Too close to call on the filings — the two names are within a point on our blended read; the better pick depends on which risk profile you prefer.
Genuine profitability inflection and 35%+ growth, but a ~its multiple and a debt-funded credit model leave little room for error.
Real growth and a profit inflection, but flat EPS on heavy dilution and a rich multiple make SOFI a hold, not a chase.
| Metric | AFRM | SOFI |
|---|---|---|
| Fundamentals score | 69 | 68 |
| Revenue growth (YoY) | +34.9% | +23.1% |
| Net income growth (YoY) | +110.1% | -3.5% |
| Net margin | 4.7% | 77.7% |
| Return on equity | 1.7% | 4.6% |
| ROIC (est.) | -0.6% | — |
| Liabilities / Equity | 2.63 | 3.83 |
| Piotroski F-score | 5 / 9 | 2 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 3:07 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 3:09 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.