HBCP
Home Bancorp, Inc.
HBCP has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HBCP overall, supported by stronger valuation and stronger fundamentals.
HBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
HBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HBCP.
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.
HBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.2x | $40.80 | -34% |
| Fair | 9.8x | $55.58 | -9.8% |
| Forward | 10x | $61.62 | — |
| Expensive | 11x | $64.91 | +5.3% |
| Current | 11x | $61.62 | — |
Historical ranges are pointers, not guarantees.
HBCP's PE is in its expensive range at 11x. On analysts' estimates for next year's earnings, today's price would be 10x, in its fair 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 HBCP in the historical PE scenario, which offers more potential upside but is not a forecast.
HBCP Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HBCP's revenue to grow, but its profitability to weaken.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over HBCP on the outlook, with more favorable valuation and earnings expectations.
HBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.92 | +4.4% |
| Q3 2026 | $5.67 | +0.9% |
| Q2 2026 | $5.98 | +15% |
| Q1 2026 | $5.95 | +24% |
| Q4 2025 | $5.87 | +29% |
| Q3 2025 | $5.62 | +25% |
| Q2 2025 | $5.21 | +15% |
| Q1 2025 | $4.78 | +0.8% |
| Q4 2024 | $4.55 | -8.8% |
HBCP 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.
HBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +6% |
| Q2 2026 | $39.7M | +7.2% |
| Q1 2026 | $38.2M | +6.9% |
| Q4 2025 | $38M | +8% |
| Q3 2025 | $37.8M | +11% |
| Q2 2025 | $37.1M | +12% |
| Q1 2025 | $35.8M | +10% |
| Q4 2024 | $35.2M | +7.5% |
HBCP's revenue has grown year over year for nine quarters in a row: $40M last quarter, up 6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -9.2 points |
| Q2 2026 | 36% | -2 points |
| Q1 2026 | 38% | -1 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 41% | +6.8 points |
| Q2 2025 | 38% | +7.8 points |
| Q1 2025 | 39% | +3.3 points |
| Q4 2024 | 34% | -1 points |
HBCP 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 HBCP 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.
HBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $23.5M | +14% |
| Q2 2026 | $9.3M | +18% |
| Q1 2026 | $14.5M | +66% |
| Q4 2025 | $7.1M | +34% |
| Q3 2025 | $20.7M | +22% |
| Q2 2025 | $7.9M | -41% |
| Q1 2025 | $8.7M | -4.1% |
| Q4 2024 | $5.3M | -45% |
HBCP 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.
HBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +21K shares |
| 1 year | +1.2% | +91K shares |
| 3 years | -2.1% | -165K shares |
| 5 years | -6.3% | -532K shares |
| Available history | -14% | -1.3M shares |
HBCP has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25,000 |
| Q2 2026 | $182,000 |
| Q1 2026 | $249,000 |
| Q4 2025 | $42,000 |
| Q3 2025 | $5,000 |
| Q2 2025 | $6.5M |
| Q1 2025 | $7.8M |
| Q4 2024 | $88,000 |
HBCP spent $498,000 buying back its own shares over the past year, down 97% 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 | — |
HBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.7x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -0.8x | Net Cash |
HBCP has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HBCP.
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 HBCP on leverage, with a lower net debt burden relative to earnings.
HBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 23.4 | Neutral |
HBCP's weekly RSI is 38 (neutral) and its Stochastic is 23 (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).
HBCP PE vs Financial Services Sector
| Metric | HBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 76 | 63 | 13 pts above |
HBCP 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.
HBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $63.9 | 3.6% below |
| 20 week MA | $67.5 | 8.8% below |
| 50 week MA | $64.2 | 4% below |
| 100 week MA | $57.4 | 7.4% above |
| 200 week MA | $47.7 | 29% above |
HBCP 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.
HBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.8 | $28.8 | -26% |
| 2021 | $28.8 | $41.9 | +46% |
| 2022 | $41.9 | $40.8 | -2.5% |
| 2023 | $40.8 | $42.0 | +3% |
| 2024 | $42.0 | $46.1 | +9.8% |
| 2025 | $46.1 | $59.4 | +29% |
| 2026 YTD | $59.4 | $61.6 | +3.8% |
HBCP 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.