RPAY vs SOFI Stock Comparison
Compare RPAY and SOFI across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between RPAY and SOFI?
RPAY leads the current stock comparison as Repay Holdings Corporation, with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Repay Holdings Corporation vs SoFi Technologies, Inc.
RPAY leads
RPAY leads by 7 AIQ points, primarily on Value, having only recently taken the lead back from SOFI.
Fragile: 4 of 6 evidence groups support RPAY, the lead recently changed hands, and its current signal state is conflicted.
Repay Holdings Corporation
SoFi Technologies, Inc.
The Algovestiq AIQ Score currently favors RPAY over SOFI, 46 versus 39 as of Sep 11, 2026. RPAY's advantage is driven primarily by stronger value, while SOFI holds the stronger quality profile. RPAY also shows the weaker technical structure relative to its 50-day moving average. 4 of 6 covered evidence groups favor RPAY today, and the comparison is rated Fragile on stability: the lead has already changed hands inside the comparison window. RPAY lead: Reversed — SOFI led by 2 AIQ points 30 sessions ago; RPAY now leads by 7.
Compare Repay Holdings Corporation and SoFi Technologies, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare RPAY and SOFI against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value75 vs 27RPAY +48
- Quality35 vs 62SOFI +27
- Risk Resilience25 vs 22Even
- Momentum39 vs 37Even
4 of 6 evidence groups favor RPAY. RPAY’s edge is concentrated in value; SOFI keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -6
No new signals fired.
Largest factor move: Momentum +1
No new signals fired.
RPAY's lead narrowed by 2 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — RPAY and SOFI both carry a full feed there.
The central trade-off
RPAY (Repay Holdings Corporation): the stronger current systematic profile, led by value.
SOFI (SoFi Technologies, Inc.): the counter-case, on quality, fundamentals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
RPAYRPAY on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
RPAYRPAY on combined revenue and EPS growth.
Value
RPAYRPAY on the peer-relative Value factor, by 48 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
SOFISOFI carries the lower 1-month annualized volatility.
Analyst upside
RPAYRPAY on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | RPAY | SOFI | Note |
|---|---|---|---|
| Implied upside to target | +24.7% | +19.6% | RPAY has more room |
| Target dispersion | +50.7% | +62.8% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 3 | 11 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor RPAY. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | RPAY | 46 vs 39 |
| Fundamentals | SOFIon balance | revenue growth 24.6% vs 11.5%; EPS growth -8.3% vs -7.7%; TTM ROE -32.6% vs 6.2%; gross margin 73.5% vs 76.5%; operating margin -3.1% vs 13.2% — SOFI takes 4 of 5 decided legs, not all of them |
| Valuation | RPAY | Value 75 vs 27 |
| Technicals | RPAY | Price vs 50-day -8% vs -3%; vs 200-day 1.8% vs -13.3% |
| Risk Resilience | Even | Risk Resilience 25 vs 22 |
| Analyst expectations | RPAY | Target upside 24.7% vs 19.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of RPAY and SOFI and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 7 points.
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on RPAY.
How the comparison changed
119 daily snapshots · May 4 – Sep 10RPAY lead: Reversed — SOFI led by 2 AIQ points 30 sessions ago; RPAY now leads by 7.
- Today
- RPAY +7
- 46 vs 39
- 7 sessions ago
- RPAY +9
- 52 vs 43
- 30 sessions ago
- SOFI +2
- 46 vs 48
- 90 sessions ago
- RPAY +10
- 56 vs 46
The lead changed hands 4 times in this window, most recently on Aug 20 when RPAY moved ahead of SOFI.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.67%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.99%)
- MACD Bearish Crossover — bearish, momentum, short horizon
0 bullish / 3 bearish / 2 neutral
- Death Cross Active — bearish, trend, long horizon (11.16%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Downtrend Structure Active — bearish, trend, long horizon
RPAY leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price 0%, AIQ -2 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.64%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1SOFI closes the Value gap — currently 48 points behind, the largest single contributor to RPAY's edge.
