ETOR
eToro Group Ltd.
ETOR trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ETOR overall, supported by stronger fundamentals and stronger modeled upside.
ETOR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Healthy | |
| N/A | |
| N/A |
ETOR'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 ETOR.
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.
ETOR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 8.3x | $22.46 | — |
| Forward | 10x | $22.46 | — |
| Cheap | 12x | $31.64 | +41% |
| Fair | 15x | $39.69 | +77% |
| Expensive | 17x | $45.36 | +102% |
Historical ranges are pointers, not guarantees.
ETOR has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
ETOR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect ETOR's earnings, revenue and profitability to hold roughly steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ETOR on the outlook, with more favorable valuation and earnings expectations.
ETOR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.15 | -21% |
| Q2 2026 | $2.71 | +22% |
| Q1 2026 | $2.44 | +6.6% |
| Q4 2025 | $2.30 | -1.7% |
ETOR has the edge over SOFI in the latest year-over-year earnings comparison.
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.
ETOR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $239.5M | -89% |
| Q1 2026 | $268M | -93% |
| Q4 2025 | $3.9B | -34% |
| Q3 2025 | $4.1B | +164% |
| Q2 2025 | $2.1B | +13% |
| Q1 2025 | $3.8B | +11% |
ETOR's revenue has slid since its 2024 peak: $240M last quarter, down 89% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 27% | +25 points |
| Q1 2026 | 37% | +35 points |
| Q4 2025 | 2.2% | +0.5 points |
| Q3 2025 | 1.8% | -1.5 points |
| Q2 2025 | 2% | -0.3 points |
| Q1 2025 | 2% | -0.4 points |
| Q4 2024 | 1.7% | N/A |
| Q3 2024 | 3.2% | N/A |
ETOR 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 ETOR 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.
ETOR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $37.3M | -38% |
| Q1 2026 | $102.2M | +8.4% |
| Q4 2025 | $123.9M | +90% |
| Q3 2025 | $39.9M | -50% |
| Q2 2025 | $59.9M | -17% |
| Q1 2025 | $94.2M | +92% |
ETOR 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.
ETOR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -2.5M shares |
| 1 year | -5.5% | -5.3M shares |
ETOR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $88M |
| Q1 2026 | $101.1M |
| Q4 2025 | — |
| Q3 2025 | $875,000 |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
ETOR spent $190M buying back its own shares over the past year, after none 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 | — |
ETOR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.7x | Net Cash |
| Q1 2026 | -3.1x | Net Cash |
| Q4 2025 | -3.2x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | -3.2x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -11.9x | Net Cash |
ETOR has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
ETOR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 29.6 | Oversold |
| Stochastic | 5.7 | Oversold |
ETOR's weekly RSI is 30 (oversold) and its Stochastic is 6 (oversold).
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).
ETOR PE vs Financial Services Sector
| Metric | ETOR | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 0 | 15 | 15 pts below |
ETOR 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.
ETOR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.3 | 7.4% below |
| 20 week MA | $29.9 | 25% below |
| 50 week MA | $32.8 | 31% below |
SOFI has stronger trend alignment. ETOR is above 0 of 3 weekly averages versus SOFI above 1 of 5.
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.
ETOR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $64.2 | $35.9 | -44% |
| 2026 YTD | $35.9 | $22.5 | -37% |
ETOR 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.