ValueStockFinder

Highlights

Every trading day, ValueStockFinder scans around 3,500 companies to identify where growth momentum is accelerating most. We analyse how revenue and EPS growth develop over multiple quarters and combine this with changing analyst expectations to identify companies gaining momentum.

October 6, 2026: SoFi Technologies: Forward EPS Growth Accelerates to 38.55%

SoFi Technologies' forward EPS growth rose from 36.91% to 38.55%, an increase of 1.64 percentage points, while current revenue growth improved from 14.64% to 17.66%, a relative gain of 20.65%. Both signals rank at the top of their comparison universe, indicating strengthening estimate momentum for the U.S. fintech ecosystem spanning lending, financial services, and the Galileo and Technisys technology platforms.

The upward revisions align with the company's record loan originations and raised revenue guidance, reflecting broad-based expansion across personal, student, and home lending plus fee-based segments. The full fundamental analysis in the portal provides the complete quality, growth, and valuation context for this development.

October 5, 2026: Accenture: Current EPS Growth Turns Positive, Up 15.71 Percentage Points

Accenture’s current EPS growth turned from -3.43% to 12.29% versus the prior four-quarter average (+15.71 pp; +458.55%). Forward EPS growth rose from 5.72% to 8.89%, forward revenue growth from 4.07% to 5.18%, and current revenue growth from 1.21% to 3.52%.

The full fundamental analysis puts this growth into the context of Accenture’s enterprise demand and AI-led reinvention work.

September 28, 2026: Allstate: Revenue Growth Turns Sharply Positive, Up 12.31 Percentage Points

Allstate's current revenue growth shifted from -0.22% to 12.09%, an absolute improvement of 12.31 percentage points relative to the prior four-quarter average. This reflects higher insurance premiums, increased policies in force, and materially stronger investment income in the U.S. property and casualty business.

At the same time, forward EPS growth improved from -21.91% to -21.33%, a relative change of 2.65%. The full fundamental analysis in the portal provides further context on how these changes interact with Allstate's profitability, balance sheet, and long-term business quality.

September 25, 2026: Micron Technology: EPS Growth Accelerates to 302.64%

EPS growth rose from 174.35% to 302.64% (+128.29 pp) and revenue growth from 61.19% to 110.87% (+49.68 pp), both at 100.00 out of 100. For Micron Technology, this reflects AI-driven demand for DRAM, NAND, and HBM.

Forward EPS growth rose from 111.20% to 116.28% (+5.08 pp) and forward revenue growth from 85.27% to 90.80% (+5.53 pp) in the 30-day window. The full analysis in the portal adds broader context.

September 15, 2026: Western Digital EPS Growth Surges to 167% on AI Cloud Demand

Western Digital’s current EPS growth vs. the prior four-quarter average surged from 53.31% to 167.10%, a gain of 113.79 percentage points. This reflects the HDD pure-play benefiting from AI-driven cloud storage demand and tight supply.

Forward EPS growth edged up to 58.03% and forward revenue growth to 36.77% in the 30-day window. The company’s near net-cash balance sheet provides resilience. Read the full fundamental analysis in the portal for a deeper assessment.

September 7, 2026: Marvell Technology: Forward EPS growth jumps 5.85 pp to 59.98%

Marvell’s forward EPS growth increased from 54.13% to 59.98% in the 30-day window, an absolute rise of 5.85 percentage points, ranking at the maximum trigger level of 100.00. Simultaneously, forward revenue growth climbed from 45.12% to 51.28%, and current revenue growth edged up from 9.97% to 10.60%. The upward revisions reflect how the company’s custom AI silicon and electro-optics pipeline is translating into structurally improved earnings visibility, concentrated on hyperscaler data center demand.

These estimate trends align with a business that now derives roughly three-quarters of revenue from the data center segment and operates with an improved growth quality anchored in multi-year design wins. The full analysis in the portal provides a transparent basis to examine the durability of Marvell’s AI-driven expansion and the balance sheet discipline required to support it.

August 31, 2026: Prudential: Forward EPS growth accelerates to 17.09% with a trigger rank of 100

Prudential plc's forward EPS growth estimate has jumped from 12.23% to 17.09% in the latest 30-day window, a relative increase of 39.74% that earned the maximum trigger rank of 100. This signals that analyst expectations for the Asia- and Africa-focused life and health insurer are being revised sharply higher, reflecting greater confidence in its earnings trajectory driven by improving new business margins and operating leverage.

Alongside this, the company's current revenue growth rate surged to 191.85%, compared to an average of 20.47% over the prior four quarters, an absolute change of 171.38 percentage points. This exceptional spike, also at a trigger rank of 100, underscores a powerful operational acceleration for the insurer. For a deeper look at the quality, growth, and valuation drivers behind these figures, the full analysis in the portal provides a data-rich foundation for further research.

