BUSE
First Busey Corporation
BUSE has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BUSE overall, supported by stronger valuation and stronger modeled upside.
BUSE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BUSE's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BUSE.
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.
BUSE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $26.46 | -8.4% |
| Current | 11x | $28.88 | — |
| Forward | 11x | $28.88 | — |
| Fair | 12x | $30.48 | +5.5% |
| Expensive | 14x | $37.62 | +30% |
Historical ranges are pointers, not guarantees.
BUSE's PE is in its fair range at 11.0x. On analysts' estimates for next year's earnings, today's price would be 11.0x.
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 BUSE in the historical PE scenario, which offers more potential upside but is not a forecast.
BUSE Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect BUSE's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BUSE on the outlook, with more favorable valuation and revenue expectations.
BUSE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.64 | +0.3% |
| Q3 2026 | $2.63 | +127% |
| Q2 2026 | $2.60 | +130% |
| Q1 2026 | $2.43 | +125% |
| Q4 2025 | $1.47 | -26% |
| Q3 2025 | $1.16 | -41% |
| Q2 2025 | $1.13 | -42% |
| Q1 2025 | $1.08 | -46% |
| Q4 2024 | $1.98 | -9.2% |
BUSE earned $2.63 per share over the past year, up 127% 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 BUSE on earnings, with more consistent year-over-year improvement.
BUSE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $193.5M | -1.4% |
| Q2 2026 | $196.7M | -0.7% |
| Q1 2026 | $196.2M | +57% |
| Q4 2025 | $200.2M | +71% |
| Q3 2025 | $196.3M | +66% |
| Q2 2025 | $198M | +140% |
| Q1 2025 | $125M | +65% |
| Q4 2024 | $116.8M | +51% |
BUSE's revenue is growing: $194M last quarter, down 1.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -1.9 points |
| Q2 2026 | 42% | +9.1 points |
| Q1 2026 | 32% | +59 points |
| Q4 2025 | 39% | +6.7 points |
| Q3 2025 | 39% | +3.4 points |
| Q2 2025 | 33% | -14 points |
| Q1 2025 | -26% | -72 points |
| Q4 2024 | 32% | -11 points |
BUSE 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'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.
BUSE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $69.3M | +27% |
| Q2 2026 | $39.2M | -15% |
| Q1 2026 | $49.1M | +646% |
| Q4 2025 | $65.8M | +31% |
| Q3 2025 | $54.5M | -7.9% |
| Q2 2025 | $46.1M | +75% |
| Q1 2025 | $6.6M | -82% |
| Q4 2024 | $50.4M | +16% |
BUSE 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.
BUSE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -1.7M shares |
| 1 year | -7.2% | -6.5M shares |
| 3 years | +49% | +27.4M shares |
| 5 years | +47% | +26.9M shares |
| Available history | +52% | +28.6M shares |
BUSE has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $60.2M |
| Q2 2026 | $63.8M |
| Q1 2026 | $66.1M |
| Q4 2025 | $29.8M |
| Q3 2025 | $13.5M |
| Q2 2025 | $21.7M |
| Q1 2025 | $4.8M |
| Q4 2024 | — |
BUSE spent $220M buying back its own shares over the past year, about five 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 | — |
BUSE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.5x | Net Cash |
| Q2 2026 | -1.8x | Net Cash |
| Q1 2026 | 0.0x | Very low |
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -5.3x | Net Cash |
| Q1 2025 | -10.0x | Net Cash |
| Q4 2024 | -2.9x | Net Cash |
BUSE has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
BUSE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.3 | Neutral |
| Stochastic | 9.4 | Oversold |
BUSE's weekly RSI is 49 (neutral) and its Stochastic is 9 (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).
BUSE PE vs Financial Services Sector
| Metric | BUSE | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 35 | 63 | 28 pts below |
BUSE 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.
BUSE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.4 | 1.6% below |
| 20 week MA | $29.9 | 3.5% below |
| 50 week MA | $27.5 | 4.9% above |
| 100 week MA | $25.2 | 14% above |
| 200 week MA | $24.0 | 20% above |
BUSE 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.
BUSE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.6 | $21.4 | -22% |
| 2021 | $21.4 | $27.0 | +26% |
| 2022 | $27.0 | $25.0 | -7.4% |
| 2023 | $25.0 | $24.8 | -0.7% |
| 2024 | $24.8 | $23.7 | -4.4% |
| 2025 | $23.7 | $24.4 | +2.9% |
| 2026 YTD | $24.4 | $28.9 | +18% |
BUSE 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.