CSWC
Capital Southwest Corporation
CSWC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CSWC overall, supported by stronger valuation and stronger modeled upside.
CSWC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CSWC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CSWC.
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.
CSWC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $15.26 | -35% |
| Forward | 9.8x | $23.50 | — |
| Fair | 11x | $18.28 | -22% |
| Current | 14x | $23.50 | — |
| Expensive | 15x | $25.07 | +6.7% |
Historical ranges are pointers, not guarantees.
CSWC's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 9.8x, 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 CSWC in the historical PE scenario, which offers more potential upside but is not a forecast.
CSWC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect CSWC's revenue to grow, but its profitability to weaken.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CSWC on the outlook, with more favorable earnings and profitability expectations.
CSWC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.39 | +41% |
| Q3 2026 | $1.70 | +5.6% |
| Q2 2026 | $1.81 | -1.1% |
| Q1 2026 | $1.90 | -4% |
| Q4 2025 | $1.81 | -21% |
| Q3 2025 | $1.61 | -39% |
| Q2 2025 | $1.83 | -32% |
| Q1 2025 | $1.98 | -27% |
| Q4 2024 | $2.30 | -14% |
CSWC's earnings per share have fallen from their peak: $1.70 over the past year, against $2.94 in mid-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 CSWC on earnings, with more consistent year-over-year improvement.
CSWC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $13.9M | -44% |
| Q1 2022 | $30M | +49% |
| Q4 2021 | $23.7M | -12% |
| Q3 2021 | $24.1M | -6.4% |
| Q2 2021 | $25.1M | +42% |
| Q4 2020 | $26.9M | +374% |
SOFI has the stronger quarterly revenue trend. Revenue is down 44% for CSWC versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | 29% | -35 points |
| Q1 2022 | 70% | +13 points |
| Q4 2021 | 56% | -9.4 points |
| Q3 2021 | -13% | -79 points |
| Q2 2021 | 64% | +8.6 points |
| Q1 2021 | 56% | N/A |
| Q4 2020 | 65% | +108 points |
| Q3 2020 | 66% | N/A |
CSWC's operating margin was 29% last quarter, down 35 points from the same quarter a year ago.
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.
CSWC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$193.1M | -$121.8M |
| Q2 2026 | -$80.9M | -366% |
| Q1 2026 | -$59.2M | -$64K |
| Q4 2025 | -$93.6M | +$72.9M |
| Q3 2025 | -$71.3M | -$47M |
| Q2 2025 | $30.4M | -2.4% |
| Q1 2025 | -$59.1M | +$43M |
| Q4 2024 | -$166.6M | -1025% |
CSWC has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
CSWC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.6% | +2.5M shares |
| 1 year | +13% | +8.2M shares |
| 3 years | +84% | +33.3M shares |
| 5 years | +224% | +50.5M shares |
| Available history | +304% | +54.9M shares |
CSWC has 73M diluted shares, up 13% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | $236,000 |
| Q3 2020 | — |
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 the edge over CSWC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
CSWC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | 15.0x | High |
| Q1 2022 | 10.5x | High |
| Q4 2021 | 12.3x | High |
| Q3 2021 | 10.1x | High |
| Q2 2021 | 6.8x | High |
| Q1 2021 | 6.1x | High |
| Q4 2020 | 15.6x | High |
| Q3 2020 | 215.5x | High |
CSWC's net debt is about 15 years of its operating earnings (EBITDA), up from 6.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CSWC.
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.
CSWC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.1 | Neutral |
| Stochastic | 33.9 | Neutral |
CSWC's weekly RSI is 50 (neutral) and its Stochastic is 34 (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).
CSWC PE vs Financial Services Sector
| Metric | CSWC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.1% above |
| PE % | 76 | 63 | 13 pts above |
CSWC 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.
CSWC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.2 | 1.3% above |
| 20 week MA | $23.9 | 1.5% below |
| 50 week MA | $23.2 | 1.2% above |
| 100 week MA | $22.5 | 4.5% above |
| 200 week MA | $22.5 | 4.3% above |
CSWC 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.
CSWC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.0 | $16.6 | -21% |
| 2021 | $16.6 | $25.3 | +53% |
| 2022 | $25.3 | $17.3 | -32% |
| 2023 | $17.3 | $23.7 | +37% |
| 2024 | $23.7 | $21.6 | -8.9% |
| 2025 | $21.6 | $21.9 | +1.6% |
| 2026 YTD | $21.9 | $23.5 | +7.2% |
CSWC 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.