FCAP
First Capital, Inc.
FCAP trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FCAP overall, supported by stronger valuation and stronger modeled upside.
FCAP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FCAP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCAP.
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.
FCAP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $43.83 | -34% |
| Fair | 11x | $62.24 | -5.7% |
| Current | 12x | $66.00 | — |
| Expensive | 17x | $97.27 | +47% |
Historical ranges are pointers, not guarantees.
FCAP's PE is in its fair range at 12x.
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 FCAP in the historical PE scenario, which offers more potential upside but is not a forecast.
FCAP Forward outlook
There aren't enough analyst estimates for FCAP to show an outlook.
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.
FCAP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $5.72 | +30% |
| Q2 2026 | $5.53 | +40% |
| Q1 2026 | $5.23 | +43% |
| Q4 2025 | $4.90 | +37% |
| Q3 2025 | $4.41 | +25% |
| Q2 2025 | $3.94 | +9.4% |
| Q1 2025 | $3.66 | +2.5% |
| Q4 2024 | $3.57 | -6.8% |
FCAP has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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.
FCAP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $14.8M | +12% |
| Q2 2026 | $14.3M | +15% |
| Q1 2026 | $13.5M | +18% |
| Q4 2025 | $13.5M | +19% |
| Q3 2025 | $13.3M | +21% |
| Q2 2025 | $12.4M | +16% |
| Q1 2025 | $11.4M | +8.9% |
| Q4 2024 | $11.3M | +9.3% |
FCAP's revenue has grown year over year for 10 quarters in a row: $15M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | +1 points |
| Q2 2026 | 42% | +4.8 points |
| Q1 2026 | 40% | +5.6 points |
| Q3 2025 | 42% | +10 points |
| Q2 2025 | 37% | +6.2 points |
| Q1 2025 | 34% | +1.2 points |
| Q4 2024 | 35% | +0.2 points |
| Q3 2024 | 31% | -4 points |
FCAP 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 FCAP on sales, with stronger typical year-over-year growth.
| 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.
FCAP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.8M | -13% |
| Q2 2026 | $3.5M | +2.7% |
| Q1 2026 | $5.9M | +40% |
| Q4 2025 | $4.5M | +21% |
| Q3 2025 | $7.8M | +3.7% |
| Q2 2025 | $3.5M | +3.8% |
| Q1 2025 | $4.2M | -41% |
| Q4 2024 | $3.7M | +385% |
FCAP 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.
FCAP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +748 shares |
| 1 year | -0.2% | -5.7K shares |
| 3 years | -0.4% | -14.6K shares |
| 5 years | -0.3% | -8.8K shares |
| Available history | -0.1% | -3.6K shares |
FCAP has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $517,000 |
| Q3 2025 | $52,000 |
| Q2 2025 | — |
| Q1 2025 | $9,000 |
| Q4 2024 | — |
| Q3 2024 | $28,000 |
| Q2 2024 | $13,000 |
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 | — |
FCAP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
| Q3 2024 | -1.4x | Net Cash |
| Q2 2024 | -1.5x | Net Cash |
| Q1 2024 | -1.3x | Net Cash |
| Q4 2023 | -1.2x | Net Cash |
FCAP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FCAP.
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.
FCAP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.3 | Neutral |
| Stochastic | 64.3 | Neutral |
FCAP's weekly RSI is 60 (neutral) and its Stochastic is 64 (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).
FCAP PE vs Financial Services Sector
| Metric | FCAP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 58 | 63 | 5 pts below |
FCAP 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.
FCAP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.7 | 5.3% above |
| 20 week MA | $62.8 | 5.1% above |
| 50 week MA | $58.6 | 13% above |
| 100 week MA | $49.6 | 33% above |
| 200 week MA | $39.5 | 67% above |
FCAP 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.
FCAP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.5 | $63.1 | -7.9% |
| 2021 | $63.1 | $40.5 | -36% |
| 2022 | $40.5 | $24.4 | -40% |
| 2023 | $24.4 | $27.9 | +14% |
| 2024 | $27.9 | $32.3 | +16% |
| 2025 | $32.3 | $59.9 | +86% |
| 2026 YTD | $59.9 | $66.0 | +10% |
FCAP 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.