GLRE
Greenlight Capital Re, Ltd.
GLRE has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GLRE overall, supported by stronger valuation and stronger modeled upside.
GLRE Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
GLRE's profitability is currently healthy, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like GLRE.
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.
GLRE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.1x | $8.62 | -47% |
| Fair | 7.5x | $12.69 | -22% |
| Current | 9.7x | $16.36 | — |
| Expensive | 15x | $25.44 | +56% |
Historical ranges are pointers, not guarantees.
GLRE's PE is in its fair range at 9.7x.
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 GLRE in the historical PE scenario, which offers more potential upside but is not a forecast.
GLRE Forward outlook
There aren't enough analyst estimates for GLRE to show an outlook.
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.
GLRE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.69 | +$1.73 |
| Q2 2026 | $1.46 | +33% |
| Q1 2026 | $2.36 | +79% |
| Q4 2025 | $2.17 | +75% |
| Q3 2025 | -$0.04 | -102% |
| Q2 2025 | $1.10 | -46% |
| Q1 2025 | $1.32 | -58% |
| Q4 2024 | $1.24 | -50% |
GLRE has returned to profit: it earned $1.69 per share over the past year, after losing money the year before.
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 GLRE on earnings, with more consistent year-over-year improvement.
GLRE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $148.3M | +1.5% |
| Q2 2026 | $137.5M | -14% |
| Q1 2026 | $189.7M | -11% |
| Q4 2025 | $210.3M | +48% |
| Q3 2025 | $146.1M | -22% |
| Q2 2025 | $160.1M | -8.4% |
| Q1 2025 | $213.3M | +11% |
| Q4 2024 | $141.8M | -8.8% |
GLRE's revenue fell from its 2025 peak and has held roughly level since: $148M last quarter, up 1.5% 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 GLRE 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.
GLRE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.9M | -84% |
| Q2 2026 | $31.4M | -54% |
| Q1 2026 | $37.2M | +259% |
| Q4 2025 | $100.2M | +239% |
| Q3 2025 | $31.2M | -25% |
| Q2 2025 | $68.4M | +201% |
| Q1 2025 | $10.4M | -42% |
| Q4 2024 | $29.5M | +33% |
GLRE 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.
GLRE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +104K shares |
| 1 year | -1.6% | -548K shares |
| 3 years | -4.6% | -1.6M shares |
| 5 years | +0.9% | +283K shares |
| Available history | -8.1% | -2.9M shares |
GLRE has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $8M |
| Q2 2026 | $14.2M |
| Q1 2026 | $5M |
| Q4 2025 | $2.8M |
| Q3 2025 | $2M |
| Q4 2024 | — |
| Q3 2024 | $7.5M |
| Q4 2023 | — |
GLRE spent $30M buying back its own shares over the past year.
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 | — |
GLRE 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.
GLRE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.0 | Neutral |
| Stochastic | 52.0 | Neutral |
GLRE's weekly RSI is 58 (neutral) and its Stochastic is 52 (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).
GLRE PE vs Financial Services Sector
| Metric | GLRE | Sector median | Relative |
|---|---|---|---|
| PE | 9.7x | 13x | 26% below |
| PE % | 58 | 63 | 5 pts below |
GLRE 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.
GLRE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.2 | 7.8% above |
| 20 week MA | $15.6 | 4.7% above |
| 50 week MA | $15.6 | 4.7% above |
| 100 week MA | $14.5 | 13% above |
| 200 week MA | $13.1 | 25% above |
GLRE 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.
GLRE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.1 | $7.16 | -29% |
| 2021 | $7.16 | $7.40 | +3.4% |
| 2022 | $7.40 | $8.09 | +9.3% |
| 2023 | $8.09 | $11.4 | +41% |
| 2024 | $11.4 | $13.8 | +21% |
| 2025 | $13.8 | $14.4 | +4.3% |
| 2026 YTD | $14.4 | $16.4 | +13% |
GLRE 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.