August 28, 2026: NVIDIA: Forward Revenue Growth Rises to 44.49%, EPS Growth to 45.03%

NVIDIA’s forward revenue growth rose from 42.47% to 44.49% (+2.02 pp; +4.76%), forward EPS growth from 43.17% to 45.03% (+1.86 pp; +4.31%), and current revenue growth from 41.01% to 43.17% (+2.16 pp; +5.26%). All trigger ranks: 100/100.

This fits NVIDIA’s GPU and AI data-center business and its attractive rating; the full analysis covers demand, supply, and valuation.

August 24, 2026: Vertiv: EPS growth surges from 42% to 83%

Vertiv's current EPS growth jumped to 82.81%, a 40.58 percentage point increase compared to the prior four-quarter average of 42.23%. This acceleration reflects the company's strong position in AI-driven data center infrastructure, where demand for its power and cooling systems remains exceptionally high.

At the same time, forward revenue growth estimates edged up from 28.71% to 29.49% over the last 30 days, and current revenue growth rose from 27.77% to 30.13%. These signals confirm that the market expects Vertiv's expansion to continue. The full analysis in the portal examines the company's competitive moat, valuation, and the risks tied to the current AI capex cycle.

August 10, 2026: American Express: EPS Growth Surges from 0.13% to 3.38%

American Express's current EPS growth surged from 0.13% to 3.38% compared to the average of the previous four quarters, a gain of 3.25 percentage points. This reflects the power of its closed-loop network and premium card fee model, which drove double-digit revenue growth in Q2 2026.

Forward estimates also ticked higher, with forward EPS growth rising to 13.77% and forward revenue growth to 9.13%, signaling sustained positive momentum. The full analysis examines the company's quality, late-cycle risks, and investment thesis.

Notice: ValueStockFinder does not provide investment advice and does not issue recommendations to buy, hold or sell securities or other financial instruments. We are neither a provider nor an intermediary of financial products and do not name, recommend or arrange such providers.

We analyse listed companies exclusively from a fundamental perspective. The analyses are created automatically with the support of artificial intelligence; the underlying data comes from external sources, for whose accuracy and completeness no guarantee is given.

The content is provided for your own independent decision-making and does not take into account the personal financial situation, investment objectives, knowledge, experience or risk tolerance of users. Every investment decision is made at your own responsibility. Investments involve risks and may result in losses.

Learn more about our data sources, research process and analytical methodology in Analysis Methodology.

Fundamental Company Analysis

Ticker: SOFI
Region: America
Sub-region: North America
Country: United States

ISIN: US83406F1021
Industry: Credit Services

Metric	Value	Peer median
P/E	30.5	–
Forw. P/E	18.5	–
PEG	0.78	–

Fundamental analysis as of 23.08.2026

Next analysis on: 29.10.2026

Difference from the analysis on 08.05.2026

SoFi's investment story has improved: record $14.8B originations and raised guidance confirm accelerating growth, while prior sell-off reduced the valuation despite near-term margin compression from strategic reinvestment. The most decisive change is the step-up in growth momentum. Previously, loan originations of $12.2 billion and a 30% revenue growth outlook underpinned the thesis. Now, quarterly originations have jumped to $14.8 billion across all major lending categories, and management has raised full-year revenue guidance, signaling that the expansion is not only sustained but strengthening. This shift is driven by structural scaling of the financial services ecosystem and early gains from new initiatives like SoFi Plus and business banking, though some cyclical demand tailwinds persist. A second meaningful change is the deliberate, investment-led compression in profitability. The prior analysis highlighted record contribution margins and an EBITDA margin of 31%, driven by operating leverage and low funding costs. Currently, management is reinvesting incremental profits into marketing, product development, and infrastructure. As a result, returns on invested and operating capital have dipped from prior peaks. This is a short-term, strategic trade-off intended to build higher recurring fee income and long-term operating leverage, rather than a structural erosion of profitability. The core lending and fee engines remain consistently profitable. Third, the risk-reward profile has changed. The earlier valuation commentary noted an ambitious rating that prompted analyst target cuts and a post-earnings sell-off. The current analysis describes the valuation as embedding a growth premium that is ambitious but not extreme, and notes the potential for faster earnings scaling. This suggests the market has partially corrected, lowering the bar for positive surprises. The original investment thesis – that SoFi is a compounder with a broadening moat, structural deposit advantage, and expanding fee-based revenue – is confirmed and reinforced. The near-term margin headwind does not weaken the long-term case; it reflects intentional reinvestment consistent with a quality-growth strategy. The improved growth visibility and more balanced valuation tilt the overall investment assessment upward compared to the prior analysis.

