FCF
First Commonwealth Financial Corporation
There isn't enough reported data to score FCF yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
FCF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FCF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCF.
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.
FCF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $15.62 | -25% |
| Fair | 11x | $18.96 | -9.4% |
| Forward | 11x | $20.92 | — |
| Current | 12x | $20.92 | — |
| Expensive | 13x | $22.07 | +5.5% |
Historical ranges are pointers, not guarantees.
FCF's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.
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 FCF in the historical PE scenario, which offers more potential upside but is not a forecast.
FCF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCF, 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.
FCF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.99 | +17% |
| Q3 2026 | $1.70 | +23% |
| Q2 2026 | $1.64 | +26% |
| Q1 2026 | $1.52 | +13% |
| Q4 2025 | $1.47 | +5.8% |
| Q3 2025 | $1.38 | -6.8% |
| Q2 2025 | $1.30 | -16% |
| Q1 2025 | $1.34 | -17% |
| Q4 2024 | $1.39 | -9.7% |
FCF earned $1.70 per share over the past year, up 23% 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 FCF on earnings, with more consistent year-over-year improvement.
FCF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $143M | +5.2% |
| Q2 2026 | $139.4M | +6.5% |
| Q1 2026 | $133.6M | +13% |
| Q4 2025 | $137.9M | +15% |
| Q3 2025 | $136M | +12% |
| Q2 2025 | $131M | +9% |
| Q1 2025 | $118M | +1.5% |
| Q4 2024 | $120.4M | +0.3% |
FCF's revenue has grown year over year for eight quarters in a row: $143M last quarter, up 5.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -2.7 points |
| Q2 2026 | 40% | +8.3 points |
| Q1 2026 | 35% | +0.6 points |
| Q4 2025 | 41% | +3.9 points |
| Q3 2025 | 38% | +4.7 points |
| Q2 2025 | 32% | -6.6 points |
| Q1 2025 | 35% | -5.2 points |
| Q4 2024 | 37% | -10 points |
FCF 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 FCF 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.
FCF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $16M | -68% |
| Q2 2026 | $3.6M | -88% |
| Q1 2026 | $86.8M | +55% |
| Q3 2025 | $49.5M | -7.7% |
| Q2 2025 | $30.4M | +34% |
| Q1 2025 | $55.9M | +41% |
| Q3 2024 | $53.6M | +163% |
| Q2 2024 | $22.7M | -52% |
FCF's free cash flow was $156M over the past year, down 4.1% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCF.
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.
FCF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.5% | -1.5M shares |
| 1 year | -4.5% | -4.7M shares |
| 3 years | -2.3% | -2.4M shares |
| 5 years | +4.4% | +4.2M shares |
| Available history | +1.5% | +1.5M shares |
FCF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $88.3M |
| Q2 2026 | $12.1M |
| Q1 2026 | $24.8M |
| Q4 2025 | $22.8M |
| Q3 2025 | $10.6M |
| Q2 2025 | $508,000 |
| Q1 2025 | $1.8M |
| Q4 2024 | $8.1M |
FCF spent $148M buying back its own shares over the past year, about seven 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 | — |
FCF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.9x | Very low |
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 1.6x | Healthy |
| Q3 2025 | 1.6x | Healthy |
| Q2 2025 | 2.1x | Moderate |
| Q1 2025 | 1.2x | Healthy |
| Q4 2024 | 1.3x | Healthy |
FCF's net debt is less than a year of its operating earnings (EBITDA), down from 1.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FCF.
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 FCF on leverage, with a lower net debt burden relative to earnings.
FCF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.0 | Neutral |
| Stochastic | 51.0 | Neutral |
FCF's weekly RSI is 57 (neutral) and its Stochastic is 51 (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).
FCF PE vs Financial Services Sector
| Metric | FCF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.5% below |
| PE % | 70 | 63 | 7 pts above |
FCF 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.
FCF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.7 | 1.1% above |
| 20 week MA | $20.9 | 0.1% below |
| 50 week MA | $19.2 | 8.8% above |
| 100 week MA | $17.7 | 18% above |
| 200 week MA | $16.0 | 30% above |
FCF 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.
FCF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.5 | $10.7 | -26% |
| 2021 | $10.7 | $15.9 | +49% |
| 2022 | $15.9 | $13.9 | -13% |
| 2023 | $13.9 | $15.4 | +11% |
| 2024 | $15.4 | $17.0 | +10% |
| 2025 | $17.0 | $17.1 | +0.6% |
| 2026 YTD | $17.1 | $20.9 | +22% |
FCF 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.