CGBD
Carlyle Secured Lending, Inc.
CGBD has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CGBD overall, supported by stronger valuation and stronger fundamentals.
CGBD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Healthy | |
| N/A | |
| N/A |
CGBD's profitability is currently healthy, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like CGBD.
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.
CGBD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.5x | $2.84 | -75% |
| Forward | 7.6x | $11.18 | — |
| Fair | 10x | $5.27 | -53% |
| Expensive | 12x | $6.15 | -45% |
| Current | 22x | $11.18 | — |
Historical ranges are pointers, not guarantees.
CGBD's PE is in its expensive range at 22x. On analysts' estimates for next year's earnings, today's price would be 7.6x, in its cheap 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 CGBD in the historical PE scenario, which offers more potential upside but is not a forecast.
CGBD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect CGBD'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 CGBD on the outlook, with more favorable earnings and revenue expectations.
CGBD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.47 | +183% |
| Q3 2026 | $0.52 | -55% |
| Q2 2026 | $0.50 | -58% |
| Q1 2026 | $0.70 | -47% |
| Q4 2025 | $1.01 | -36% |
| Q3 2025 | $1.16 | -33% |
| Q2 2025 | $1.18 | -38% |
| Q1 2025 | $1.31 | -21% |
| Q4 2024 | $1.58 | -3.7% |
CGBD's earnings per share have fallen from their peak: $0.52 over the past year, against $2.78 in late 2021.
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 CGBD on earnings, with more consistent year-over-year improvement.
CGBD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $15.8M | -70% |
| Q1 2022 | $40.4M | -10% |
| Q4 2021 | $43.7M | -9.4% |
| Q3 2021 | $57.5M | +32% |
| Q2 2021 | $52.5M | -23% |
| Q4 2020 | $48.2M | +15% |
SOFI has the stronger quarterly revenue trend. Revenue is down 70% for CGBD versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | 31% | -51 points |
| Q1 2022 | 77% | -3.2 points |
| Q4 2021 | 79% | -0.6 points |
| Q3 2021 | 83% | +5.2 points |
| Q2 2021 | 82% | -0.8 points |
| Q1 2021 | 80% | N/A |
| Q4 2020 | 79% | +15 points |
| Q3 2020 | 78% | N/A |
CGBD's operating margin was 31% last quarter, down 51 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'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.
CGBD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $36.2M | +7.1% |
| Q2 2026 | $73.6M | +$304.5M |
| Q1 2026 | $212.4M | +46% |
| Q4 2025 | -$153.3M | -$42.1M |
| Q3 2025 | $33.8M | -46% |
| Q2 2025 | -$230.9M | -423% |
| Q1 2025 | $145.8M | +80% |
| Q4 2024 | -$111.1M | -299% |
CGBD 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.
CGBD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -727K shares |
| 1 year | -5.6% | -4.1M shares |
| 3 years | +23% | +12.8M shares |
| 5 years | +16% | +9.6M shares |
| Available history | +17% | +10M shares |
CGBD has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.1M |
| Q2 2026 | $12.5M |
| Q1 2026 | $18.5M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
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 | — |
CGBD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | 8.9x | High |
| Q1 2022 | 6.0x | High |
| Q4 2021 | 6.3x | High |
| Q3 2021 | 6.1x | High |
| Q2 2021 | 6.1x | High |
| Q1 2021 | 5.5x | High |
| Q4 2020 | 97.7x | High |
| Q4 2019 | 17.9x | High |
CGBD's net debt is about 8.9 years of its operating earnings (EBITDA), up from 6.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CGBD.
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.
CGBD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.9 | Neutral |
| Stochastic | 50.2 | Neutral |
CGBD's weekly RSI is 52 (neutral) and its Stochastic is 50 (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).
CGBD PE vs Financial Services Sector
| Metric | CGBD | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 13x | 65% above |
| PE % | 90 | 63 | 27 pts above |
CGBD 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.
CGBD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.8 | 3.9% above |
| 20 week MA | $10.9 | 2.6% above |
| 50 week MA | $11.4 | 1.5% below |
| 100 week MA | $13.1 | 15% below |
| 200 week MA | $14.4 | 22% below |
CGBD 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.
CGBD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.2 | $11.1 | -22% |
| 2021 | $11.1 | $14.0 | +27% |
| 2022 | $14.0 | $14.8 | +5.2% |
| 2023 | $14.8 | $15.0 | +1.4% |
| 2024 | $15.0 | $18.3 | +22% |
| 2025 | $18.3 | $12.6 | -31% |
| 2026 YTD | $12.6 | $11.2 | -11% |
CGBD 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.