CRD-A
Crawford & Company
There isn't enough reported data to score CRD-A yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
CRD-A Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
CRD-A's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CRD-A.
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.
CRD-A PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $12.00 | — |
| Cheap | 12x | $8.64 | -28% |
| Fair | 19x | $13.43 | +12% |
| Current | 22x | $12.00 | — |
| Expensive | 29x | $21.04 | +75% |
Historical ranges are pointers, not guarantees.
CRD-A's PE is 22x, 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 CRD-A in the historical PE scenario, which offers more potential upside but is not a forecast.
CRD-A Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CRD-A'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 CRD-A on the outlook, with more favorable revenue expectations.
CRD-A Earnings Per Share
CRD-A and SOFI do not have enough comparable growth data to identify a winner.
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.
CRD-A Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $329.9M | -0.9% |
| Q2 2026 | $330M | -1.4% |
| Q1 2026 | $320.1M | -1% |
| Q4 2025 | $320.1M | -11% |
| Q3 2025 | $332.8M | -2.9% |
| Q2 2025 | $334.6M | +2.4% |
| Q1 2025 | $323.3M | +3.3% |
| Q4 2024 | $358.3M | +12% |
CRD-A's revenue grew through 2022 and has held roughly level since: $330M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 7.3% | +1.1 points |
| Q2 2026 | 6.4% | +1.6 points |
| Q1 2026 | 2.9% | -0.7 points |
| Q4 2025 | -1.3% | -4.6 points |
| Q3 2025 | 6.2% | +1.2 points |
| Q2 2025 | 4.8% | +0.1 points |
| Q1 2025 | 3.6% | +1.6 points |
| Q4 2024 | 3.4% | +3.2 points |
CRD-A's operating margin was 7.3% last quarter, up 1.1 points from the same quarter a year ago, near the top 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 CRD-A 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 has the edge over CRD-A on profitability, with a higher operating margin.
CRD-A Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5M | -83% |
| Q2 2026 | $18.6M | -45% |
| Q1 2026 | $1.4M | +$16.3M |
| Q4 2025 | $46.9M | +26% |
| Q3 2025 | $29.3M | +65% |
| Q2 2025 | $33.6M | +188% |
| Q1 2025 | -$14.9M | +$6.4M |
| Q4 2024 | $37.3M | +9.1% |
CRD-A 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.
CRD-A Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -947K shares |
| 1 year | -3.2% | -1.6M shares |
| 3 years | -2.5% | -1.2M shares |
| 5 years | -10% | -5.4M shares |
| Available history | -10% | -5.5M shares |
CRD-A has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13.5M |
| Q2 2026 | $3.5M |
| Q1 2026 | $5.5M |
| Q4 2025 | $7.6M |
| Q3 2025 | $3M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $263,000 |
CRD-A spent $30M buying back its own shares over the past year, about nine 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 | — |
CRD-A Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.7x | Healthy |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.5x | Healthy |
| Q2 2025 | 1.8x | Healthy |
| Q1 2025 | 2.0x | Moderate |
| Q4 2024 | 1.9x | Healthy |
CRD-A's net debt is about 1.6 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like CRD-A.
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 CRD-A on leverage, with a lower net debt burden relative to earnings.
CRD-A Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.4 | Neutral |
| Stochastic | 37.5 | Neutral |
CRD-A's weekly RSI is 50 (neutral) and its Stochastic is 37 (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).
CRD-A PE vs Financial Services Sector
| Metric | CRD-A | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 13x | 65% above |
| PE % | 63 | 63 | Same percentile |
CRD-A 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.
CRD-A Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.3 | 2.7% below |
| 20 week MA | $12.3 | 2.3% below |
| 50 week MA | $11.3 | 5.9% above |
| 100 week MA | $11.1 | 7.9% above |
| 200 week MA | $10.5 | 14% above |
CRD-A 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.
CRD-A Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.1 | $7.49 | -33% |
| 2021 | $7.49 | $7.51 | +0.3% |
| 2022 | $7.51 | $5.55 | -26% |
| 2023 | $5.55 | $13.2 | +137% |
| 2024 | $13.2 | $11.5 | -13% |
| 2025 | $11.5 | $11.9 | +3.6% |
| 2026 YTD | $11.9 | $12.0 | +1.1% |
CRD-A 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.