BEN
Franklin Resources, Inc.
There isn't enough reported data to score BEN 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.
BEN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BEN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BEN.
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.
BEN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $18.81 | -48% |
| Forward | 11x | $35.86 | — |
| Fair | 14x | $27.96 | -22% |
| Current | 18x | $35.86 | — |
| Expensive | 25x | $49.14 | +37% |
Historical ranges are pointers, not guarantees.
BEN's PE is 18x, 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 BEN in the historical PE scenario, which offers more potential upside but is not a forecast.
BEN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BEN, 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.
BEN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.23 | +64% |
| Q3 2026 | $1.97 | +116% |
| Q2 2026 | $1.47 | +194% |
| Q1 2026 | $1.31 | +96% |
| Q4 2025 | $1.08 | +69% |
| Q3 2025 | $0.91 | +7.1% |
| Q2 2025 | $0.50 | -69% |
| Q1 2025 | $0.67 | -62% |
| Q4 2024 | $0.64 | -66% |
BEN's earnings per share have fallen from their peak: $1.97 over the past year, against $3.78 in late 2021.
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.
BEN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.4B | +3.9% |
| Q2 2026 | $2.4B | +14% |
| Q1 2026 | $2.3B | +8.7% |
| Q4 2025 | $2.3B | +3.4% |
| Q3 2025 | $2.3B | +6% |
| Q2 2025 | $2.1B | -2.8% |
| Q1 2025 | $2.1B | -1.9% |
| Q4 2024 | $2.3B | +13% |
BEN's revenue has grown year over year for five quarters in a row: $2.4B last quarter, up 3.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | +11 points |
| Q2 2026 | 9.2% | +1.7 points |
| Q1 2026 | 14% | +7.2 points |
| Q4 2025 | 12% | +2.3 points |
| Q3 2025 | 3.6% | +11 points |
| Q2 2025 | 7.5% | -3 points |
| Q1 2025 | 6.9% | +0.9 points |
| Q4 2024 | 9.7% | -0.6 points |
BEN's operating margin was 15% last quarter, up 11 points from the same quarter a year ago.
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 BEN 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 BEN on profitability, with a higher operating margin.
BEN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $532.7M | +$584.6M |
| Q3 2025 | -$51.9M | -111% |
| Q2 2025 | $1.3B | +163% |
| Q1 2025 | -$87.6M | -192% |
| Q4 2024 | -$217M | +$54.4M |
| Q3 2024 | $488.4M | -35% |
| Q2 2024 | $482.3M | -16% |
| Q1 2024 | $94.9M | +$143.7M |
BEN has the stronger cash trend. Its trailing FCF is up 47% versus its history, compared with SOFI at down 107%.
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.
BEN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -600K shares |
| 1 year | -0.4% | -2M shares |
| 3 years | +5% | +24.6M shares |
| 5 years | +5.1% | +24.8M shares |
| Available history | +4.1% | +20.1M shares |
BEN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $88.4M |
| Q2 2026 | $345.8M |
| Q1 2026 | $57.1M |
| Q4 2025 | $41.9M |
| Q3 2025 | $67.1M |
| Q2 2025 | $157.4M |
| Q1 2025 | $10M |
| Q4 2024 | $5.8M |
BEN spent $533M buying back its own shares over the past year, up 122% 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 | — |
BEN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.4x | Net Cash |
| Q2 2026 | -1.3x | Net Cash |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.6x | Net Cash |
BEN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BEN.
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 BEN on leverage, with a lower net debt burden relative to earnings.
BEN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.4 | Neutral |
| Stochastic | 56.6 | Neutral |
BEN's weekly RSI is 68 (neutral) and its Stochastic is 57 (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).
BEN PE vs Financial Services Sector
| Metric | BEN | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 40% above |
| PE % | 69 | 63 | 6 pts above |
BEN 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.
BEN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.6 | 9.9% above |
| 20 week MA | $33.3 | 7.8% above |
| 50 week MA | $29.6 | 21% above |
| 100 week MA | $25.8 | 39% above |
| 200 week MA | $25.5 | 41% above |
BEN 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.
BEN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.3 | $24.8 | -5.5% |
| 2021 | $24.8 | $33.4 | +35% |
| 2022 | $33.4 | $26.9 | -20% |
| 2023 | $26.9 | $29.8 | +11% |
| 2024 | $29.8 | $20.7 | -31% |
| 2025 | $20.7 | $24.2 | +17% |
| 2026 YTD | $24.2 | $35.9 | +48% |
BEN 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.