ACT
Enact Holdings, Inc.
ACT has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ACT overall, supported by stronger valuation and stronger fundamentals.
ACT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ACT's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACT.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
ACT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6x | $28.70 | -37% |
| Fair | 7.6x | $36.40 | -21% |
| Expensive | 9.1x | $43.53 | -5% |
| Forward | 9.2x | $45.83 | — |
| Current | 9.5x | $45.83 | — |
Historical ranges are pointers, not guarantees.
ACT's PE is in its expensive range at 9.5x. If earnings grow as analysts expect, today's price would be 9.2x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over ACT in the historical PE scenario, which offers more potential upside but is not a forecast.
ACT Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect ACT's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ACT on the outlook, with more favorable valuation and revenue expectations.
ACT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.96 | +3.1% |
| Q3 2026 | $4.81 | +11% |
| Q2 2026 | $4.76 | +8.4% |
| Q1 2026 | $4.62 | +4.1% |
| Q4 2025 | $4.52 | +3.4% |
| Q3 2025 | $4.34 | +1.2% |
| Q2 2025 | $4.39 | +5.5% |
| Q1 2025 | $4.44 | +9.9% |
| Q4 2024 | $4.37 | +6.3% |
ACT has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
ACT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $312.9M | +0.4% |
| Q2 2026 | $317.3M | +4.1% |
| Q1 2026 | $312.1M | +1.7% |
| Q4 2025 | $312.7M | +3.6% |
| Q3 2025 | $311.5M | +0.6% |
| Q2 2025 | $304.9M | +2% |
| Q1 2025 | $306.8M | +5.2% |
| Q4 2024 | $301.8M | +1.9% |
ACT's revenue has grown year over year for 16 quarters in a row: $313M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 65% | -2.5 points |
| Q2 2026 | 69% | -1 points |
| Q1 2026 | 68% | -0.5 points |
| Q4 2025 | 71% | +2.5 points |
| Q3 2025 | 67% | -6.8 points |
| Q2 2025 | 70% | -8.2 points |
| Q1 2025 | 69% | -1.7 points |
| Q4 2024 | 69% | +1.4 points |
ACT has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over ACT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
ACT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $183.9M | -4.2% |
| Q2 2026 | $118.5M | -0.8% |
| Q1 2026 | $224M | -1.2% |
| Q4 2025 | $186.3M | +12% |
| Q3 2025 | $192M | +2.1% |
| Q2 2025 | $119.5M | -17% |
| Q1 2025 | $226.7M | +21% |
| Q4 2024 | $166.1M | -13% |
ACT has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
ACT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -2M shares |
| 1 year | -6.8% | -10M shares |
| 3 years | -14% | -22.9M shares |
| 5 years | -15% | -24.6M shares |
| Available history | -15% | -24.5M shares |
ACT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $117.9M |
| Q2 2026 | $93.3M |
| Q1 2026 | $93.2M |
| Q4 2025 | $127M |
| Q3 2025 | $105.5M |
| Q2 2025 | $84.6M |
| Q1 2025 | $65.3M |
| Q4 2024 | $74.6M |
ACT spent $431M buying back its own shares over the past year, up 31% from the year before.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ACT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2021 | 0.5x | Very low |
| Q4 2020 | 0.6x | Very low |
| Q3 2020 | 0.3x | Very low |
| Q2 2020 | -0.6x | Net Cash |
| Q4 2019 | -0.4x | Net Cash |
ACT's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like ACT.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
ACT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.5 | Neutral |
| Stochastic | 47.2 | Neutral |
ACT's weekly RSI is 49 (neutral) and its Stochastic is 47 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
ACT PE vs Financial Services Sector
| Metric | ACT | Sector median | Relative |
|---|---|---|---|
| PE | 9.5x | 13x | 27% below |
| PE % | 90 | 65 | 25 pts above |
ACT has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
ACT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.5 | 1.4% below |
| 20 week MA | $47.3 | 3.2% below |
| 50 week MA | $43.8 | 4.6% above |
| 100 week MA | $39.7 | 15% above |
| 200 week MA | $34.3 | 33% above |
ACT has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
ACT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $20.0 | $20.0 | +0.1% |
| 2022 | $20.0 | $24.2 | +21% |
| 2023 | $24.2 | $28.9 | +19% |
| 2024 | $28.9 | $32.4 | +12% |
| 2025 | $32.4 | $40.1 | +24% |
| 2026 YTD | $40.1 | $45.8 | +14% |
ACT has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.