GSBD
Goldman Sachs BDC, Inc.
GSBD has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GSBD overall, supported by stronger valuation and stronger fundamentals.
GSBD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Healthy | |
| N/A | |
| N/A |
GSBD's profitability is currently healthy, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like GSBD.
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.
GSBD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.1x | $8.30 | — |
| Cheap | 7.8x | $1.96 | -76% |
| Fair | 13x | $3.37 | -59% |
| Expensive | 26x | $6.43 | -23% |
| Current | 33x | $8.30 | — |
Historical ranges are pointers, not guarantees.
GSBD's PE is in its expensive range at 33x. On analysts' estimates for next year's earnings, today's price would be 7.1x, in its cheap 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 GSBD in the historical PE scenario, which offers more potential upside but is not a forecast.
GSBD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Decline | |
| Weakening | |
| Limited | |
| High |
Analysts expect GSBD's earnings and revenue to decline, with profitability weakening.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over GSBD on the outlook, with more favorable earnings and revenue expectations.
GSBD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.16 | +366% |
| Q3 2026 | $0.25 | -78% |
| Q2 2026 | $0.51 | -59% |
| Q1 2026 | $0.64 | +49% |
| Q4 2025 | $1.03 | +87% |
| Q3 2025 | $1.14 | +61% |
| Q2 2025 | $1.24 | +44% |
| Q1 2025 | $0.43 | -78% |
| Q4 2024 | $0.55 | -70% |
GSBD's earnings per share have fallen from their peak: $0.25 over the past year, against $5.46 in early 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 GSBD on earnings, with more consistent year-over-year improvement.
GSBD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $33.6M | -45% |
| Q1 2022 | $51.5M | -21% |
| Q4 2021 | $49M | -68% |
| Q3 2021 | $53.2M | +29% |
| Q2 2021 | $61.6M | +41% |
| Q4 2020 | $155.3M | +713% |
SOFI has the stronger quarterly revenue trend. Revenue is down 45% for GSBD versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | 58% | -32 points |
| Q1 2022 | 80% | -13 points |
| Q4 2021 | 80% | -31 points |
| Q3 2021 | 72% | -7.1 points |
| Q2 2021 | 90% | +9.3 points |
| Q1 2021 | 93% | N/A |
| Q4 2020 | 111% | +62 points |
| Q3 2020 | 79% | N/A |
GSBD's operating margin was 58% last quarter, down 32 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.
GSBD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $267.2M | +466% |
| Q2 2026 | $53.6M | -69% |
| Q1 2026 | $10.4M | -92% |
| Q4 2025 | -$29.9M | -328% |
| Q3 2025 | $47.2M | -55% |
| Q2 2025 | $174.5M | +$296.2M |
| Q1 2025 | $133.9M | +1802% |
| Q4 2024 | $13.1M | -84% |
GSBD 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.
GSBD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -500K shares |
| 1 year | -2% | -2.3M shares |
| 3 years | +2.3% | +2.5M shares |
| 5 years | +10% | +10.3M shares |
| Available history | +178% | +71.8M shares |
GSBD has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $15M |
| Q3 2025 | $26.5M |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
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 | — |
GSBD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | 14.3x | High |
| Q1 2022 | 10.5x | High |
| Q4 2021 | 9.4x | High |
| Q3 2021 | 4.4x | High |
| Q2 2021 | 4.5x | High |
| Q1 2021 | 5.1x | High |
| Q4 2020 | 9.0x | High |
| Q3 2020 | 64.1x | High |
GSBD's net debt is about 14 years of its operating earnings (EBITDA), up from 4.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like GSBD.
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.
GSBD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.7 | Neutral |
| Stochastic | 12.0 | Oversold |
GSBD's weekly RSI is 37 (neutral) and its Stochastic is 12 (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).
GSBD PE vs Financial Services Sector
| Metric | GSBD | Sector median | Relative |
|---|---|---|---|
| PE | 33x | 13x | 155% above |
| PE % | 92 | 63 | 29 pts above |
GSBD is trading at 33x earnings, a 155% 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 GSBD on valuation relative to its sector.
GSBD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.82 | 5.9% below |
| 20 week MA | $9.20 | 9.8% below |
| 50 week MA | $9.26 | 10% below |
| 100 week MA | $10.3 | 19% below |
| 200 week MA | $12.4 | 33% below |
GSBD is in a downtrend: it's below all five of its weekly moving averages, and 33% below its 200-week average.
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 the edge over GSBD on trend strength, trading above more of its moving averages.
GSBD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.9 | $19.3 | -12% |
| 2021 | $19.3 | $19.4 | +0.6% |
| 2022 | $19.4 | $14.6 | -25% |
| 2023 | $14.6 | $14.7 | +0.5% |
| 2024 | $14.7 | $12.8 | -13% |
| 2025 | $12.8 | $9.63 | -25% |
| 2026 YTD | $9.63 | $8.30 | -14% |
GSBD 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.