FULT
Fulton Financial Corporation
FULT has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FULT overall, supported by stronger valuation and stronger fundamentals.
FULT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FULT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FULT.
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.
FULT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $19.50 | -18% |
| Forward | 10x | $23.84 | — |
| Fair | 11x | $22.58 | -5.3% |
| Current | 11x | $23.84 | — |
| Expensive | 12x | $25.61 | +7.4% |
Historical ranges are pointers, not guarantees.
FULT's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair 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 FULT in the historical PE scenario, which offers more potential upside but is not a forecast.
FULT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FULT, 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.
FULT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.34 | +9% |
| Q3 2026 | $2.15 | +13% |
| Q2 2026 | $2.09 | +22% |
| Q1 2026 | $2.10 | +24% |
| Q4 2025 | $2.08 | +32% |
| Q3 2025 | $1.91 | +21% |
| Q2 2025 | $1.71 | +2.4% |
| Q1 2025 | $1.70 | +5.6% |
| Q4 2024 | $1.57 | -4.3% |
FULT 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.
FULT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $367.3M | +9.8% |
| Q2 2026 | $363.6M | +12% |
| Q1 2026 | $331.9M | +4.2% |
| Q4 2025 | $336M | +5.1% |
| Q3 2025 | $334.6M | +5.3% |
| Q2 2025 | $324.1M | -3.2% |
| Q1 2025 | $318.4M | +21% |
| Q4 2024 | $319.6M | +18% |
FULT's revenue has grown year over year for five quarters in a row: $367M last quarter, up 9.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +1.2 points |
| Q2 2026 | 35% | -2.7 points |
| Q1 2026 | 35% | -0.9 points |
| Q4 2025 | 36% | +8.8 points |
| Q3 2025 | 38% | +13 points |
| Q2 2025 | 38% | +7 points |
| Q1 2025 | 36% | +7.5 points |
| Q4 2024 | 27% | -2.9 points |
FULT 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 FULT 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'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.
FULT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $294.1M | +153% |
| Q2 2026 | $99.7M | +8.7% |
| Q1 2026 | $114.7M | +16216% |
| Q4 2025 | $96M | -25% |
| Q3 2025 | $116.1M | +$148.4M |
| Q2 2025 | $91.7M | -45% |
| Q1 2025 | $703K | -100% |
| Q4 2024 | $127.9M | +$185.3M |
FULT 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.
FULT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -763K shares |
| 1 year | +4.8% | +8.9M shares |
| 3 years | +16% | +26.2M shares |
| 5 years | +18% | +28.8M shares |
| Available history | +15% | +24.4M shares |
FULT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $56.8M |
| Q2 2026 | $18.3M |
| Q1 2026 | $24.6M |
| Q4 2025 | $19.9M |
| Q3 2025 | $31M |
| Q2 2025 | $14.5M |
| Q1 2025 | $550,000 |
| Q4 2024 | — |
FULT spent $120M buying back its own shares over the past year, up 159% from 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 | — |
FULT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2020 | 4.7x | High |
| Q4 2019 | 2.6x | Moderate |
FULT's net debt is about 4.7 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FULT.
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.
FULT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.0 | Neutral |
| Stochastic | 61.4 | Neutral |
FULT's weekly RSI is 57 (neutral) and its Stochastic is 61 (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).
FULT PE vs Financial Services Sector
| Metric | FULT | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 68 | 63 | 5 pts above |
FULT 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.
FULT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.2 | 2.9% above |
| 20 week MA | $23.7 | 0.5% above |
| 50 week MA | $22.1 | 7.8% above |
| 100 week MA | $20.3 | 18% above |
| 200 week MA | $17.9 | 33% above |
FULT 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.
FULT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.5 | $12.8 | -27% |
| 2021 | $12.8 | $16.9 | +32% |
| 2022 | $16.9 | $17.1 | +0.8% |
| 2023 | $17.1 | $16.5 | -3.6% |
| 2024 | $16.5 | $19.7 | +19% |
| 2025 | $19.7 | $20.1 | +2.1% |
| 2026 YTD | $20.1 | $23.8 | +19% |
FULT 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.