- 2SOFI's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3RPAY's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
SOFI leads on balance| Metric | RPAY | SOFI |
|---|---|---|
| Revenue growth (YoY) | 24.6% | 11.5% |
| EPS growth (YoY) | -8.3% | -7.7% |
| Gross margin | 73.5% | 76.5% |
| Operating margin | -3.1% | 13.2% |
| Return on equity (TTM) | -32.6% | 6.2% |
| Debt to equity | 1.64 | 0.31 |
Performance
SOFI leads 4 of 6 windows| Metric | RPAY | SOFI |
|---|---|---|
| 1 week (5 sessions) | -7% | -3.5% |
| 1 month (20 sessions) | -5.3% | -4.1% |
| 3 months (63 sessions) | 5.3% | 8.4% |
| 6 months (126 sessions) | 25.4% | -7.1% |
| Year to date | -2.5% | -34.3% |
| 1 year (252 sessions) | -39.9% | -33.7% |
Technicals
RPAY has the stronger structure| Metric | RPAY | SOFI |
|---|---|---|
| RSI (14) | 39.3 | 45.5 |
| ADX (14) | 11.3 | 12.5 |
| Price vs 50-day | -8% | -3% |
| Price vs 200-day | 1.8% | -13.3% |
| Volatility (1M, annualized) | 59.3% | 54.2% |
Risk
Split| Metric | RPAY | SOFI |
|---|---|---|
| Beta | 1.62 | 2.8 |
| Sharpe ratio | -0.42 | -0.49 |
| Sortino ratio | -0.74 | -0.73 |
| Max drawdown | -59.7% | -53% |
| Current drawdown | -40.3% | -46.6% |
| Annualized volatility | 72.6% | 57.7% |
| Value at risk (95%) | -6.5% | -6.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, RPAY or SOFI?
On the Algovestiq AIQ Score, RPAY is the stronger of the two as of Sep 11, 2026, scoring 46 against SOFI's 39. The edge comes from value. SOFI is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is RPAY or SOFI the better buy right now?
RPAY carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 4 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the lead has already changed hands inside the comparison window. Treat the lead as provisional.
Why does the AIQ Score favor RPAY over SOFI?
The composite weights Quality, Value, Momentum and Risk Resilience. RPAY leads Value by 48 points; SOFI leads Quality by 27 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, RPAY or SOFI?
Analyst price targets imply +24.7% upside for RPAY and +19.6% for SOFI, so the Street currently favors RPAY. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, RPAY or SOFI?
RPAY is the better-valued of the two on the peer-relative Value factor. RPAY on the peer-relative Value factor, by 48 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, RPAY or SOFI?
RPAY on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, RPAY or SOFI?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, RPAY or SOFI?
SOFI is the more resilient of the two, so the other name carries the higher downside risk. SOFI carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is RPAY more profitable than SOFI?
SOFI leads on the comparable margin measures — gross margin 73.5% vs 76.5%; operating margin -3.1% vs 13.2%; ttm roe -32.6% vs 6.2%.
Is RPAY's lead over SOFI getting stronger or weaker?
RPAY lead: Reversed — SOFI led by 2 AIQ points 30 sessions ago; RPAY now leads by 7. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 4 times in that window, most recently on 2026-08-20, when RPAY moved ahead of SOFI.
What would change the RPAY vs SOFI verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: SOFI closes the Value gap — currently 48 points behind, the largest single contributor to RPAY's edge; SOFI's Death Cross Active resolves — a bearish trend rule currently active against it; RPAY's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about RPAY and SOFI?
RPAY: 1 bullish / 1 bearish / 1 neutral, conflicted. SOFI: 0 bullish / 3 bearish / 2 neutral. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on RPAY is Golden Cross Active (bullish, long horizon). On SOFI it is Death Cross Active (bearish, long horizon).
Compare RPAY and SOFI with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.