AROW
Arrow Financial Corporation
AROW has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over AROW overall, supported by stronger valuation and stronger modeled upside.
AROW Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
AROW'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 AROW.
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.
AROW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.3x | $38.68 | — |
| Cheap | 11x | $29.38 | -24% |
| Fair | 13x | $33.92 | -12% |
| Expensive | 15x | $39.77 | +2.8% |
| Current | 15x | $38.68 | — |
Historical ranges are pointers, not guarantees.
AROW's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 9.3x next year's earnings, in its cheap range.
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 AROW in the historical PE scenario, which offers more potential upside but is not a forecast.
AROW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for AROW, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over AROW on the outlook, with more favorable profitability expectations.
AROW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.16 | +58% |
| Q3 2026 | $2.64 | +28% |
| Q2 2026 | $3.10 | +69% |
| Q1 2026 | $3.09 | +82% |
| Q4 2025 | $2.65 | +50% |
| Q3 2025 | $2.07 | +7.3% |
| Q2 2025 | $1.83 | -1.6% |
| Q1 2025 | $1.70 | +0.6% |
| Q4 2024 | $1.77 | +1.7% |
AROW 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.
AROW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2024 | $35M | +7.1% |
| Q1 2024 | $34.3M | -1.3% |
| Q4 2023 | $33.1M | -12% |
| Q3 2023 | $33.4M | -14% |
| Q2 2023 | $32.7M | -11% |
| Q1 2023 | $34.8M | -3.4% |
| Q4 2022 | $37.7M | +8.5% |
| Q3 2022 | $38.7M | +6.6% |
SOFI has the stronger quarterly revenue trend. Revenue is up 7.1% for AROW versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2019 | 41% | N/A |
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
AROW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.8M | +31% |
| Q2 2026 | $11.6M | +40% |
| Q1 2026 | $13.9M | +58% |
| Q4 2025 | $4.8M | +18% |
| Q3 2025 | $14.3M | +77% |
| Q2 2025 | $8.3M | +10% |
| Q1 2025 | $8.8M | -4.3% |
| Q4 2024 | $4.1M | +$21M |
AROW 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.
AROW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +12% | +2M shares |
| 1 year | +13% | +2.1M shares |
| 3 years | +8.3% | +1.4M shares |
| 5 years | +8.2% | +1.4M shares |
| Available history | +9.5% | +1.6M shares |
AROW has 18M diluted shares, up 13% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $370,000 |
| Q1 2026 | $113,000 |
| Q4 2025 | $154,000 |
| Q3 2025 | $1.4M |
| Q2 2025 | $5.2M |
| Q1 2025 | $3.5M |
| Q4 2024 | $265,000 |
AROW spent $2M buying back its own shares over the past year, down 84% 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 the edge over AROW on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
AROW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2019 | 3.1x | Elevated |
AROW's net debt is about 3.1 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like AROW.
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.
AROW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.7 | Neutral |
| Stochastic | 55.0 | Neutral |
AROW's weekly RSI is 55 (neutral) and its Stochastic is 55 (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).
AROW PE vs Financial Services Sector
| Metric | AROW | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 13% above |
| PE % | 77 | 63 | 14 pts above |
AROW 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.
AROW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.8 | 2.3% above |
| 20 week MA | $38.9 | 0.5% below |
| 50 week MA | $36.4 | 6.2% above |
| 100 week MA | $31.8 | 22% above |
| 200 week MA | $28.4 | 36% above |
AROW 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.
AROW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.4 | $29.4 | -19% |
| 2021 | $29.4 | $34.2 | +17% |
| 2022 | $34.2 | $34.4 | +0.4% |
| 2023 | $34.4 | $27.9 | -19% |
| 2024 | $27.9 | $28.5 | +2% |
| 2025 | $28.5 | $31.5 | +10% |
| 2026 YTD | $31.5 | $38.7 | +23% |
AROW 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.