ICMB
Investcorp Credit Management BDC, Inc.
There isn't enough reported data to score ICMB yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
ICMB Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
ICMB's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like ICMB.
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.
ICMB PE Valuation
ICMB has no meaningful PE right now: it lost money over the past year.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
ICMB Forward outlook
There aren't enough analyst estimates for ICMB to show an outlook.
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.
ICMB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$1.65 | -$1.64 |
| Q2 2026 | -$1.41 | -361% |
| Q1 2026 | -$1.36 | -409% |
| Q4 2025 | -$0.61 | -233% |
| Q3 2025 | -$0.01 | -103% |
| Q2 2025 | $0.54 | +$0.82 |
| Q1 2025 | $0.44 | +$0.45 |
| Q4 2024 | $0.46 | +$0.72 |
ICMB lost $1.65 per share over the past year, and its loss has widened in each of the last five quarters.
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 ICMB on earnings quality, reporting a profit while its opponent remains loss making.
ICMB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2022 | $6.8M | +9.2% |
| Q3 2022 | $6.3M | -2.8% |
| Q2 2022 | $5.8M | -12% |
| Q1 2022 | $5.9M | -1.6% |
| Q4 2021 | $6.2M | -12% |
| Q3 2021 | $6.5M | -7% |
| Q2 2021 | $6.6M | -13% |
| Q1 2021 | $6M | -32% |
SOFI has the stronger quarterly revenue trend. Revenue is down 88% for ICMB versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2024 | 222% | N/A |
| Q4 2022 | 70% | +4.1 points |
| Q3 2022 | 69% | +1.6 points |
| Q2 2022 | 73% | +8.8 points |
| Q1 2022 | 64% | -0.2 points |
| Q4 2021 | 66% | -2.4 points |
| Q3 2021 | 68% | -0.1 points |
| Q2 2021 | 64% | -2.3 points |
ICMB's operating margin was 222% last quarter, up 159 points from the same quarter a year ago, near the top 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.
ICMB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.9M | +125% |
| Q2 2026 | $9.3M | +$16M |
| Q1 2026 | $10.8M | +113% |
| Q4 2025 | $12M | +$19.2M |
| Q3 2025 | $1.3M | +167% |
| Q2 2025 | -$6.7M | -161% |
| Q1 2025 | $5.1M | -63% |
| Q4 2024 | -$7.2M | -576% |
ICMB 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.
ICMB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | +1.3K shares |
| 3 years | +0.3% | +39.8K shares |
| 5 years | +2.6% | +366K shares |
| Available history | +5.6% | +764K shares |
ICMB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 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 | — |
ICMB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2022 | 7.5x | High |
| Q3 2022 | 9.1x | High |
| Q2 2022 | 8.7x | High |
| Q1 2022 | 10.1x | High |
| Q4 2021 | 9.6x | High |
| Q3 2021 | 8.9x | High |
| Q2 2021 | 9.0x | High |
| Q1 2021 | 7.4x | High |
ICMB's net debt is about 7.5 years of its operating earnings (EBITDA), down from 9.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ICMB.
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.
ICMB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.1 | Neutral |
| Stochastic | 41.8 | Neutral |
ICMB's weekly RSI is 50 (neutral) and its Stochastic is 42 (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).
ICMB PE vs Financial Services Sector
| Metric | ICMB | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
ICMB has no meaningful PE right now: it lost money over the past year.
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.
ICMB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.76 | 39% above |
| 20 week MA | $0.82 | 29% above |
| 50 week MA | $1.63 | 35% below |
| 100 week MA | $2.28 | 54% below |
| 200 week MA | $2.89 | 63% below |
ICMB 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.
ICMB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.75 | $4.48 | -34% |
| 2021 | $4.48 | $4.86 | +8.5% |
| 2022 | $4.86 | $3.65 | -25% |
| 2023 | $3.65 | $3.56 | -2.5% |
| 2024 | $3.56 | $3.05 | -14% |
| 2025 | $3.05 | $2.70 | -11% |
| 2026 YTD | $2.70 | $1.06 | -61% |
ICMB has finished four years in a row lower, and it's down 61% so far in 2026.
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 has the edge over ICMB on returns for 2026, with the stronger performance.