GLAD
Gladstone Capital Corporation
GLAD has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GLAD overall, supported by stronger modeled upside and stronger fundamentals.
GLAD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Strong | |
| N/A | |
| N/A |
GLAD's profitability is currently strong, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like GLAD.
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.
GLAD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $16.39 | -15% |
| Current | 7.3x | $19.39 | — |
| Fair | 9.4x | $24.91 | +28% |
| Forward | 9.8x | $19.39 | — |
| Expensive | 15x | $39.91 | +106% |
Historical ranges are pointers, not guarantees.
GLAD's PE is in its cheap range at 7.3x. On analysts' estimates for next year's earnings, today's price would be 9.8x, 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 GLAD in the historical PE scenario, which offers more potential upside but is not a forecast.
GLAD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect GLAD's revenue to grow, but its profitability to weaken.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over GLAD on the outlook, with more favorable valuation and earnings expectations.
GLAD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.98 | -25% |
| Q2 2026 | $2.65 | +13% |
| Q1 2026 | $2.42 | -6.6% |
| Q4 2025 | $2.29 | -12% |
| Q3 2025 | $2.55 | -3% |
| Q2 2025 | $2.35 | +8.3% |
| Q1 2025 | $2.59 | +17% |
| Q4 2024 | $2.59 | +16% |
| Q3 2024 | $2.63 | +20% |
GLAD's earnings per share have fallen from their peak: $2.65 over the past year, against $5.04 in late 2021.
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.
GLAD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2022 | $9M | -75% |
| Q1 2022 | $12.4M | -49% |
| Q4 2021 | $14.5M | -6.7% |
| Q3 2021 | $36.4M | +172% |
| Q2 2021 | $21.3M | +22% |
| Q4 2020 | $15.5M | +386% |
| Q3 2020 | $13.4M | +58% |
SOFI has the stronger quarterly revenue trend. Revenue is down 75% for GLAD versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2022 | 57% | -33 points |
| Q1 2022 | 67% | -21 points |
| Q4 2021 | 83% | +4.3 points |
| Q3 2021 | 90% | +13 points |
| Q2 2021 | 84% | -1.5 points |
| Q1 2021 | 88% | N/A |
| Q4 2020 | 79% | +57 points |
| Q3 2020 | 77% | +13 points |
GLAD's operating margin was 57% last quarter, down 27 points from the same quarter a year ago, near the bottom of its range since 2019.
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
GLAD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$36.9M | -281% |
| Q1 2026 | $16.6M | -65% |
| Q4 2025 | -$33.8M | -241% |
| Q3 2025 | -$96.6M | -$90.9M |
| Q2 2025 | $20.4M | -62% |
| Q1 2025 | $46.8M | +$65.9M |
| Q4 2024 | $24M | +$50.2M |
| Q3 2024 | -$5.7M | -125% |
GLAD 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.
GLAD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +27% | +6M shares |
| 3 years | +51% | +9.5M shares |
| 5 years | +68% | +11.5M shares |
| Available history | +86% | +13.1M shares |
GLAD has 28M diluted shares, up 27% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| 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 GLAD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
GLAD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 7.2x | High |
| Q2 2022 | 4.8x | High |
| Q1 2022 | 2.6x | Moderate |
| Q4 2021 | 2.7x | Moderate |
| Q3 2021 | 2.8x | Moderate |
| Q2 2021 | 3.4x | Elevated |
| Q1 2021 | 3.8x | Elevated |
| Q4 2020 | 20.5x | High |
GLAD's net debt is about 7.2 years of its operating earnings (EBITDA), up from 2.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like GLAD.
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.
GLAD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.9 | Neutral |
| Stochastic | 49.1 | Neutral |
GLAD's weekly RSI is 51 (neutral) and its Stochastic is 49 (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).
GLAD PE vs Financial Services Sector
| Metric | GLAD | Sector median | Relative |
|---|---|---|---|
| PE | 7.3x | 13x | 44% below |
| PE % | 27 | 63 | 36 pts below |
GLAD 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.
GLAD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.0 | 1.8% above |
| 20 week MA | $19.4 | 0.2% above |
| 50 week MA | $19.3 | 0.5% above |
| 100 week MA | $22.5 | 14% below |
| 200 week MA | $22.0 | 12% below |
GLAD 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.
GLAD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $20.2 | $17.4 | -14% |
| 2021 | $17.4 | $22.3 | +28% |
| 2022 | $22.3 | $19.2 | -14% |
| 2023 | $19.2 | $21.4 | +12% |
| 2024 | $21.4 | $28.1 | +31% |
| 2025 | $28.1 | $20.5 | -27% |
| 2026 YTD | $20.5 | $19.4 | -5.5% |
GLAD 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.