HGTY
Hagerty, Inc.
HGTY's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HGTY overall, supported by stronger modeled upside and stronger valuation.
HGTY Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
HGTY's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like HGTY.
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.
HGTY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $15.80 | — |
| Cheap | 43x | $2.60 | -84% |
| Fair | 50x | $3.00 | -81% |
| Expensive | 138x | $8.26 | -48% |
| Current | 244x | $15.80 | — |
Historical ranges are pointers, not guarantees.
HGTY's PE is in its expensive range at 244x. If earnings grow as analysts expect, today's price would be 30x next year's earnings, 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 HGTY in the historical PE scenario, which offers more potential upside but is not a forecast.
HGTY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Returning to profit | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect HGTY to return to profit, with revenue growing. However, they disagree widely on these estimates.
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.
HGTY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.53 | +775% |
| Q3 2026 | $0.06 | -79% |
| Q2 2026 | $0.09 | -57% |
| Q1 2026 | $0.20 | -4.8% |
HGTY earned $0.06 per share over the past year, down 79% 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 has the edge over HGTY in the latest year-over-year earnings comparison.
HGTY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $354.2M | -6.8% |
| Q2 2026 | $354.8M | -3.8% |
| Q1 2026 | $311.8M | -2.4% |
| Q4 2025 | $357.3M | +22% |
| Q3 2025 | $380M | +18% |
| Q2 2025 | $368.7M | +18% |
| Q1 2025 | $319.6M | +18% |
| Q4 2024 | $291.7M | +19% |
HGTY's revenue has held roughly level: $354M last quarter, down 6.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +2.7 points |
| Q2 2026 | 0.6% | -12 points |
| Q1 2026 | -6.7% | -15 points |
| Q4 2025 | 11% | +9 points |
| Q3 2025 | 9% | +5.9 points |
| Q2 2025 | 13% | +0.8 points |
| Q1 2025 | 8.1% | +3.6 points |
| Q4 2024 | 2.1% | +4.7 points |
HGTY's operating margin was 12% last quarter, up 2.7 points from the same quarter a year ago.
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 HGTY 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 HGTY on profitability, with a higher operating margin.
HGTY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.4M | +1.4% |
| Q2 2026 | $161.7M | +239% |
| Q1 2026 | $8.5M | -78% |
| Q4 2025 | $23.1M | +$39.7M |
| Q3 2025 | $85.2M | +37% |
| Q2 2025 | $47.7M | -16% |
| Q1 2025 | $38.4M | -28% |
| Q4 2024 | -$16.7M | -$13.3M |
HGTY 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.
HGTY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -3.1M shares |
| 1 year | -0.7% | -2.3M shares |
| 3 years | +1.1% | +3.8M shares |
| 5 years | +1065% | +314M shares |
HGTY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2026 | — |
| Q4 2025 | — |
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 | — |
HGTY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.1x | Very low |
| Q1 2025 | 0.0x | Very low |
| Q4 2024 | 0.0x | Very low |
HGTY has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HGTY.
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 HGTY on leverage, with a lower net debt burden relative to earnings.
HGTY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.8 | Neutral |
| Stochastic | 74.7 | Neutral |
HGTY's weekly RSI is 63 (neutral) and its Stochastic is 75 (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).
HGTY PE vs Financial Services Sector
| Metric | HGTY | Sector median | Relative |
|---|---|---|---|
| PE | 244x | 13x | 1,776% above |
| PE % | 99 | 66 | 33 pts above |
HGTY is trading at 244x earnings, a 1776% 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 HGTY on valuation relative to its sector.
HGTY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.2 | 3.9% above |
| 20 week MA | $13.8 | 15% above |
| 50 week MA | $12.4 | 27% above |
| 100 week MA | $11.4 | 38% above |
| 200 week MA | $10.4 | 52% above |
HGTY 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.
HGTY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $9.77 | $13.7 | +40% |
| 2022 | $13.7 | $7.95 | -42% |
| 2023 | $7.95 | $7.80 | -1.9% |
| 2024 | $7.80 | $9.83 | +26% |
| 2025 | $9.83 | $13.8 | +41% |
| 2026 YTD | $13.8 | $15.8 | +14% |
HGTY 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.