GNW
Genworth Financial, Inc.
GNW trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GNW overall, supported by stronger modeled upside and lower modeled downside.
GNW Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
GNW's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like GNW.
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.
GNW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 2.5x | $0.35 | -96% |
| Fair | 9.5x | $1.33 | -84% |
| Expensive | 32x | $4.44 | -47% |
| Current | 60x | $8.41 | — |
Historical ranges are pointers, not guarantees.
GNW's PE is in its expensive range at 60x.
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 GNW in the historical PE scenario, which offers more potential upside but is not a forecast.
GNW Forward outlook
There aren't enough analyst estimates for GNW 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.
GNW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.14 | -74% |
| Q2 2026 | $0.53 | +18% |
| Q1 2026 | $0.53 | +6% |
| Q4 2025 | $0.54 | -21% |
| Q3 2025 | $0.54 | +170% |
| Q2 2025 | $0.45 | +543% |
| Q1 2025 | $0.50 | +163% |
| Q4 2024 | $0.68 | +$0.68 |
GNW 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.
GNW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.8B | -7.3% |
| Q2 2026 | $1.9B | +5.8% |
| Q1 2026 | $1.8B | -0.5% |
| Q4 2025 | $1.8B | +0.1% |
| Q3 2025 | $1.9B | +2.9% |
| Q2 2025 | $1.8B | +1.5% |
| Q1 2025 | $1.8B | -4.2% |
| Q4 2024 | $1.8B | -6.8% |
GNW's revenue fell from its 2020 peak and has held roughly level since: $1.8B last quarter, down 7.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -0.1% | -8.5 points |
| Q2 2026 | 5.7% | +1.9 points |
| Q1 2026 | 6.3% | +3.4 points |
| Q4 2025 | 1% | -2.1 points |
| Q3 2025 | 8.5% | +5.9 points |
| Q2 2025 | 3.8% | -3.3 points |
| Q1 2025 | 2.9% | -1.7 points |
| Q4 2024 | 3.1% | +15 points |
GNW's operating margin was −0.1% last quarter, down 8.5 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 has the edge over GNW 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 GNW on profitability, with a higher operating margin.
GNW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $100M | +15% |
| Q2 2026 | $52M | +767% |
| Q1 2026 | $91M | +168% |
| Q4 2025 | $200M | +641% |
| Q3 2025 | $87M | -46% |
| Q2 2025 | $6M | -14% |
| Q1 2025 | $34M | +$141M |
| Q4 2024 | $27M | -82% |
GNW 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.
GNW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.8% | -10.8M shares |
| 1 year | -9.1% | -37.8M shares |
| 3 years | -19% | -90.5M shares |
| 5 years | -27% | -139M shares |
| Available history | -26% | -135M shares |
GNW has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $80M |
| Q2 2026 | $63M |
| Q1 2026 | $67M |
| Q4 2025 | $96M |
| Q3 2025 | $74M |
| Q2 2025 | $32M |
| Q1 2025 | $45M |
| Q4 2024 | $54M |
GNW spent $306M buying back its own shares over the past year, up 49% 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 | — |
GNW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.6x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -0.6x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -0.9x | Net Cash |
GNW has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GNW.
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 GNW on leverage, with a lower net debt burden relative to earnings.
GNW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.9 | Neutral |
| Stochastic | 3.3 | Oversold |
GNW's weekly RSI is 37 (neutral) and its Stochastic is 3 (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).
GNW PE vs Financial Services Sector
| Metric | GNW | Sector median | Relative |
|---|---|---|---|
| PE | 60x | 13x | 361% above |
| PE % | 91 | 63 | 28 pts above |
GNW is trading at 60x earnings, a 361% 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 GNW on valuation relative to its sector.
GNW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.03 | 6.9% below |
| 20 week MA | $9.57 | 12% below |
| 50 week MA | $9.06 | 7.2% below |
| 100 week MA | $8.34 | 0.8% above |
| 200 week MA | $7.24 | 16% above |
GNW 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.
GNW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.36 | $4.36 | 0% |
| 2021 | $4.36 | $4.09 | -6.2% |
| 2022 | $4.09 | $5.27 | +29% |
| 2023 | $5.27 | $6.68 | +27% |
| 2024 | $6.68 | $6.97 | +4.3% |
| 2025 | $6.97 | $9.14 | +31% |
| 2026 YTD | $9.14 | $8.41 | -8% |
GNW 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.