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Side-by-side financial comparison of SoFi Technologies, Inc. (SOFI) and WATSCO INC (WSO). Click either name above to swap in a different company.
WATSCO INC is the larger business by last-quarter revenue ($1.6B vs $1.0B, roughly 1.5× SoFi Technologies, Inc.). SoFi Technologies, Inc. runs the higher net margin — 16.9% vs 4.5%, a 12.4% gap on every dollar of revenue. On growth, SoFi Technologies, Inc. posted the faster year-over-year revenue change (39.6% vs -10.0%). WATSCO INC produced more free cash flow last quarter ($388.5M vs $-4.0B). Over the past eight quarters, SoFi Technologies, Inc.'s revenue compounded faster (26.1% CAGR vs 0.4%).
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.
Watsco, Inc. is a distributor of air conditioning, heating and refrigeration equipment, and related parts and supplies (HVAC/R) in the United States. Watsco was founded more than 60 years ago as a manufacturer of parts, components, and tools used in the HVAC/R industry. In 1989, the company shifted from manufacturing to distribution, by acquiring Gemaire Distributors Inc., a South Florida-based Rheem distributor.
SOFI vs WSO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.0B | $1.6B |
| Net Profit | $173.5M | $71.7M |
| Gross Margin | 84.2% | 27.1% |
| Operating Margin | 18.1% | 6.4% |
| Net Margin | 16.9% | 4.5% |
| Revenue YoY | 39.6% | -10.0% |
| Net Profit YoY | -47.8% | -25.9% |
| EPS (diluted) | $0.14 | $1.82 |
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 | $1.6B | ||
| Q3 25 | $961.6M | $2.1B | ||
| Q2 25 | $854.9M | $2.1B | ||
| Q1 25 | $771.8M | $1.5B | ||
| Q4 24 | $734.1M | $1.8B | ||
| Q3 24 | $697.1M | $2.2B | ||
| Q2 24 | $598.6M | $2.1B | ||
| Q1 24 | $645.0M | $1.6B |
| Q4 25 | $173.5M | $71.7M | ||
| Q3 25 | $139.4M | $161.6M | ||
| Q2 25 | $97.3M | $183.6M | ||
| Q1 25 | $71.1M | $80.1M | ||
| Q4 24 | $332.5M | $96.8M | ||
| Q3 24 | $60.7M | $171.0M | ||
| Q2 24 | $17.4M | $181.4M | ||
| Q1 24 | $88.0M | $87.0M |
| Q4 25 | 84.2% | 27.1% | ||
| Q3 25 | 83.2% | 27.5% | ||
| Q2 25 | 82.4% | 29.3% | ||
| Q1 25 | 82.4% | 28.1% | ||
| Q4 24 | 82.5% | 26.7% | ||
| Q3 24 | 82.3% | 26.2% | ||
| Q2 24 | 81.7% | 27.1% | ||
| Q1 24 | 84.5% | 27.5% |
| Q4 25 | 18.1% | 6.4% | ||
| Q3 25 | 15.4% | 11.4% | ||
| Q2 25 | 13.1% | 13.2% | ||
| Q1 25 | 10.3% | 7.3% | ||
| Q4 24 | 8.2% | 7.8% | ||
| Q3 24 | 9.2% | 11.6% | ||
| Q2 24 | 2.6% | 12.6% | ||
| Q1 24 | 14.6% | 8.1% |
| Q4 25 | 16.9% | 4.5% | ||
| Q3 25 | 14.5% | 7.8% | ||
| Q2 25 | 11.4% | 8.9% | ||
| Q1 25 | 9.2% | 5.2% | ||
| Q4 24 | 45.3% | 5.5% | ||
| Q3 24 | 8.7% | 7.9% | ||
| Q2 24 | 2.9% | 8.5% | ||
| Q1 24 | 13.7% | 5.6% |
| Q4 25 | $0.14 | $1.82 | ||
| Q3 25 | $0.11 | $3.98 | ||
| Q2 25 | $0.08 | $4.52 | ||
| Q1 25 | $0.06 | $1.93 | ||
| Q4 24 | $0.31 | $2.42 | ||
| Q3 24 | $0.05 | $4.22 | ||
| Q2 24 | $0.01 | $4.49 | ||
| Q1 24 | $0.02 | $2.17 |
