BRO
Brown & Brown, Inc.
BRO trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BRO overall, supported by stronger modeled upside and stronger valuation.
BRO Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
BRO's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BRO.
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.
BRO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $70.55 | — |
| Current | 23x | $70.55 | — |
| Cheap | 24x | $75.13 | +6.5% |
| Fair | 28x | $86.99 | +23% |
| Expensive | 30x | $94.46 | +34% |
Historical ranges are pointers, not guarantees.
BRO's PE is 23x, 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 BRO in the historical PE scenario, which offers more potential upside but is not a forecast.
BRO Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect BRO's profitability to improve, with its earnings and revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BRO on the outlook, with more favorable earnings and revenue expectations.
BRO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.65 | +49% |
| Q3 2026 | $3.12 | -6.6% |
| Q2 2026 | $3.13 | -9.8% |
| Q1 2026 | $3.07 | -14% |
| Q4 2025 | $3.16 | -8.7% |
| Q3 2025 | $3.34 | -8.7% |
| Q2 2025 | $3.47 | 0% |
| Q1 2025 | $3.59 | +11% |
| Q4 2024 | $3.46 | +13% |
BRO earned $3.12 per share over the past year, down 6.6% from the year before. Its recent earnings include one-off gains.
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 BRO on earnings, with more consistent year-over-year improvement.
BRO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.7B | +7.4% |
| Q2 2026 | $1.7B | +30% |
| Q1 2026 | $1.9B | +35% |
| Q4 2025 | $1.6B | +36% |
| Q3 2025 | $1.6B | +35% |
| Q2 2025 | $1.3B | +9.1% |
| Q1 2025 | $1.4B | +12% |
| Q4 2024 | $1.2B | +15% |
BRO's revenue has grown year over year every quarter since late 2020: $1.7B last quarter, up 7.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 19% | -0.8 points |
| Q2 2026 | 23% | -1.3 points |
| Q1 2026 | 28% | -2.4 points |
| Q4 2025 | 20% | -3.3 points |
| Q3 2025 | 19% | -7.4 points |
| Q2 2025 | 24% | -5.2 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 23% | -11 points |
BRO's operating margin was 19% last quarter, down 0.8 points from the same quarter a year ago, near the bottom of its range since 2019.
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 BRO on sales, with stronger typical year-over-year growth.
| 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 BRO on profitability, with a higher operating margin.
BRO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $493M | +9.1% |
| Q2 2026 | $329M | +6.1% |
| Q1 2026 | $241M | +23% |
| Q4 2025 | $424M | +24% |
| Q3 2025 | $452M | +8.4% |
| Q2 2025 | $310M | -7.2% |
| Q1 2025 | $196M | +$196M |
| Q4 2024 | $341M | +24% |
BRO 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.
BRO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -4M shares |
| 1 year | -0.6% | -2M shares |
| 3 years | +17% | +48.7M shares |
| 5 years | +19% | +53.1M shares |
| Available history | +20% | +55.4M shares |
BRO has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $250M |
| Q2 2026 | $250M |
| Q1 2026 | $250M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | $100,000 |
| Q4 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 | — |
BRO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.1x | High |
| Q2 2026 | 4.2x | High |
| Q1 2026 | 4.4x | High |
| Q4 2025 | 4.6x | High |
| Q3 2025 | 4.8x | High |
| Q2 2025 | -1.0x | Net Cash |
| Q1 2025 | 2.2x | Moderate |
| Q4 2024 | 2.3x | Moderate |
BRO's net debt is about 4.1 years of its operating earnings (EBITDA), down from 4.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BRO.
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 BRO on leverage, with a lower net debt burden relative to earnings.
BRO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.2 | Neutral |
| Stochastic | 69.7 | Neutral |
BRO's weekly RSI is 53 (neutral) and its Stochastic is 70 (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).
BRO PE vs Financial Services Sector
| Metric | BRO | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 74% above |
| PE % | 9 | 63 | 54 pts below |
BRO 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.
BRO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $67.3 | 4.8% above |
| 20 week MA | $68.7 | 2.7% above |
| 50 week MA | $68.6 | 2.8% above |
| 100 week MA | $85.8 | 18% below |
| 200 week MA | $82.8 | 15% below |
BRO 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.
BRO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $39.3 | $46.3 | +18% |
| 2021 | $46.3 | $68.0 | +47% |
| 2022 | $68.0 | $56.9 | -16% |
| 2023 | $56.9 | $71.1 | +25% |
| 2024 | $71.1 | $102.9 | +45% |
| 2025 | $102.9 | $80.8 | -21% |
| 2026 YTD | $80.8 | $70.6 | -13% |
BRO 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.