SOFI vs SQ Stock Comparison
SQ currently leads SOFI in this stock comparison, with AIQ scores of 49 vs 38. The clearest difference is risk resilience, while SOFI has the stronger quality profile.
What is the main difference between SOFI and SQ?
SQ leads the current stock comparison as Block, Inc., with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
SoFi Technologies, Inc. vs Block, Inc.
SQ leads
SQ leads by 11 AIQ points, primarily on Risk Resilience and Value. Wall Street currently favors SOFI on target upside.
Competitive: 3 of 5 evidence groups support SQ.
SoFi Technologies, Inc.
Block, Inc.
The Algovestiq AIQ Score currently favors SQ over SOFI, 49 versus 38 as of Oct 21, 2026. SQ's advantage is driven primarily by stronger risk resilience and value, while SOFI holds the stronger quality profile. Analyst target upside, however, currently favors SOFI. 3 of 5 covered evidence groups favor SQ today, and the comparison is rated Competitive on stability. SQ lead: Stable — the AIQ differential has held near 11 points over 30 sessions.
Compare SoFi Technologies, Inc. and Block, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price return from daily closes; distributions are not included.
Price return comparison
Growth of $10,000, price only
Split-adjusted closes only. Distributions are excluded, which understates the return of any fund or stock that pays them.
Compare SOFI and SQ 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.
- Risk Resilience24 vs 57SQ +33
- Value27 vs 46SQ +19
- Quality62 vs 48SOFI +14
3 of 5 evidence groups favor SQ. SQ’s edge is concentrated in risk resilience and value; SOFI keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +6
No signal started or stopped since the prior session; its 6 active signals are unchanged.
No factor moved materially.
No signal started or stopped since the prior session.
SQ's lead narrowed by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — SOFI and SQ both carry a full feed there.
The central trade-off
SQ (Block, Inc.): the stronger current systematic profile, led by risk resilience and value.
SOFI (SoFi Technologies, Inc.): the counter-case, on quality, fundamentals, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
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
SQSQ on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
SQSQ on combined revenue and EPS growth.
Value
SQSQ on the peer-relative Value factor, by 19 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
SQSQ on Risk Resilience, by 33 points.
Analyst upside
SOFISOFI on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors SQ, analyst targets favor SOFI. That disagreement is the most useful thing on this page.
| Measure | SOFI | SQ | Note |
|---|---|---|---|
| Implied upside to target | +38.3% | +18.4% | SOFI has more room |
| Target dispersion | +67.9% | +24.3% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 12 | 8 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 5 covered evidence groups favor SQ. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | SQ | 38 vs 49 |
| Fundamentals | SOFIon balance | revenue growth 11.5% vs 9.3%; EPS growth -7.7% vs 128.8%; TTM ROE 6.2% vs 1.6%; gross margin 76.5% vs 46.4%; operating margin 13.2% vs 10.2% — SOFI takes 4 of 5 decided legs, not all of them |
| Valuation | SQ | Value 27 vs 46 |
| Technicals | Not covered | Not covered |
| Risk Resilience | SQ | Risk Resilience 24 vs 57 |
| Analyst expectations | SOFI | Target upside 38.3% vs 18.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of SOFI and SQ and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 11 points.
- The lead has been steady session to session. (supports the conclusion holding)
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 SQ.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20SQ lead: Stable — the AIQ differential has held near 11 points over 30 sessions.
- Today
- SQ +11
- 38 vs 49
- 7 sessions ago
- SQ +12
- 37 vs 49
- 30 sessions ago
- SQ +12
- 37 vs 49
- 90 sessions ago
- SQ +2
- 47 vs 49
The lead has not changed hands in this window.
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.
0 bullish / 4 bearish / 2 neutral
Only SOFI
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (7.70%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.66%)
- 52-Week Low Proximity — bearish, risk, long horizon (2.3%)
- Downtrend Structure Active — bearish, trend, long horizon
- MACD Bearish Crossover — bearish, momentum, short horizon
No active signals
No signal that the other name lacks.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +1.5%, AIQ +1 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 Risk Resilience gap — currently 33 points behind, the largest single contributor to SQ's edge.
- 2SOFI's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3SQ starts generating bearish momentum or trend signals.
- 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 | SOFI | SQ |
|---|---|---|
| Revenue growth (YoY) | 11.5% | 9.3% |
| EPS growth (YoY) | -7.7% | 128.8% |
| Gross margin | 76.5% | 46.4% |
| Operating margin | 13.2% | 10.2% |
| Return on equity (TTM) | 6.2% | 1.6% |
| Debt to equity | 0.31 | 0.3 |
Performance
Split across windows| Metric | SOFI | SQ |
|---|---|---|
| 1 week (5 sessions) | -3.7% | — |
| 1 month (20 sessions) | -14.5% | — |
| 3 months (63 sessions) | -14% | — |
| 6 months (126 sessions) | -22% | — |
| Year to date | -43.8% | — |
| 1 year (252 sessions) | -44.8% | — |
Technicals
Split| Metric | SOFI | SQ |
|---|---|---|
| RSI (14) | 38.4 | — |
| ADX (14) | 23.9 | — |
| Price vs 50-day | -12.1% | — |
| Price vs 200-day | -19.5% | — |
| Volatility (1M, annualized) | 43.9% | — |
Risk
SQ is the more resilient| Metric | SOFI | SQ |
|---|---|---|
| Beta | 2.77 | — |
| Sharpe ratio | -0.83 | — |
| Sortino ratio | -1.22 | — |
| Max drawdown | -55.9% | — |
| Current drawdown | -54.4% | — |
| Annualized volatility | 56.6% | — |
| Value at risk (95%) | -6.1% | — |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, SOFI or SQ?
On the Algovestiq AIQ Score, SQ is the stronger of the two as of Oct 21, 2026, scoring 49 against SOFI's 38. The edge comes from risk resilience and 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 SOFI or SQ the better buy right now?
SQ carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Competitive — 3 of 5 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor SQ over SOFI?
The composite weights Quality, Value, Momentum and Risk Resilience. SQ leads Risk Resilience by 33 points; SQ leads Value by 19 points; SOFI leads Quality by 14 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, SOFI or SQ?
Analyst price targets imply +38.3% upside for SOFI and +18.4% for SQ, so the Street currently favors SOFI. That points the opposite way to the AIQ Score, which favors SQ. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, SOFI or SQ?
SQ is the better-valued of the two on the peer-relative Value factor. SQ on the peer-relative Value factor, by 19 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, SOFI or SQ?
SQ 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, SOFI or SQ?
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, SOFI or SQ?
SQ is the more resilient of the two, so the other name carries the higher downside risk. SQ on Risk Resilience, by 33 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is SOFI more profitable than SQ?
SOFI leads on the comparable margin measures — gross margin 76.5% vs 46.4%; operating margin 13.2% vs 10.2%; ttm roe 6.2% vs 1.6%.
Is SQ's lead over SOFI getting stronger or weaker?
SQ lead: Stable — the AIQ differential has held near 11 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has not changed hands in that window.
What would change the SOFI vs SQ verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: SOFI closes the Risk Resilience gap — currently 33 points behind, the largest single contributor to SQ's edge; SOFI's Death Cross Active resolves — a bearish trend rule currently active against it; SQ starts generating bearish momentum or trend signals; 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 SOFI and SQ?
SOFI: 0 bullish / 4 bearish / 2 neutral. SQ: No active signals. The most decision-relevant rule on SOFI is Death Cross Active (bearish, long horizon).
Compare SOFI and SQ 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.