BMO
Bank of Montreal
BMO has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BMO overall, supported by stronger modeled upside and stronger valuation.
BMO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BMO's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BMO.
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.
BMO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $75.31 | -56% |
| Fair | 13x | $118 | -32% |
| Expensive | 17x | $151 | -13% |
| Current | 19x | $173 | — |
Historical ranges are pointers, not guarantees.
BMO's PE is 19x, 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 BMO in the historical PE scenario, which offers more potential upside but is not a forecast.
BMO Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BMO, 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.
BMO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $9.12 | +20% |
| Q1 2026 | $8.42 | +13% |
| Q4 2025 | $8.03 | +20% |
| Q3 2025 | $8.04 | +32% |
| Q2 2025 | $7.57 | +30% |
| Q1 2025 | $7.47 | +48% |
| Q4 2024 | $6.69 | +71% |
| Q3 2024 | $6.07 | -14% |
BMO has the stronger earnings trend. Trailing diluted EPS is up 20% for BMO versus SOFI flat.
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.
BMO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $13.6B | +0.2% |
| Q1 2026 | $13.6B | -5.5% |
| Q4 2025 | $13.6B | -2.4% |
| Q3 2025 | $13.5B | -6.2% |
| Q2 2025 | $13.5B | -1.7% |
| Q1 2025 | $14.4B | +8.8% |
| Q4 2024 | $13.9B | +4% |
| Q3 2024 | $14.4B | +14% |
SOFI has the stronger quarterly revenue trend. Revenue is up 0.2% for BMO versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 18% | +4.6 points |
| Q1 2026 | 17% | +3.4 points |
| Q4 2025 | 16% | +0.5 points |
| Q3 2025 | 16% | +4.1 points |
| Q2 2025 | 14% | +1.2 points |
| Q1 2025 | 14% | +5 points |
| Q4 2024 | 15% | +3.8 points |
| Q3 2024 | 12% | +0.9 points |
BMO's operating margin was 18% last quarter, up 4.6 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'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.
BMO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $6.1B | +$8.6B |
| Q1 2026 | $995.5M | -68% |
| Q4 2025 | $8.6B | +187% |
| Q3 2025 | -$3.2B | -386% |
| Q2 2025 | -$2.6B | -199% |
| Q1 2025 | $3.2B | -71% |
| Q4 2024 | $3B | +42% |
| Q3 2024 | $1.1B | -84% |
BMO has the stronger cash trend. Its trailing FCF is down 25% 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.
BMO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | -2.2% | -16.3M shares |
| 3 years | -0.4% | -2.6M shares |
| 5 years | +9.6% | +62.1M shares |
| Available history | +11% | +69.7M shares |
BMO has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $815.5M |
| Q1 2026 | $1.6B |
| Q4 2025 | $972.3M |
| Q3 2025 | $625M |
| Q2 2025 | $677M |
| Q1 2025 | $337.5M |
| Q4 2024 | — |
| Q3 2024 | — |
BMO spent $4B buying back its own shares over the past year, about four times what it spent 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 | — |
BMO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 6.6x | High |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 25.1x | High |
| Q3 2025 | 24.2x | High |
| Q2 2025 | 25.0x | High |
| Q1 2025 | 24.7x | High |
| Q4 2024 | 26.2x | High |
| Q3 2024 | 27.6x | High |
BMO's net debt is about 6.6 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 BMO.
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.
BMO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.6 | Neutral |
| Stochastic | 44.0 | Neutral |
BMO's weekly RSI is 58 (neutral) and its Stochastic is 44 (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).
BMO PE vs Financial Services Sector
| Metric | BMO | Sector median | Relative |
|---|---|---|---|
| PE | 19x | 13x | 46% above |
| PE % | 94 | 63 | 31 pts above |
BMO 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.
BMO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $169.0 | 2.3% above |
| 20 week MA | $174.1 | 0.7% below |
| 50 week MA | $156.8 | 10% above |
| 100 week MA | $132.9 | 30% above |
| 200 week MA | $111.4 | 55% above |
BMO 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.
BMO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $77.2 | $75.9 | -1.7% |
| 2021 | $75.9 | $105.9 | +40% |
| 2022 | $105.9 | $90.3 | -15% |
| 2023 | $90.3 | $98.9 | +9.6% |
| 2024 | $98.9 | $97.1 | -1.9% |
| 2025 | $97.1 | $130.9 | +35% |
| 2026 YTD | $130.9 | $172.9 | +32% |
BMO 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.