ATLC
Atlanticus Holdings Corporation
ATLC's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ATLC overall, supported by stronger valuation and stronger modeled upside.
ATLC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ATLC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ATLC.
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.
ATLC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.9x | $55.81 | -30% |
| Forward | 6.4x | $79.30 | — |
| Current | 7x | $79.30 | — |
| Fair | 8x | $90.95 | +15% |
| Expensive | 11x | $126 | +59% |
Historical ranges are pointers, not guarantees.
ATLC's PE is 7.0x, 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 ATLC in the historical PE scenario, which offers more potential upside but is not a forecast.
ATLC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ATLC, 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.
ATLC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.40 | +9.3% |
| Q3 2026 | $11.35 | +102% |
| Q2 2026 | $7.69 | +35% |
| Q1 2026 | $6.70 | +30% |
| Q4 2025 | $5.96 | +25% |
| Q3 2025 | $5.63 | +26% |
| Q2 2025 | $5.69 | +35% |
| Q1 2025 | $5.17 | +22% |
| Q4 2024 | $4.77 | +12% |
ATLC 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.
ATLC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.1M | +69% |
| Q2 2026 | $223.6M | +83% |
| Q1 2026 | $189.7M | +60% |
| Q4 2025 | $175.9M | +50% |
| Q3 2025 | $140.8M | +40% |
| Q2 2025 | $122.3M | +36% |
| Q1 2025 | $118.2M | +26% |
| Q4 2024 | $117.5M | +28% |
ATLC has the edge over SOFI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +21 points |
| Q2 2026 | 30% | -3.3 points |
| Q1 2026 | 31% | -3.6 points |
| Q4 2025 | 26% | -7.7 points |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +1.1 points |
| Q1 2025 | 35% | -0.5 points |
| Q4 2024 | 34% | +0.5 points |
ATLC 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'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.
ATLC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $253.3M | +136% |
| Q2 2026 | $276.9M | +109% |
| Q1 2026 | $286.3M | +118% |
| Q4 2025 | $266.3M | +117% |
| Q3 2025 | $107.5M | -4.4% |
| Q2 2025 | $132.7M | +15% |
| Q1 2025 | $131.6M | +11% |
| Q4 2024 | $122.6M | -7.6% |
ATLC 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.
ATLC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +52K shares |
| 1 year | +0.2% | +34K shares |
| 3 years | +1.3% | +240K shares |
| 5 years | -4.6% | -927K shares |
ATLC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $407,000 |
| Q2 2026 | $55,000 |
| Q1 2026 | $3.8M |
| Q4 2025 | $16.4M |
| Q3 2025 | $25,000 |
| Q2 2025 | $1.9M |
| Q1 2025 | $51.2M |
| Q4 2024 | $25M |
ATLC spent $21M buying back its own shares over the past year, down 74% 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 | — |
ATLC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 19.9x | High |
| Q2 2026 | 25.9x | High |
| Q1 2026 | 29.7x | High |
| Q4 2025 | 34.8x | High |
| Q3 2025 | 34.9x | High |
| Q2 2025 | 14.9x | High |
| Q1 2025 | 14.0x | High |
| Q4 2024 | 14.7x | High |
ATLC's net debt is about 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ATLC.
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 ATLC on leverage, with a lower net debt burden relative to earnings.
ATLC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.0 | Neutral |
| Stochastic | 16.5 | Oversold |
ATLC's weekly RSI is 42 (neutral) and its Stochastic is 17 (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).
ATLC PE vs Financial Services Sector
| Metric | ATLC | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 36 | 63 | 27 pts below |
ATLC 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.
ATLC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $90.0 | 12% below |
| 20 week MA | $94.6 | 16% below |
| 50 week MA | $78.9 | 0.5% above |
| 100 week MA | $67.3 | 18% above |
| 200 week MA | $50.5 | 57% above |
ATLC 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.
ATLC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.45 | $24.0 | +184% |
| 2021 | $24.0 | $67.8 | +182% |
| 2022 | $67.8 | $24.1 | -64% |
| 2023 | $24.1 | $38.7 | +61% |
| 2024 | $38.7 | $57.0 | +47% |
| 2025 | $57.0 | $70.1 | +23% |
| 2026 YTD | $70.1 | $79.3 | +13% |
ATLC 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.