BHF
Brighthouse Financial, Inc.
BHF trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BHF overall, supported by stronger fundamentals and stronger modeled upside.
BHF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
BHF's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BHF.
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.
BHF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 1.7x | $16.67 | -62% |
| Forward | 2.4x | $44.10 | — |
| Fair | 4.4x | $43.35 | -1.7% |
| Current | 4.5x | $44.10 | — |
| Expensive | 7.2x | $70.02 | +59% |
Historical ranges are pointers, not guarantees.
BHF's PE is in its fair range at 4.5x. On analysts' estimates for next year's earnings, today's price would be 2.4x, 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 BHF in the historical PE scenario, which offers more potential upside but is not a forecast.
BHF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Weakening | |
| Limited | |
| Low |
Analysts expect BHF's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BHF on the outlook, with more favorable earnings and revenue expectations.
BHF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $18.60 | +91% |
| Q3 2026 | $9.76 | -31% |
| Q2 2026 | $12.44 | +43% |
| Q1 2026 | -$3.07 | -139% |
| Q4 2025 | $5.71 | +23% |
| Q3 2025 | $14.14 | +$34.47 |
| Q2 2025 | $8.72 | +$24.63 |
| Q1 2025 | $7.82 | +$26.86 |
| Q4 2024 | $4.64 | +$23.18 |
BHF 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.
BHF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $853M | -53% |
| Q2 2026 | $1.6B | +86% |
| Q1 2026 | $1.5B | -36% |
| Q4 2025 | $1.7B | +40% |
| Q3 2025 | $1.8B | -10% |
| Q2 2025 | $871M | -39% |
| Q1 2025 | $2.4B | +3130% |
| Q4 2024 | $1.2B | -14% |
BHF's revenue has slid since its 2020 peak: $853M last quarter, down 53% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +15 points |
| Q2 2026 | 76% | +65 points |
| Q1 2026 | -65% | -50 points |
| Q4 2025 | 8.9% | -60 points |
| Q3 2025 | 32% | +23 points |
| Q2 2025 | 11% | +9.7 points |
| Q1 2025 | -15% | +815 points |
| Q4 2024 | 69% | +153 points |
BHF 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 BHF 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.
BHF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$476M | -507% |
| Q2 2026 | -$431M | -$430M |
| Q1 2026 | -$221M | -251% |
| Q4 2025 | -$3M | +$115M |
| Q3 2025 | $117M | +388% |
| Q2 2025 | -$1M | -100% |
| Q1 2025 | $146M | +$676M |
| Q4 2024 | -$118M | -178% |
BHF has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
BHF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +41.8K shares |
| 1 year | +0.6% | +369K shares |
| 3 years | -12% | -7.9M shares |
| 5 years | -30% | -25.4M shares |
| Available history | -49% | -54.6M shares |
BHF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $43M |
| Q1 2025 | $59M |
| Q4 2024 | $60M |
BHF hasn't bought back shares in the past year.
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 | — |
BHF 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.
BHF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 27.9 | Oversold |
| Stochastic | 10.5 | Oversold |
BHF's weekly RSI is 28 (oversold) and its Stochastic is 11 (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).
BHF PE vs Financial Services Sector
| Metric | BHF | Sector median | Relative |
|---|---|---|---|
| PE | 4.5x | 13x | 65% below |
| PE % | 52 | 63 | 11 pts below |
BHF 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.
BHF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.0 | 6.1% below |
| 20 week MA | $53.7 | 18% below |
| 50 week MA | $59.1 | 25% below |
| 100 week MA | $56.6 | 22% below |
| 200 week MA | $52.3 | 16% below |
BHF is in a downtrend: it's below all five of its weekly moving averages, and 16% below its 200-week average.
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 the edge over BHF on trend strength, trading above more of its moving averages.
BHF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $39.5 | $35.4 | -10% |
| 2021 | $35.4 | $52.2 | +47% |
| 2022 | $52.2 | $51.1 | -2.1% |
| 2023 | $51.1 | $52.9 | +3.5% |
| 2024 | $52.9 | $48.2 | -8.9% |
| 2025 | $48.2 | $64.9 | +34% |
| 2026 YTD | $64.9 | $44.1 | -32% |
BHF 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.