GOLD
Gold.com, Inc.
GOLD trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GOLD overall, supported by stronger valuation and stronger modeled upside.
GOLD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
GOLD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like GOLD.
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.
GOLD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.2x | $13.08 | -64% |
| Fair | 7.5x | $23.38 | -36% |
| Current | 12x | $36.40 | — |
| Forward | 13x | $36.40 | — |
| Expensive | 16x | $48.82 | +34% |
Historical ranges are pointers, not guarantees.
GOLD's PE is in its fair range at 12x. Analysts expect earnings to fall, which would put today's price at 13x next year's earnings, in its expensive 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 GOLD in the historical PE scenario, which offers more potential upside but is not a forecast.
GOLD Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Strong decline | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect GOLD's earnings to decline, with its revenue and profitability holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over GOLD on the outlook, with more favorable valuation and earnings expectations.
GOLD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.74 | -12% |
| Q3 2026 | $3.11 | +937% |
| Q2 2026 | $3.02 | +325% |
| Q1 2026 | $2.94 | +87% |
| Q4 2025 | $0.49 | -77% |
| Q3 2025 | $0.30 | -88% |
| Q2 2025 | $0.71 | -75% |
| Q1 2025 | $1.57 | -52% |
| Q4 2024 | $2.14 | -52% |
GOLD's earnings per share have fallen from their peak: $3.11 over the past year, against $9.16 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 has the edge over GOLD on earnings, with more consistent year-over-year improvement.
GOLD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.3B | -11% |
| Q2 2026 | $5B | +99% |
| Q1 2026 | $10.4B | +244% |
| Q4 2025 | $6.5B | +136% |
| Q3 2025 | $3.7B | +36% |
| Q2 2025 | $2.5B | -0.5% |
| Q1 2025 | $3B | +15% |
| Q4 2024 | $2.7B | +32% |
GOLD's revenue is growing: $3.3B last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.1% | +0.1 points |
| Q2 2026 | 0.3% | -0.3 points |
| Q1 2026 | 0.8% | +1.1 points |
| Q4 2025 | 0.2% | 0 points |
| Q3 2025 | 0% | -0.4 points |
| Q2 2025 | 0.5% | -0.8 points |
| Q1 2025 | -0.3% | -0.6 points |
| Q4 2024 | 0.3% | -0.6 points |
GOLD's operating margin was 0.1% last quarter, about level with 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 GOLD 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 GOLD on profitability, with a higher operating margin.
GOLD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$643.1M | -432% |
| Q2 2026 | $1.1B | +1591% |
| Q1 2026 | -$3M | -103% |
| Q4 2025 | -$46.6M | -144% |
| Q3 2025 | $193.4M | +$321.6M |
| Q2 2025 | $63.1M | -21% |
| Q1 2025 | $100.4M | +27% |
| Q3 2024 | -$128.1M | -$82M |
GOLD 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.
GOLD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +9.1% | +2.5M shares |
| 1 year | +20% | +5M shares |
| 3 years | +21% | +5.2M shares |
| 5 years | +24% | +5.7M shares |
| Available history | +111% | +15.6M shares |
GOLD has 30M diluted shares, up 20% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $5.4M |
| Q3 2023 | $4.9M |
| Q2 2023 | — |
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 GOLD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
GOLD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | 3.3x | Elevated |
| Q3 2025 | 5.7x | High |
| Q2 2025 | 6.2x | High |
| Q1 2025 | 3.4x | Elevated |
| Q4 2024 | 2.7x | Moderate |
GOLD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GOLD.
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 GOLD on leverage, with a lower net debt burden relative to earnings.
GOLD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.7 | Neutral |
| Stochastic | 4.0 | Oversold |
GOLD's weekly RSI is 39 (neutral) and its Stochastic is 4 (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).
GOLD PE vs Financial Services Sector
| Metric | GOLD | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 10% below |
| PE % | 62 | 63 | 1 pt below |
GOLD 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.
GOLD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.6 | 8.1% below |
| 20 week MA | $41.9 | 13% below |
| 50 week MA | $43.1 | 16% below |
| 100 week MA | $34.0 | 7% above |
| 200 week MA | $34.0 | 7.1% above |
GOLD 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.
GOLD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.08 | $14.0 | +243% |
| 2021 | $14.0 | $30.8 | +120% |
| 2022 | $30.8 | $34.4 | +12% |
| 2023 | $34.4 | $30.3 | -12% |
| 2024 | $30.3 | $26.1 | -14% |
| 2025 | $26.1 | $34.6 | +32% |
| 2026 YTD | $34.6 | $36.4 | +5.2% |
GOLD 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.