EFSC
Enterprise Financial Services Corp
EFSC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over EFSC overall, supported by stronger fundamentals and stronger valuation.
EFSC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
EFSC'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 EFSC.
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.
EFSC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $40.64 | -35% |
| Fair | 11x | $54.51 | -13% |
| Forward | 11x | $62.38 | — |
| Expensive | 13x | $63.92 | +2.5% |
| Current | 13x | $62.38 | — |
Historical ranges are pointers, not guarantees.
EFSC's PE is in its expensive range at 13x. 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 EFSC in the historical PE scenario, which offers more potential upside but is not a forecast.
EFSC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for EFSC, 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.
EFSC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.92 | +19% |
| Q3 2026 | $4.98 | -2.9% |
| Q2 2026 | $5.03 | -4.4% |
| Q1 2026 | $5.30 | +4.1% |
| Q4 2025 | $5.31 | +9.9% |
| Q3 2025 | $5.13 | +8.9% |
| Q2 2025 | $5.26 | +15% |
| Q1 2025 | $5.09 | +9.2% |
| Q4 2024 | $4.83 | -4.7% |
EFSC earned $4.98 per share over the past year, down 2.9% 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.
EFSC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $187.8M | -9.2% |
| Q2 2026 | $182.2M | +5.1% |
| Q1 2026 | $185.2M | +12% |
| Q4 2025 | $193.6M | +16% |
| Q3 2025 | $206.9M | +25% |
| Q2 2025 | $173.4M | +11% |
| Q1 2025 | $166M | +11% |
| Q4 2024 | $167M | +0.5% |
EFSC's revenue is growing: $188M last quarter, down 9.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | -14 points |
| Q2 2026 | 29% | -8.4 points |
| Q1 2026 | 34% | -2.8 points |
| Q4 2025 | 36% | -0.2 points |
| Q3 2025 | 43% | +4.8 points |
| Q2 2025 | 37% | +0.4 points |
| Q1 2025 | 37% | +3 points |
| Q4 2024 | 36% | +2.9 points |
EFSC 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 EFSC 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.
EFSC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $71.1M | +51% |
| Q2 2026 | $67M | +14% |
| Q1 2026 | $57.5M | +61% |
| Q4 2025 | $39.8M | -21% |
| Q3 2025 | $47.1M | -47% |
| Q2 2025 | $59M | -21% |
| Q1 2025 | $35.6M | +32% |
| Q4 2024 | $50.1M | -33% |
EFSC 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.
EFSC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -337K shares |
| 1 year | -2.6% | -974K shares |
| 3 years | -3.1% | -1.2M shares |
| 5 years | -1.6% | -588K shares |
| Available history | +39% | +10.2M shares |
EFSC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $34M |
| Q2 2026 | $22.8M |
| Q1 2026 | $27.2M |
| Q4 2025 | $3.5M |
| Q3 2025 | — |
| Q2 2025 | $14,000 |
| Q1 2025 | $10.6M |
| Q4 2024 | $11.3M |
EFSC spent $88M buying back its own shares over the past year, about four 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 | — |
EFSC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.9x | Very low |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.9x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.4x | Very low |
| Q1 2025 | 0.6x | Very low |
| Q4 2024 | 0.7x | Very low |
EFSC's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like EFSC.
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 EFSC on leverage, with a lower net debt burden relative to earnings.
EFSC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.1 | Neutral |
| Stochastic | 43.9 | Neutral |
EFSC's weekly RSI is 52 (neutral) and its Stochastic is 44 (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).
EFSC PE vs Financial Services Sector
| Metric | EFSC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.8% below |
| PE % | 78 | 63 | 15 pts above |
EFSC 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.
EFSC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.9 | 2.5% above |
| 20 week MA | $63.4 | 1.6% below |
| 50 week MA | $60.1 | 3.8% above |
| 100 week MA | $57.8 | 7.9% above |
| 200 week MA | $51.1 | 22% above |
EFSC 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.
EFSC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.1 | $35.2 | -27% |
| 2021 | $35.2 | $46.5 | +32% |
| 2022 | $46.5 | $49.1 | +5.6% |
| 2023 | $49.1 | $44.7 | -9.1% |
| 2024 | $44.7 | $56.3 | +26% |
| 2025 | $56.3 | $55.5 | -1.5% |
| 2026 YTD | $55.5 | $62.4 | +12% |
EFSC 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.