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 | $733.3M |
| Total DebtLower is stronger | — | $361.6M |
| Stockholders' EquityBook value | $10.5B | $2.8B |
| Total Assets | $50.7B | $4.4B |
| Debt / EquityLower = less leverage | — | 0.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9B | $733.3M | ||
| Q3 25 | $3.2B | $524.3M | ||
| Q2 25 | $2.1B | $293.0M | ||
| Q1 25 | $2.1B | $431.8M | ||
| Q4 24 | $2.5B | $781.9M | ||
| Q3 24 | $2.4B | $550.0M | ||
| Q2 24 | $2.3B | $424.9M | ||
| Q1 24 | $3.7B | $478.9M |
| Q4 25 | — | $361.6M | ||
| Q3 25 | — | $340.8M | ||
| Q2 25 | — | $338.7M | ||
| Q1 25 | — | $346.4M | ||
| Q4 24 | — | $337.2M | ||
| Q3 24 | — | $321.0M | ||
| Q2 24 | — | $307.1M | ||
| Q1 24 | — | $306.3M |
| Q4 25 | $10.5B | $2.8B | ||
| Q3 25 | $8.8B | $2.8B | ||
| Q2 25 | $6.9B | $2.8B | ||
| Q1 25 | $6.7B | $2.7B | ||
| Q4 24 | $6.5B | $2.7B | ||
| Q3 24 | $6.1B | $2.7B | ||
| Q2 24 | $5.9B | $2.6B | ||
| Q1 24 | $5.8B | $2.5B |
| Q4 25 | $50.7B | $4.4B | ||
| Q3 25 | $45.3B | $4.6B | ||
| Q2 25 | $41.1B | $4.7B | ||
| Q1 25 | $37.7B | $4.5B | ||
| Q4 24 | $36.3B | $4.5B | ||
| Q3 24 | $34.4B | $4.5B | ||
| Q2 24 | $32.6B | $4.4B | ||
| Q1 24 | $31.3B | $4.4B |
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.13× | ||
| Q3 24 | — | 0.12× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 0.12× |
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 | $399.8M |
| Free Cash FlowOCF − Capex | $-4.0B | $388.5M |
| FCF MarginFCF / Revenue | -388.8% | 24.6% |
| Capex IntensityCapex / Revenue | 23.7% | 0.7% |
| Cash ConversionOCF / Net Profit | -21.56× | 5.57× |
| TTM Free Cash FlowTrailing 4 quarters | $-6.9B | $535.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.7B | $399.8M | ||
| Q3 25 | $-1.3B | $354.9M | ||
| Q2 25 | $-1.5B | $-7.4M | ||
| Q1 25 | $21.5M | $-177.6M | ||
| Q4 24 | $-1.1B | $378.9M | ||
| Q3 24 | $-1.2B | $232.8M | ||
| Q2 24 | $-484.4M | $57.7M | ||
| Q1 24 | $738.2M | $103.7M |
| Q4 25 | $-4.0B | $388.5M | ||
| Q3 25 | $-1.4B | $346.1M | ||
| Q2 25 | $-1.5B | $-14.3M | ||
| Q1 25 | $-31.1M | $-185.2M | ||
| Q4 24 | $-1.3B | $370.9M | ||
| Q3 24 | $-1.2B | $223.0M | ||
| Q2 24 | $-521.1M | $51.3M | ||
| Q1 24 | $706.3M | $97.9M |
| Q4 25 | -388.8% | 24.6% | ||
| Q3 25 | -142.0% | 16.7% | ||
| Q2 25 | -179.0% | -0.7% | ||
| Q1 25 | -4.0% | -12.1% | ||
| Q4 24 | -173.5% | 21.1% | ||
| Q3 24 | -174.6% | 10.3% | ||
| Q2 24 | -87.0% | 2.4% | ||
| Q1 24 | 109.5% | 6.3% |
| Q4 25 | 23.7% | 0.7% | ||
| Q3 25 | 6.2% | 0.4% | ||
| Q2 25 | 7.4% | 0.3% | ||
| Q1 25 | 6.8% | 0.5% | ||
| Q4 24 | 21.0% | 0.5% | ||
| Q3 24 | 6.2% | 0.5% | ||
| Q2 24 | 6.1% | 0.3% | ||
| Q1 24 | 5.0% | 0.4% |
| Q4 25 | -21.56× | 5.57× | ||
| Q3 25 | -9.37× | 2.20× | ||
| Q2 25 | -15.08× | -0.04× | ||
| Q1 25 | 0.30× | -2.22× | ||
| Q4 24 | -3.37× | 3.91× | ||
| Q3 24 | -19.32× | 1.36× | ||
| Q2 24 | -27.83× | 0.32× | ||
| Q1 24 | 8.39× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
