EFSI
Eagle Financial Services, Inc.
EFSI has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over EFSI overall, supported by stronger modeled upside and stronger valuation.
EFSI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EFSI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EFSI.
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.
EFSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $29.71 | -35% |
| Fair | 10x | $34.48 | -25% |
| Expensive | 13x | $42.55 | -7.5% |
| Forward | 13x | $46.00 | — |
| Current | 14x | $46.00 | — |
Historical ranges are pointers, not guarantees.
EFSI's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 13x.
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 EFSI in the historical PE scenario, which offers more potential upside but is not a forecast.
EFSI Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect EFSI'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 EFSI on the outlook, with more favorable valuation and earnings expectations.
EFSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.42 | +3.8% |
| Q3 2026 | $3.30 | +48% |
| Q2 2026 | $3.46 | +60% |
| Q1 2026 | $3.52 | +70% |
| Q4 2025 | $1.30 | -70% |
| Q3 2025 | $2.23 | -32% |
| Q2 2025 | $2.16 | -27% |
| Q1 2025 | $2.07 | -22% |
| Q4 2024 | $4.32 | +62% |
EFSI earned $3.30 per share over the past year, up 48% 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 has the edge over EFSI on earnings, with more consistent year-over-year improvement.
EFSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.9M | +2.5% |
| Q2 2026 | $25.6M | +24% |
| Q1 2026 | $20.8M | +336% |
| Q4 2025 | $21.7M | -1.3% |
| Q3 2025 | $22.4M | +21% |
| Q2 2025 | $20.6M | +25% |
| Q1 2025 | $4.8M | -70% |
| Q4 2024 | $22M | +38% |
EFSI's revenue has picked up after two years of holding roughly level: $23M last quarter, up 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | -5.8 points |
| Q2 2026 | 26% | -6.2 points |
| Q1 2026 | 22% | +211 points |
| Q4 2025 | 25% | -12 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 32% | +8.9 points |
| Q1 2025 | -189% | -208 points |
| Q4 2024 | 37% | +23 points |
EFSI 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 EFSI 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.
EFSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.4M | +225% |
| Q2 2026 | -$12.8M | -656% |
| Q1 2026 | $4.1M | -22% |
| Q4 2025 | $9M | +48% |
| Q3 2025 | $7.8M | +7.5% |
| Q2 2025 | $2.3M | +$4.5M |
| Q1 2025 | $5.3M | -21% |
| Q4 2024 | $6M | +$12M |
EFSI 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.
EFSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -384 shares |
| 1 year | +0.7% | +35.3K shares |
| 3 years | +53% | +1.9M shares |
| 5 years | +58% | +2M shares |
| Available history | +57% | +2M shares |
EFSI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 | — |
EFSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.6x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | 0.8x | Very low |
EFSI's net debt is less than a year of its operating earnings (EBITDA), down from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EFSI.
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 EFSI on leverage, with a lower net debt burden relative to earnings.
EFSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.9 | Neutral |
| Stochastic | 70.7 | Neutral |
EFSI's weekly RSI is 63 (neutral) and its Stochastic is 71 (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).
EFSI PE vs Financial Services Sector
| Metric | EFSI | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.1% above |
| PE % | 86 | 63 | 23 pts above |
EFSI 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.
EFSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 0.3% above |
| 20 week MA | $43.7 | 5.2% above |
| 50 week MA | $40.5 | 14% above |
| 100 week MA | $37.3 | 23% above |
| 200 week MA | $34.7 | 33% above |
EFSI 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.
EFSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.1 | $29.5 | -5% |
| 2021 | $29.5 | $34.6 | +17% |
| 2022 | $34.6 | $36.0 | +4.1% |
| 2023 | $36.0 | $30.0 | -17% |
| 2024 | $30.0 | $36.4 | +21% |
| 2025 | $36.4 | $40.3 | +11% |
| 2026 YTD | $40.3 | $46.0 | +14% |
EFSI 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.