Score

(9.6)

Metric	Value	Peer median
Revenue growth YoY	39.1%	8.4%
Revenue growth +1Y	25.0%	–
Total assets growth	–	–
EPS growth YoY	33.3%	21.6%
EPS growth +1Y	39.1%	–
Free cash flow growth	64.5%	–

Revenue

SoFi’s latest quarter demonstrated broad-based, high-quality revenue expansion driven primarily by record loan originations across personal, student, and home loans, complemented by strong growth in financial services and technology platform fees. The lending engine benefited from higher volumes rather than outsized pricing, with net interest income and a solid net interest margin indicating disciplined underwriting and funding rather than pure rate-driven windfalls. At the same time, accelerating member and product growth and cross-buy in SoFi Plus deepened engagement, supporting recurring cash revenue and reducing reliance on one-off lending cycles. Growth did not slow; management raised full-year revenue guidance, reflecting confidence that current momentum is not just a single-quarter spike. Structural drivers include the shift toward capital-light fee revenue in financial services and the tech platform, expansion of enterprise and big business banking, and initiatives around SoFiUSD and crypto infrastructure that broaden use cases for SoFi’s rails. Cyclical tailwinds come from robust demand for unsecured personal loans and refinancing, which could normalize if credit conditions tighten or regulators raise scrutiny on stablecoin and crypto activities. Over the next 12 to 24 months, guidance implies continued strong double-digit revenue growth, with an increasing mix from financial services and technology, but this depends on successfully scaling new partners, maintaining credit performance through a volatile rate backdrop, and executing large bank implementations without delays.

Score

(6.1)

Metric	Value	Peer median
ROCE	4.9%	–
ROIC	8.0%	–
EBIT margin	17.0%	33.4%
Trailing EPS	0.5000	3.2900

ROCE

Despite strong top-line growth and another profitable quarter, SoFi’s underlying profitability metrics point to some compression as the company leans into investment-led growth. Operating margin softened as management deliberately prioritized marketing and product development spend across SoFi Plus, business banking, crypto and stablecoin infrastructure, and technology platform capabilities over maximizing near-term earnings. This trade-off reflects a strategic decision to build operating leverage over time by increasing fee-based and recurring revenue, even if near-term margins and returns on capital dip from previously higher levels. Returns on invested and operating capital have come down versus the prior quarter, consistent with elevated growth investments and a still-evolving mix that remains partly balance-sheet intensive. Management continues to target a long-term return on tangible common equity in the 20 to 30 percent range, but explicitly communicates that in the near term they will reinvest a large portion of incremental profits into growth initiatives rather than allowing margins to expand fully. Profitability is therefore sustainable in the sense that the core lending and fee businesses are already generating consistent earnings, yet not maximized because of intentional reinvestment. Over the next 12 to 24 months, further improvement is possible as financial services and technology platform scale and more enterprise partners ramp, but headwinds could arise from competitive pressure on pricing, higher credit costs in a weaker macro environment, and regulatory developments around crypto and stablecoins that might require additional compliance spending or constrain some planned offerings.

Score

(5.5)

Metric	Value	Peer median
Net debt / EBITDA	0.3	–
Net debt / FCF	100.0	–
Debt / Capital	23.5%	–
Interest coverage	0.5	–

Net debt / EBITDA

SoFi’s latest figures point to a balance sheet that is fundamentally cushioned by a sizable cash position and deposit base, but where leverage and interest coverage need close monitoring. Recent filings show meaningful debt outstanding, yet also indicate a net cash position at the corporate level and a declining debt-to-assets ratio over the last years, reflecting active deleveraging and use of equity capital to retire higher-cost borrowings. External data providers highlight that total debt sits well below equity and that long-term debt is modest relative to the scale of the franchise, signaling that solvency risk is limited under normal conditions, even if reported interest coverage is only moderate. The sharp swing in net debt to free cash flow and the drop in interest coverage quarter-over-quarter suggest that earnings and cash generation remain sensitive to funding costs, loan growth and the mix between interest and fee income. While the banking subsidiary benefits from sticky deposits, rising rates or normalization in credit performance could pressure spreads and profitability, reducing the buffer to service debt. Structural risks therefore center on refinancing of remaining convertible notes and term debt, regulatory capital demands as the balance sheet scales, and exposure to consumer credit cycles through personal and student loans. Overall, SoFi appears reasonably resilient, but the investment case still relies on continued earnings growth to further strengthen coverage ratios and preserve flexibility ahead of future market or macro shocks.

Learn more about our data sources, research process and analytical methodology in Analysis Methodology.

Highlights

Fundamental analysis as of 23.08.2026 ?Two days after quarterly results are published, a full new fundamental analysis is created for each company.

Fundamental analysis as of 23.08.2026