BFC
Bank First Corporation
BFC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BFC overall, supported by stronger valuation and stronger fundamentals.
BFC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
BFC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like BFC.
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.
BFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $95.95 | -36% |
| Forward | 13x | $150 | — |
| Fair | 15x | $119 | -21% |
| Expensive | 18x | $146 | -3% |
| Current | 19x | $150 | — |
Historical ranges are pointers, not guarantees.
BFC's PE is in its expensive range at 19x. If earnings grow as analysts expect, today's price would be 13x 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 BFC in the historical PE scenario, which offers more potential upside but is not a forecast.
BFC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for BFC, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BFC on the outlook, with more favorable profitability expectations.
BFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.60 | +45% |
| Q3 2026 | $8.01 | +13% |
| Q2 2026 | $7.69 | +11% |
| Q1 2026 | $7.19 | +5.6% |
| Q4 2025 | $7.23 | +11% |
| Q3 2025 | $7.11 | -13% |
| Q2 2025 | $6.93 | -13% |
| Q1 2025 | $6.81 | -12% |
| Q4 2024 | $6.50 | -11% |
BFC earned $8.01 per share over the past year, up 13% from the year before.
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 has the edge over BFC on earnings, with more consistent year-over-year improvement.
BFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65.3M | +48% |
| Q2 2026 | $65M | +56% |
| Q1 2026 | $63.7M | +48% |
| Q4 2025 | $44.9M | +12% |
| Q3 2025 | $44.2M | +8.4% |
| Q2 2025 | $41.6M | +7% |
| Q1 2025 | $43.1M | +14% |
| Q4 2024 | $40.1M | -47% |
BFC's revenue has grown year over year for seven quarters in a row: $65M last quarter, up 48% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | -5.1 points |
| Q2 2026 | 47% | -2.5 points |
| Q1 2026 | 39% | -13 points |
| Q4 2025 | 51% | -3.4 points |
| Q3 2025 | 51% | +0.1 points |
| Q2 2025 | 50% | -1.3 points |
| Q1 2025 | 51% | +5.7 points |
| Q4 2024 | 54% | -6.7 points |
BFC 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 has the edge over BFC 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'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.
BFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26M | +109% |
| Q2 2026 | $20.7M | +151% |
| Q1 2026 | -$16.9M | -521% |
| Q4 2025 | $26.3M | -4% |
| Q3 2025 | $12.5M | -26% |
| Q2 2025 | $8.2M | -40% |
| Q1 2025 | $4M | +628% |
| Q4 2024 | $27.4M | +51% |
BFC 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.
BFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -62.8K shares |
| 1 year | +13% | +1.2M shares |
| 3 years | +6.8% | +700K shares |
| 5 years | +45% | +3.4M shares |
| Available history | +60% | +4.2M shares |
BFC has 11M diluted shares, up 13% from a year ago, despite $24M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $412,000 |
| Q2 2026 | $20.4M |
| Q1 2026 | $3.1M |
| Q4 2025 | $1,000 |
| Q3 2025 | — |
| Q2 2025 | $15.7M |
| Q1 2025 | $6.4M |
| Q4 2024 | — |
BFC spent $24M buying back its own shares over the past year, up 8.2% 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 BFC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
BFC 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.
BFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.3 | Neutral |
| Stochastic | 68.5 | Neutral |
BFC's weekly RSI is 53 (neutral) and its Stochastic is 68 (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).
BFC PE vs Financial Services Sector
| Metric | BFC | Sector median | Relative |
|---|---|---|---|
| PE | 19x | 13x | 44% above |
| PE % | 89 | 63 | 26 pts above |
BFC 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.
BFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $149.0 | 0.7% above |
| 20 week MA | $151.1 | 0.7% below |
| 50 week MA | $143.2 | 4.8% above |
| 100 week MA | $128.5 | 17% above |
| 200 week MA | $106.1 | 41% above |
BFC 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.
BFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $69.3 | $68.1 | -1.7% |
| 2021 | $68.1 | $70.5 | +3.5% |
| 2022 | $70.5 | $93.0 | +32% |
| 2023 | $93.0 | $86.7 | -6.8% |
| 2024 | $86.7 | $98.7 | +14% |
| 2025 | $98.7 | $126.9 | +29% |
| 2026 YTD | $126.9 | $150.0 | +18% |
BFC 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.