BCG
Binah Capital Group, Inc.
There isn't enough reported data to score BCG yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
BCG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
BCG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCG.
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.
BCG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 5.3x | $1.10 | — |
| Cheap | 8x | $1.67 | +52% |
| Fair | 15x | $3.25 | +196% |
| Expensive | 76x | $16.04 | +1358% |
Historical ranges are pointers, not guarantees.
BCG has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
BCG Forward outlook
There aren't enough analyst estimates for BCG to show an outlook.
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.
BCG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.21 | +600% |
| Q2 2026 | $0.16 | +$0.28 |
| Q1 2026 | $0.12 | +$0.24 |
| Q4 2025 | $0.09 | +$0.41 |
| Q3 2025 | $0.03 | +$0.33 |
| Q2 2025 | -$0.12 | +$0.09 |
| Q1 2025 | -$0.12 | +$0.05 |
| Q4 2024 | -$0.32 | -900% |
BCG 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.
BCG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.6M | +9.4% |
| Q2 2026 | $46.5M | +12% |
| Q1 2026 | $48.7M | -0.5% |
| Q4 2025 | $50.5M | +13% |
| Q3 2025 | $46.2M | +9.5% |
| Q2 2025 | $41.5M | +2.1% |
| Q1 2025 | $48.9M | +18% |
| Q4 2024 | $44.6M | +13% |
BCG's revenue is growing: $51M last quarter, up 9.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 8% | +3.8 points |
| Q2 2026 | 0.9% | +2.3 points |
| Q1 2026 | 5.5% | +2.5 points |
| Q4 2025 | -0.5% | +0.8 points |
| Q3 2025 | 4.2% | +5.7 points |
| Q2 2025 | -1.4% | -0.1 points |
| Q1 2025 | 3% | +6.5 points |
| Q4 2024 | -1.3% | -0.8 points |
BCG's operating margin was 8% last quarter, up 3.8 points from the same quarter a year ago, near the top of its range since 2021.
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 BCG 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 has the edge over BCG on profitability, with a higher operating margin.
BCG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.1M | +246% |
| Q2 2026 | $1.1M | +1651% |
| Q1 2026 | $527K | -50% |
| Q4 2025 | $3.1M | +79% |
| Q3 2025 | $884K | +$1.2M |
| Q2 2025 | $63K | -94% |
| Q1 2025 | $1M | +$4.2M |
| Q4 2024 | $1.7M | -36% |
BCG 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.
BCG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +2% | +340K shares |
| 3 years | +11% | +1.8M shares |
| 5 years | +19% | +2.7M shares |
BCG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | $691 |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | $102.9M |
| Q1 2022 | — |
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 | — |
BCG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.1x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.2x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q1 2025 | -61.3x | Net Cash |
| Q2 2024 | -3.0x | Net Cash |
| Q1 2024 | -0.3x | Net Cash |
BCG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BCG.
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 BCG on leverage, with a lower net debt burden relative to earnings.
BCG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 20.7 | Neutral |
BCG's weekly RSI is 37 (neutral) and its Stochastic is 21 (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).
BCG PE vs Financial Services Sector
| Metric | BCG | Sector median | Relative |
|---|---|---|---|
| PE | 5.3x | 13x | 59% below |
| PE % | 0 | 31 | 31 pts below |
BCG 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.
BCG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.07 | 2.8% above |
| 20 week MA | $1.27 | 13% below |
| 50 week MA | $1.76 | 37% below |
| 100 week MA | $1.94 | 43% below |
BCG has stronger trend alignment. BCG is above 1 of 4 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.
BCG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $13.0 | $2.90 | -78% |
| 2025 | $2.90 | $2.39 | -18% |
| 2026 YTD | $2.39 | $1.10 | -54% |
BCG has finished every year since 2024 lower, and it's down 54% so far in 2026.
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 has the edge over BCG on returns for 2026, with the stronger performance.