CATY
Cathay General Bancorp
CATY has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CATY overall, supported by stronger valuation and stronger modeled upside.
CATY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CATY's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CATY.
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.
CATY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $42.03 | -36% |
| Fair | 11x | $58.42 | -10% |
| Forward | 11x | $65.27 | — |
| Expensive | 12x | $65.49 | +0.3% |
| Current | 12x | $65.27 | — |
Historical ranges are pointers, not guarantees.
CATY's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, 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 CATY in the historical PE scenario, which offers more potential upside but is not a forecast.
CATY Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CATY, 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.
CATY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.09 | +12% |
| Q3 2026 | $5.42 | +25% |
| Q2 2026 | $5.12 | +24% |
| Q1 2026 | $4.85 | +23% |
| Q4 2025 | $4.54 | +15% |
| Q3 2025 | $4.32 | +8.8% |
| Q2 2025 | $4.13 | -0.7% |
| Q1 2025 | $3.95 | -13% |
| Q4 2024 | $3.95 | -19% |
CATY earned $5.42 per share over the past year, up 25% 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 earned $0.56 per share over the past year, about the same as the year before.
CATY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $254.6M | +21% |
| Q2 2026 | $222.3M | +13% |
| Q1 2026 | $214.8M | +14% |
| Q4 2025 | $222.8M | +19% |
| Q3 2025 | $210.6M | +11% |
| Q2 2025 | $196.6M | +10% |
| Q1 2025 | $187.8M | +7.2% |
| Q4 2024 | $186.5M | -9.1% |
CATY's revenue has grown year over year for seven quarters in a row: $255M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +3.6 points |
| Q2 2026 | 53% | +4.5 points |
| Q1 2026 | 51% | +5 points |
| Q4 2025 | 51% | +4.4 points |
| Q3 2025 | 45% | +3.3 points |
| Q2 2025 | 49% | +8.3 points |
| Q1 2025 | 46% | +0.5 points |
| Q4 2024 | 47% | +1.2 points |
CATY 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 CATY 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.
CATY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $80.7M | -46% |
| Q2 2026 | $233.5M | +272% |
| Q1 2026 | $96M | -0.2% |
| Q4 2025 | $54.6M | -36% |
| Q3 2025 | $150.1M | +88% |
| Q2 2025 | $62.7M | -13% |
| Q1 2025 | $96.3M | +10% |
| Q4 2024 | $85.8M | +34% |
CATY 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.
CATY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -543K shares |
| 1 year | -3.2% | -2.2M shares |
| 3 years | -8.4% | -6.1M shares |
| 5 years | -15% | -11.4M shares |
| Available history | -17% | -13.5M shares |
CATY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | $16,000 |
| Q3 2023 | $9,000 |
| Q2 2023 | $44,000 |
| Q1 2023 | $16.7M |
| Q4 2022 | $31.5M |
| Q3 2022 | $46.3M |
| Q2 2022 | $30.6M |
| Q1 2022 | $32.9M |
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 | — |
CATY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | -0.1x | Net Cash |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
CATY has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CATY.
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 CATY on leverage, with a lower net debt burden relative to earnings.
CATY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.4 | Neutral |
| Stochastic | 73.4 | Neutral |
CATY's weekly RSI is 65 (neutral) and its Stochastic is 73 (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).
CATY PE vs Financial Services Sector
| Metric | CATY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 82 | 63 | 19 pts above |
CATY 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.
CATY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.5 | 4.5% above |
| 20 week MA | $62.6 | 4.3% above |
| 50 week MA | $56.9 | 15% above |
| 100 week MA | $51.3 | 27% above |
| 200 week MA | $45.2 | 45% above |
CATY 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.
CATY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.1 | $31.5 | -17% |
| 2021 | $31.5 | $42.3 | +34% |
| 2022 | $42.3 | $41.1 | -2.9% |
| 2023 | $41.1 | $44.6 | +8.4% |
| 2024 | $44.6 | $48.0 | +7.8% |
| 2025 | $48.0 | $50.0 | +4.1% |
| 2026 YTD | $50.0 | $65.3 | +31% |
CATY 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.