.4M | $111.1M | ||
| Q1 24 | $738.2M | $7.9M |
| Q4 25 | $-4.0B | $119.0M | ||
| Q3 25 | $-1.4B | $133.9M | ||
| Q2 25 | $-1.5B | $87.3M | ||
| Q1 25 | $-31.1M | $-42.6M | ||
| Q4 24 | $-1.3B | $60.3M | ||
| Q3 24 | $-1.2B | $58.1M | ||
| Q2 24 | $-521.1M | $70.9M | ||
| Q1 24 | $706.3M | $-31.5M |
| Q4 25 | -388.8% | 22.1% | ||
| Q3 25 | -142.0% | 21.5% | ||
| Q2 25 | -179.0% | 13.8% | ||
| Q1 25 | -4.0% | -7.9% | ||
| Q4 24 | -173.5% | 11.7% | ||
| Q3 24 | -174.6% | 9.9% | ||
| Q2 24 | -87.0% | 11.9% | ||
| Q1 24 | 109.5% | -5.9% |
| Q4 25 | 23.7% | 6.8% | ||
| Q3 25 | 6.2% | 5.8% | ||
| Q2 25 | 7.4% | 6.0% | ||
| Q1 25 | 6.8% | 9.3% | ||
| Q4 24 | 21.0% | 10.7% | ||
| Q3 24 | 6.2% | 7.7% | ||
| Q2 24 | 6.1% | 6.7% | ||
| Q1 24 | 5.0% | 7.4% |
| Q4 25 | -21.56× | 2.77× | ||
| Q3 25 | -9.37× | 1.58× | ||
| Q2 25 | -15.08× | 1.21× | ||
| Q1 25 | 0.30× | 0.10× | ||
| Q4 24 | -3.37× | 2.09× | ||
| Q3 24 | -19.32× | 1.10× | ||
| Q2 24 | -27.83× | 1.14× | ||
| Q1 24 | 8.39× | 0.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SOFI
Segment breakdown not available.
SSD
| Wood Construction | $352.0M | 65% |
| Other | $122.4M | 23% |
| Concrete Construction | $64.6M | 12% |
| Other Products | $318.0K | 0% |
