BY
Byline Bancorp, Inc.
BY has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BY overall, supported by stronger valuation and stronger modeled upside.
BY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BY'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 BY.
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.
BY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.5x | $29.37 | -25% |
| Fair | 11x | $36.15 | -7.5% |
| Current | 11x | $39.07 | — |
| Forward | 11x | $39.07 | — |
| Expensive | 12x | $42.67 | +9.2% |
Historical ranges are pointers, not guarantees.
BY's PE is in its expensive range at 11.4x. On analysts' estimates for next year's earnings, today's price would be 11.2x, in its fair 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 BY in the historical PE scenario, which offers more potential upside but is not a forecast.
BY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BY, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BY on the outlook, with more favorable valuation expectations.
BY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.48 | +1.2% |
| Q3 2026 | $3.44 | +23% |
| Q2 2026 | $3.32 | +24% |
| Q1 2026 | $3.08 | +14% |
| Q4 2025 | $2.89 | +5.1% |
| Q3 2025 | $2.80 | +1.8% |
| Q2 2025 | $2.67 | -1.5% |
| Q1 2025 | $2.69 | -1.5% |
| Q4 2024 | $2.75 | +3% |
BY 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.
BY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $121M | +4.6% |
| Q2 2026 | $117.7M | +6.6% |
| Q1 2026 | $112.4M | +9% |
| Q4 2025 | $117M | +12% |
| Q3 2025 | $115.7M | +14% |
| Q2 2025 | $110.5M | +11% |
| Q1 2025 | $103.1M | +2% |
| Q4 2024 | $104.7M | +3.9% |
BY's revenue has grown year over year for eight quarters in a row: $121M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +1.9 points |
| Q2 2026 | 46% | +11 points |
| Q1 2026 | 44% | +7.8 points |
| Q4 2025 | 40% | +1.5 points |
| Q3 2025 | 43% | +3.8 points |
| Q2 2025 | 35% | -5.1 points |
| Q1 2025 | 36% | -3.8 points |
| Q4 2024 | 39% | -1.1 points |
BY 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 BY 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'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.
BY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $61.7M | +63% |
| Q2 2026 | $13.2M | -13% |
| Q1 2026 | $54.1M | +116% |
| Q4 2025 | $58.1M | +14% |
| Q3 2025 | $38M | +98% |
| Q2 2025 | $15.2M | -61% |
| Q1 2025 | $25M | -59% |
| Q4 2024 | $50.8M | +$56.8M |
BY 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.
BY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -247K shares |
| 1 year | -1.8% | -831K shares |
| 3 years | +2.5% | +1.1M shares |
| 5 years | +17% | +6.5M shares |
| Available history | +17% | +6.6M shares |
BY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $20.2M |
| Q2 2026 | $9.1M |
| Q1 2026 | $9.8M |
| Q4 2025 | $9.8M |
| Q3 2025 | $193,000 |
| Q2 2025 | $13.1M |
| Q1 2025 | $687,000 |
| Q4 2023 | — |
BY spent $49M buying back its own shares over 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 | — |
BY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | 3.5x | Elevated |
| Q1 2026 | 4.2x | High |
| Q4 2025 | 3.9x | Elevated |
| Q3 2025 | 3.3x | Elevated |
| Q2 2025 | 4.0x | High |
| Q1 2025 | 4.8x | High |
| Q4 2024 | 4.3x | High |
BY's net debt is about 1.6 years of its operating earnings (EBITDA), down from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BY.
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 BY on leverage, with a lower net debt burden relative to earnings.
BY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.6 | Neutral |
| Stochastic | 64.4 | Neutral |
BY's weekly RSI is 63 (neutral) and its Stochastic is 64 (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).
BY PE vs Financial Services Sector
| Metric | BY | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 67 | 63 | 4 pts above |
BY 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.
BY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.9 | 3.2% above |
| 20 week MA | $38.2 | 2.4% above |
| 50 week MA | $34.5 | 13% above |
| 100 week MA | $30.9 | 26% above |
| 200 week MA | $26.8 | 46% above |
BY 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.
BY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.3 | $15.4 | -20% |
| 2021 | $15.4 | $26.9 | +74% |
| 2022 | $26.9 | $22.9 | -15% |
| 2023 | $22.9 | $23.6 | +2.8% |
| 2024 | $23.6 | $29.0 | +23% |
| 2025 | $29.0 | $29.7 | +2.6% |
| 2026 YTD | $29.7 | $39.1 | +32% |
BY 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.