FSUN
FirstSun Capital Bancorp
FSUN has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FSUN overall, supported by stronger valuation and stronger modeled upside.
FSUN Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| N/A | |
| N/A |
FSUN's revenue is currently strong, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FSUN.
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.
FSUN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $16.66 | -57% |
| Forward | 8.9x | $39.05 | — |
| Fair | 11x | $22.51 | -42% |
| Expensive | 14x | $26.87 | -31% |
| Current | 20x | $39.05 | — |
Historical ranges are pointers, not guarantees.
FSUN's PE is in its expensive range at 20x. If earnings grow as analysts expect, today's price would be 8.9x next year's earnings, in its cheap range.
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 FSUN in the historical PE scenario, which offers more potential upside but is not a forecast.
FSUN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for FSUN, 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.
FSUN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.39 | +122% |
| Q3 2026 | $1.98 | -37% |
| Q2 2026 | $1.98 | -37% |
| Q1 2026 | $3.40 | +11% |
| Q4 2025 | $3.47 | +29% |
| Q3 2025 | $3.15 | +2.9% |
| Q2 2025 | $3.12 | -4.6% |
| Q1 2025 | $3.07 | -12% |
| Q4 2024 | $2.69 | -34% |
FSUN's earnings per share have fallen from their peak: $1.98 over the past year, against $4.19 in mid-2023.
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 FSUN on earnings, with more consistent year-over-year improvement.
FSUN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $179.7M | +67% |
| Q2 2026 | $184.1M | +74% |
| Q1 2026 | $110M | +14% |
| Q4 2025 | $110.2M | +12% |
| Q3 2025 | $107.3M | +9.2% |
| Q2 2025 | $105.6M | +9.8% |
| Q1 2025 | $96.2M | +2.8% |
| Q4 2024 | $98.7M | +11% |
FSUN's revenue has grown year over year for nine quarters in a row: $180M last quarter, up 67% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +0.8 points |
| Q2 2026 | -15% | -46 points |
| Q1 2026 | 24% | -6.9 points |
| Q4 2025 | 29% | +8.6 points |
| Q3 2025 | 26% | -2.7 points |
| Q2 2025 | 31% | -1.1 points |
| Q1 2025 | 31% | +15 points |
| Q4 2024 | 20% | -14 points |
FSUN 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 FSUN 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.
FSUN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $48.4M | +1.5% |
| Q2 2026 | $1.1B | +8384% |
| Q1 2026 | -$14.1M | -158% |
| Q4 2025 | $19M | +603% |
| Q3 2025 | $47.6M | +1.2% |
| Q2 2025 | $13M | -34% |
| Q1 2025 | $24.3M | -6.7% |
| Q4 2024 | $2.7M | -93% |
FSUN 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.
FSUN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +150K shares |
| 1 year | +66% | +18.6M shares |
| 3 years | +85% | +21.5M shares |
| 5 years | +150% | +28.1M shares |
FSUN has 47M diluted shares, up 66% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
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 FSUN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
FSUN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.9x | Net Cash |
| Q2 2026 | -11.6x | Net Cash |
| Q1 2026 | -2.4x | Net Cash |
| Q4 2025 | -4.7x | Net Cash |
| Q3 2025 | -4.9x | Net Cash |
| Q2 2025 | -6.0x | Net Cash |
| Q1 2025 | -4.4x | Net Cash |
| Q4 2024 | -4.0x | Net Cash |
FSUN 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.
FSUN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.0 | Neutral |
| Stochastic | 45.1 | Neutral |
FSUN's weekly RSI is 52 (neutral) and its Stochastic is 45 (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).
FSUN PE vs Financial Services Sector
| Metric | FSUN | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 95 | 58 | 37 pts above |
FSUN 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.
FSUN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.1 | 0.1% below |
| 20 week MA | $38.8 | 0.6% above |
| 50 week MA | $37.9 | 3% above |
| 100 week MA | $37.6 | 3.8% above |
| 200 week MA | $35.5 | 10% above |
FSUN 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.
FSUN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $30.0 | $35.9 | +20% |
| 2023 | $35.9 | $34.0 | -5.2% |
| 2024 | $34.0 | $39.7 | +17% |
| 2025 | $39.7 | $38.4 | -3.4% |
| 2026 YTD | $38.4 | $39.1 | +1.8% |
FSUN 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.