ASIC
Ategrity Specialty Holdings LLC
ASIC trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ASIC overall, supported by stronger modeled upside and stronger valuation.
ASIC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
ASIC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ASIC.
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.
ASIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $24.39 | — |
| Cheap | 11x | $22.09 | -9.4% |
| Fair | 12x | $24.16 | -0.9% |
| Current | 12x | $24.39 | — |
| Expensive | 13x | $25.32 | +3.8% |
Historical ranges are pointers, not guarantees.
ASIC's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.
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 ASIC in the historical PE scenario, which offers more potential upside but is not a forecast.
ASIC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for ASIC, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ASIC on the outlook, with more favorable profitability expectations.
ASIC Earnings Per Share
ASIC and SOFI do not have enough comparable growth data to identify a winner.
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.
ASIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $125.6M | +8.2% |
| Q2 2026 | $148.5M | +46% |
| Q1 2026 | $129M | +55% |
| Q4 2025 | $123.3M | +18% |
| Q2 2025 | $101.8M | +34% |
| Q1 2025 | $83.1M | +9.3% |
ASIC's revenue has grown year over year every quarter since mid-2025: $126M last quarter, up 8.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | -14 points |
| Q2 2026 | 31% | +9.3 points |
| Q1 2026 | 27% | +14 points |
| Q4 2025 | 27% | N/A |
| Q3 2025 | 26% | -4.4 points |
| Q2 2025 | 22% | N/A |
| Q1 2025 | 13% | N/A |
| Q4 2024 | 30% | +16 points |
ASIC's operating margin was 12% last quarter, down 14 points from the same quarter a year ago, near the bottom of its range since 2024.
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 ASIC 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 has the edge over ASIC on profitability, with a higher operating margin.
ASIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $72.5M | +76% |
| Q1 2026 | $41.1M | +96% |
| Q3 2025 | $41.1M | +38% |
| Q1 2025 | $21M | -40% |
| Q1 2025 | $0 | -100% |
| Q4 2024 | $34.5M | +16% |
| Q4 2024 | $29.8M | +0.2% |
| Q3 2024 | $21M | -40% |
ASIC's free cash flow was $193M over the past year, up 126% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ASIC.
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.
ASIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +382K shares |
| 1 year | +0.5% | +274K shares |
ASIC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q1 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q4 2024 | $2.7M |
| Q3 2024 | — |
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 | — |
ASIC Net Leverage
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.
ASIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.3 | Neutral |
| Stochastic | 17.8 | Oversold |
ASIC's weekly RSI is 50 (neutral) and its Stochastic is 18 (oversold).
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).
ASIC PE vs Financial Services Sector
| Metric | ASIC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.1% below |
| PE % | 63 | 12 | 51 pts above |
ASIC 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.
ASIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.4 | 3.8% below |
| 20 week MA | $25.4 | 3.8% below |
| 50 week MA | $22.1 | 10% above |
ASIC has stronger trend alignment. ASIC is above 1 of 3 weekly averages versus SOFI above 1 of 5.
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.
ASIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $23.7 | $21.5 | -9.2% |
| 2026 YTD | $21.5 | $24.4 | +14% |
ASIC 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.