FLG
Flagstar Financial, Inc.
FLG's outlook is improving despite an expensive valuation.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FLG overall, supported by stronger valuation and stronger modeled upside.
FLG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
FLG's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FLG.
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.
FLG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3x | $0.48 | -95% |
| Fair | 9.8x | $1.56 | -85% |
| Expensive | 13x | $2.11 | -80% |
| Forward | 21x | $10.34 | — |
| Current | 65x | $10.34 | — |
Historical ranges are pointers, not guarantees.
FLG's PE is in its expensive range at 65x. If earnings grow as analysts expect, today's price would be 21x 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 FLG in the historical PE scenario, which offers more potential upside but is not a forecast.
FLG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect earnings and revenue growth for FLG, with profitability improving. However, they disagree widely on these estimates.
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.
FLG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.50 | +212% |
| Q3 2026 | $0.16 | +$1.25 |
| Q2 2026 | $0.04 | +$1.81 |
| Q1 2026 | -$0.21 | +$2.51 |
| Q4 2025 | -$0.50 | +$3.31 |
| Q3 2025 | -$1.09 | +$13.74 |
| Q2 2025 | -$1.77 | +$11.46 |
| Q1 2025 | -$2.72 | +$7.72 |
| Q4 2024 | -$3.81 | -$3.33 |
FLG 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.
FLG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $530M | +2.1% |
| Q2 2026 | $516M | +4% |
| Q1 2026 | $498M | +1.6% |
| Q4 2025 | $557M | -11% |
| Q3 2025 | $519M | -17% |
| Q2 2025 | $496M | -26% |
| Q1 2025 | $490M | -23% |
| Q4 2024 | $625M | -28% |
FLG's revenue fell from its 2023 peak and has held roughly level since: $530M last quarter, up 2.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -1.9% | +6 points |
| Q2 2026 | 9.3% | +26 points |
| Q1 2026 | 6.4% | +31 points |
| Q4 2025 | 8.1% | +46 points |
| Q3 2025 | -7.9% | +46 points |
| Q2 2025 | -16% | +47 points |
| Q1 2025 | -25% | +36 points |
| Q4 2024 | -38% | +287 points |
FLG's operating margin was −1.9% last quarter, up 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 FLG 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 FLG on profitability, with a higher operating margin.
FLG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$5M | -102% |
| Q2 2026 | $226M | -36% |
| Q1 2026 | -$118M | +$472M |
| Q4 2025 | -$189M | -130% |
| Q3 2025 | $243M | +$1.3B |
| Q2 2025 | $355M | -55% |
| Q1 2025 | -$590M | -$296M |
| Q4 2024 | $623M | -20% |
FLG has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
FLG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -7.6M shares |
| 1 year | +12% | +50.5M shares |
| 3 years | +93% | +225M shares |
| 5 years | +201% | +311M shares |
| Available history | +200% | +311M shares |
FLG has 466M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $9M |
| Q1 2023 | $9M |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2020 | — |
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 the edge over FLG on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
FLG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 42.2x | High |
| Q2 2026 | 47.2x | High |
| Q1 2026 | 110.1x | High |
| Q4 2023 | 85.2x | High |
| Q3 2023 | 2.5x | Moderate |
| Q2 2023 | 0.2x | Very low |
| Q1 2023 | -0.3x | Net Cash |
| Q4 2022 | 22.2x | High |
FLG's net debt is more than 20 years of its operating earnings (EBITDA), up from 2.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FLG.
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 FLG on leverage, with a lower net debt burden relative to earnings.
FLG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 28.1 | Oversold |
| Stochastic | 11.6 | Oversold |
FLG's weekly RSI is 28 (oversold) and its Stochastic is 12 (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).
FLG PE vs Financial Services Sector
| Metric | FLG | Sector median | Relative |
|---|---|---|---|
| PE | 65x | 13x | 396% above |
| PE % | 94 | 63 | 31 pts above |
FLG is trading at 65x earnings, a 396% premium to the Financial Services sector's median of 13x.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over FLG on valuation relative to its sector.
FLG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.0 | 6.3% below |
| 20 week MA | $12.8 | 19% below |
| 50 week MA | $13.2 | 22% below |
| 100 week MA | $12.3 | 16% below |
| 200 week MA | $17.0 | 39% below |
FLG is in a downtrend: it's below all five of its weekly moving averages, and 39% below its 200-week average.
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 the edge over FLG on trend strength, trading above more of its moving averages.
FLG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $31.3 | -11% |
| 2021 | $31.3 | $36.2 | +15% |
| 2022 | $36.2 | $25.9 | -28% |
| 2023 | $25.9 | $30.7 | +19% |
| 2024 | $30.7 | $9.03 | -71% |
| 2025 | $9.03 | $12.8 | +41% |
| 2026 YTD | $12.8 | $10.3 | -19% |
FLG 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.