HAFC
Hanmi Financial Corporation
HAFC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HAFC overall, supported by stronger valuation and stronger modeled upside.
HAFC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HAFC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HAFC.
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.
HAFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.5x | $19.78 | -39% |
| Forward | 9.6x | $32.54 | — |
| Fair | 9.9x | $30.10 | -7.5% |
| Current | 11x | $32.54 | — |
| Expensive | 12x | $36.02 | +11% |
Historical ranges are pointers, not guarantees.
HAFC's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.6x next year's earnings.
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 HAFC in the historical PE scenario, which offers more potential upside but is not a forecast.
HAFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HAFC, with profitability improving.
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.
HAFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.39 | +11% |
| Q3 2026 | $3.04 | +27% |
| Q2 2026 | $2.97 | +38% |
| Q1 2026 | $2.68 | +26% |
| Q4 2025 | $2.51 | +22% |
| Q3 2025 | $2.39 | +15% |
| Q2 2025 | $2.15 | -2.7% |
| Q1 2025 | $2.13 | -11% |
| Q4 2024 | $2.05 | -22% |
HAFC earned $3.04 per share over the past year, up 27% from 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 earned $0.56 per share over the past year, about the same as the year before.
HAFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.6M | +7.9% |
| Q2 2026 | $72.2M | +11% |
| Q1 2026 | $71.7M | +14% |
| Q4 2025 | $71.2M | +17% |
| Q3 2025 | $71M | +21% |
| Q2 2025 | $65.2M | +15% |
| Q1 2025 | $62.8M | +7.6% |
| Q4 2024 | $60.8M | +1.6% |
HAFC's revenue has grown year over year for eight quarters in a row: $77M last quarter, up 7.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | -0.2 points |
| Q2 2026 | 33% | +9.4 points |
| Q1 2026 | 31% | +3.3 points |
| Q4 2025 | 30% | -12 points |
| Q3 2025 | 31% | -5 points |
| Q2 2025 | 23% | -13 points |
| Q1 2025 | 28% | -9.1 points |
| Q4 2024 | 42% | -4.3 points |
HAFC has the edge over SOFI on profitability, with a higher operating margin.
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 HAFC on sales, with stronger typical year-over-year growth.
| 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.
HAFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.7M | -76% |
| Q2 2026 | -$9.9M | +$9.6M |
| Q1 2026 | $23.4M | -8.6% |
| Q4 2025 | $51.3M | +231% |
| Q3 2025 | $146.4M | +2632% |
| Q2 2025 | -$19.6M | -1626% |
| Q1 2025 | $25.6M | -12% |
| Q4 2024 | $15.5M | +154% |
HAFC 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.
HAFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -119K shares |
| 1 year | -1% | -311K shares |
| 3 years | -2.4% | -723K shares |
| 5 years | -3.2% | -982K shares |
| Available history | -3.9% | -1.2M shares |
HAFC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.8M |
| Q2 2026 | $4.8M |
| Q1 2026 | $4.8M |
| Q4 2025 | $2M |
| Q3 2025 | $4.7M |
| Q2 2025 | $1.6M |
| Q1 2025 | $1.1M |
| Q4 2024 | $554,000 |
HAFC spent $16M buying back its own shares over the past year, up 105% 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 | — |
HAFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | 1.0x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | 1.0x | Healthy |
| Q3 2024 | 1.3x | Healthy |
HAFC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HAFC.
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 HAFC on leverage, with a lower net debt burden relative to earnings.
HAFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.2 | Neutral |
| Stochastic | 62.8 | Neutral |
HAFC's weekly RSI is 59 (neutral) and its Stochastic is 63 (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).
HAFC PE vs Financial Services Sector
| Metric | HAFC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 60 | 63 | 3 pts below |
HAFC 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.
HAFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.0 | 1.8% above |
| 20 week MA | $32.0 | 1.8% above |
| 50 week MA | $29.8 | 9.1% above |
| 100 week MA | $26.9 | 21% above |
| 200 week MA | $22.5 | 44% above |
HAFC 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.
HAFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.9 | $11.5 | -42% |
| 2021 | $11.5 | $22.8 | +98% |
| 2022 | $22.8 | $24.7 | +8.4% |
| 2023 | $24.7 | $19.4 | -22% |
| 2024 | $19.4 | $23.4 | +21% |
| 2025 | $23.4 | $27.8 | +19% |
| 2026 YTD | $27.8 | $32.5 | +17% |
HAFC 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.