SOFI vs SQ Stock Comparison
SoFi Technologies, Inc. vs Block, Inc.
SQ leads
SQ leads by 5 AIQ points, primarily on Risk Resilience and Value.
Competitive: 4 of 5 evidence groups support SQ.
SoFi Technologies, Inc.
Block, Inc.
The Algovestiq AIQ Score currently favors SQ over SOFI, 49 versus 44 as of Sep 2, 2026. SQ's advantage is driven primarily by stronger risk resilience and value, while SOFI holds the stronger quality profile. 4 of 5 covered evidence groups favor SQ today, and the comparison is rated Competitive on stability: the AIQ gap is narrow at 5 points. SQ lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
Compare SoFi Technologies, Inc. and Block, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
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 Resilience15%26 vs 57SQ +31
- Value30%27 vs 46SQ +19
- Quality30%62 vs 48SOFI +14
4 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 2026-09-01, compared against the prior scored session 2026-08-31.
No factor moved materially.
No new signals fired.
No factor moved materially.
No new signals fired.
SQ's lead was unchanged in the latest snapshot.
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.
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 at 30% each.
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 31 points.
Analyst upside
SQSQ 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 | SOFI | SQ | Note |
|---|---|---|---|
| Implied upside to target | +14.8% | +16.4% | SQ has more room |
| Target dispersion | +63.6% | +21.6% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 10 | 6 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
4 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 | 44 vs 49 |
| Fundamentals | SOFIon balance | revenue growth 11.5% vs 9.3%; EPS growth -7.7% vs 128.8%; 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 26 vs 57 |
| Analyst expectations | SQ | Target upside 14.8% vs 16.4% |
✓ 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 narrow at 5 points. (argues the conclusion is provisional)
- 4 of 5 covered evidence groups point the same way. (supports the conclusion holding)
- 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 · Apr 20 – Sep 1SQ lead: Stable — the AIQ differential has held near 5 points over 30 sessions.
- Today
- SQ +5
- 44 vs 49
- 7 sessions ago
- SQ +3
- 46 vs 49
- 30 sessions ago
- SQ +4
- 45 vs 49
- 90 sessions ago
- SQ +1
- 48 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 / 2 bearish / 2 neutral
- Death Cross Active — bearish, trend, long horizon (13.24%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.81%)
No active signals
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 +4.4%, 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 Risk Resilience gap — currently 31 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 — the composite weights Quality and Value at 30% each, 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 | 6.2% | 1.6% |
| Debt to equity | 0.31 | 0.3 |
Technicals
Split| Metric | SOFI | SQ |
|---|---|---|
| RSI (14) | 49.3 | — |
| ADX (14) | 15 | — |
| Price vs 50-day | -0.2% | — |
| Price vs 200-day | -11.4% | — |
| Volatility (1M, annualized) | 47.7% | — |
Risk
SQ is the more resilient| Metric | SOFI | SQ |
|---|---|---|
| Beta | 2.77 | — |
| Sharpe ratio | -0.44 | — |
| Sortino ratio | -0.65 | — |
| Max drawdown | -53% | — |
| Current drawdown | -44.5% | — |
| Annualized volatility | 57.3% | — |
| 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 Sep 2, 2026, scoring 49 against SOFI's 44. 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 Sep 2, 2026, and the comparison is rated Competitive — 4 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 at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. SQ leads Risk Resilience by 31 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 +14.8% upside for SOFI and +16.4% for SQ, so the Street currently favors SQ. 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, 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 carries 25% of 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 31 points. The Risk Resilience factor weights 15% of 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%; 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 5 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-20 and 2026-09-01. 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 31 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 — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about SOFI and SQ?
SOFI: 0 bullish / 2 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
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). 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.