AMAL
Amalgamated Financial Corp.
AMAL has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over AMAL overall, supported by stronger valuation and stronger modeled upside.
AMAL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
AMAL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like AMAL.
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.
AMAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $31.28 | -38% |
| Fair | 9.8x | $39.80 | -21% |
| Forward | 11x | $50.08 | — |
| Expensive | 12x | $47.33 | -5.5% |
| Current | 12x | $50.08 | — |
Historical ranges are pointers, not guarantees.
AMAL's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 AMAL in the historical PE scenario, which offers more potential upside but is not a forecast.
AMAL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for AMAL, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
AMAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.46 | +9.5% |
| Q3 2026 | $4.07 | +23% |
| Q2 2026 | $3.75 | +13% |
| Q1 2026 | $3.44 | +2.4% |
| Q4 2025 | $3.41 | -0.9% |
| Q3 2025 | $3.31 | -2.6% |
| Q2 2025 | $3.33 | +3.1% |
| Q1 2025 | $3.36 | +9.8% |
| Q4 2024 | $3.44 | +20% |
AMAL 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.
AMAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $101.7M | +19% |
| Q2 2026 | $98.4M | +22% |
| Q1 2026 | $93.4M | +21% |
| Q4 2025 | $85.2M | +9.4% |
| Q3 2025 | $85.6M | +5.6% |
| Q2 2025 | $80.9M | +3.2% |
| Q1 2025 | $77M | -1.6% |
| Q4 2024 | $77.9M | +1.5% |
AMAL's revenue has grown year over year for six quarters in a row: $102M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +5.5 points |
| Q2 2026 | 47% | +3.6 points |
| Q1 2026 | 36% | -8.7 points |
| Q4 2025 | 39% | -3.4 points |
| Q3 2025 | 43% | -4.3 points |
| Q2 2025 | 44% | -1.8 points |
| Q1 2025 | 45% | -4.1 points |
| Q4 2024 | 42% | -3.5 points |
AMAL 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 AMAL on sales, with more consistent year-over-year improvement.
| 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.
AMAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33M | -14% |
| Q2 2026 | $19.6M | -24% |
| Q1 2026 | $50.7M | +56% |
| Q4 2025 | $38M | +34% |
| Q3 2025 | $38.3M | +8.8% |
| Q2 2025 | $25.6M | -7.7% |
| Q1 2025 | $32.5M | +4.5% |
| Q4 2024 | $28.3M | +88% |
AMAL 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.
AMAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +52K shares |
| 1 year | -0.6% | -170K shares |
| 3 years | -1.1% | -349K shares |
| 5 years | -3.9% | -1.2M shares |
AMAL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.5M |
| Q2 2026 | — |
| Q1 2026 | $2.8M |
| Q4 2025 | $8.7M |
| Q3 2025 | $10.4M |
| Q2 2025 | $9.7M |
| Q1 2025 | $3.5M |
| Q4 2024 | $845,000 |
AMAL spent $18M buying back its own shares over the past year, down 26% 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 | — |
AMAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 1.7x | Healthy |
AMAL has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AMAL.
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 the edge over AMAL on leverage, with a lower net debt burden relative to earnings.
AMAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.6 | Neutral |
| Stochastic | 66.4 | Neutral |
AMAL's weekly RSI is 63 (neutral) and its Stochastic is 66 (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).
AMAL PE vs Financial Services Sector
| Metric | AMAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.5% below |
| PE % | 89 | 63 | 26 pts above |
AMAL 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.
AMAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.7 | 2.8% above |
| 20 week MA | $48.6 | 3.1% above |
| 50 week MA | $42.8 | 17% above |
| 100 week MA | $36.5 | 37% above |
| 200 week MA | $30.1 | 66% above |
AMAL 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.
AMAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $13.6 | -30% |
| 2021 | $13.6 | $16.7 | +22% |
| 2022 | $16.7 | $23.1 | +39% |
| 2023 | $23.1 | $26.9 | +17% |
| 2024 | $26.9 | $33.7 | +25% |
| 2025 | $33.7 | $32.7 | -3% |
| 2026 YTD | $32.7 | $50.1 | +53% |
AMAL 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.