FCFS
FirstCash Holdings, Inc
FCFS's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FCFS overall, supported by stronger modeled upside and stronger fundamentals.
FCFS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
FCFS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCFS.
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.
FCFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $182 | — |
| Cheap | 19x | $176 | -2.9% |
| Current | 20x | $182 | — |
| Fair | 22x | $204 | +12% |
| Expensive | 26x | $240 | +32% |
Historical ranges are pointers, not guarantees.
FCFS's PE is in its cheap range at 20x. If earnings grow as analysts expect, today's price would be 15x next year's earnings.
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 FCFS in the historical PE scenario, which offers more potential upside but is not a forecast.
FCFS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCFS, 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.
FCFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.21 | +32% |
| Q3 2026 | $9.23 | +33% |
| Q2 2026 | $8.76 | +35% |
| Q1 2026 | $7.98 | +28% |
| Q4 2025 | $7.42 | +29% |
| Q3 2025 | $6.93 | +28% |
| Q2 2025 | $6.51 | +25% |
| Q1 2025 | $6.25 | +22% |
| Q4 2024 | $5.73 | +19% |
FCFS 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.
FCFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +18% |
| Q2 2026 | $1.1B | +29% |
| Q1 2026 | $1.1B | +26% |
| Q4 2025 | $1.1B | +20% |
| Q3 2025 | $935.6M | +12% |
| Q2 2025 | $830.6M | 0% |
| Q1 2025 | $836.4M | 0% |
| Q4 2024 | $883.8M | +3.7% |
FCFS's revenue has grown year over year for five quarters in a row: $1.1B last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +0.6 points |
| Q2 2026 | 12% | +2.1 points |
| Q1 2026 | 14% | +0.5 points |
| Q4 2025 | 13% | +1.1 points |
| Q3 2025 | 12% | +1.8 points |
| Q2 2025 | 9.8% | +1.8 points |
| Q1 2025 | 13% | +3.5 points |
| Q4 2024 | 12% | +1.7 points |
FCFS's operating margin was 13% last quarter, up 0.6 points from the same quarter a year ago.
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 FCFS 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 has the edge over FCFS on profitability, with a higher operating margin.
FCFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $142M | +4.6% |
| Q2 2026 | $176.8M | +51% |
| Q1 2026 | $153.6M | +21% |
| Q3 2025 | $135.8M | +20% |
| Q2 2025 | $116.9M | +10% |
| Q1 2025 | $126.6M | +3.4% |
| Q3 2024 | $113.1M | +1.5% |
| Q2 2024 | $106.2M | +12% |
FCFS's free cash flow was $608M over the past year, up 31% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCFS.
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.
FCFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -701K shares |
| 1 year | -2.6% | -1.1M shares |
| 3 years | -4.5% | -2M shares |
| 5 years | +7% | +2.8M shares |
| Available history | +1.3% | +575K shares |
FCFS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $134.2M |
| Q2 2026 | $66.9M |
| Q1 2026 | $50M |
| Q4 2025 | $25.4M |
| Q3 2025 | $30M |
| Q2 2025 | $850,000 |
| Q1 2025 | $59.6M |
| Q4 2024 | — |
FCFS spent $277M buying back its own shares over the past year, about three 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 | — |
FCFS Net Leverage
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.
FCFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 16.4 | Oversold |
FCFS's weekly RSI is 39 (neutral) and its Stochastic is 16 (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).
FCFS PE vs Financial Services Sector
| Metric | FCFS | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 21 | 63 | 42 pts below |
FCFS 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.
FCFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $197.3 | 7.9% below |
| 20 week MA | $208.3 | 13% below |
| 50 week MA | $199.6 | 9% below |
| 100 week MA | $165.4 | 9.9% above |
| 200 week MA | $135.7 | 34% above |
FCFS 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.
FCFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $80.8 | $70.1 | -13% |
| 2021 | $70.1 | $69.9 | -0.2% |
| 2022 | $69.9 | $87.9 | +26% |
| 2023 | $87.9 | $108.4 | +23% |
| 2024 | $108.4 | $103.1 | -4.9% |
| 2025 | $103.1 | $161.0 | +56% |
| 2026 YTD | $161.0 | $181.7 | +13% |
FCFS 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.