KRNY
Kearny Financial Corp.
KRNY has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over KRNY overall, supported by stronger modeled upside and stronger valuation.
KRNY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KRNY'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 KRNY.
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.
KRNY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $9.15 | — |
| Cheap | 12x | $6.89 | -25% |
| Fair | 15x | $8.97 | -1.9% |
| Current | 16x | $9.15 | — |
| Expensive | 20x | $11.37 | +24% |
Historical ranges are pointers, not guarantees.
KRNY's PE is in its fair range at 16x. If earnings grow as analysts expect, today's price would be 11x 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 KRNY in the historical PE scenario, which offers more potential upside but is not a forecast.
KRNY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KRNY, 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.
KRNY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +41% |
| Q3 2026 | $0.58 | +23% |
| Q2 2026 | $0.57 | +36% |
| Q1 2026 | $0.57 | +$1.71 |
| Q4 2025 | $0.52 | +$1.65 |
| Q3 2025 | $0.47 | +$1.92 |
| Q2 2025 | $0.42 | +$1.81 |
| Q1 2025 | -$1.14 | -556% |
| Q4 2024 | -$1.13 | -490% |
KRNY 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.
KRNY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.3M | +4% |
| Q2 2026 | $45.7M | +12% |
| Q1 2026 | $45.3M | +17% |
| Q4 2025 | $43.5M | +16% |
| Q3 2025 | $43.6M | +17% |
| Q2 2025 | $40.8M | +4.5% |
| Q1 2025 | $38.6M | +0.2% |
| Q4 2024 | $37.5M | +89% |
KRNY's revenue has grown year over year for eight quarters in a row: $45M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | +0.5 points |
| Q2 2026 | 24% | +4.1 points |
| Q1 2026 | 28% | +7.6 points |
| Q4 2025 | 27% | +6.2 points |
| Q3 2025 | 27% | +8.1 points |
| Q2 2025 | 20% | +253 points |
| Q1 2025 | 20% | -3.3 points |
| Q4 2024 | 21% | +82 points |
KRNY 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 KRNY 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.
KRNY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +520% |
| Q1 2026 | $7.9M | -53% |
| Q4 2025 | $14.3M | +$17M |
| Q3 2025 | $1.5M | -41% |
| Q1 2025 | $16.8M | -4.4% |
| Q4 2024 | -$2.7M | -139% |
| Q3 2024 | $2.5M | -79% |
| Q1 2024 | $17.6M | -17% |
KRNY has the stronger cash trend. Its trailing FCF is down 37% versus its history, compared with SOFI at down 107%.
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.
KRNY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +343K shares |
| 1 year | +1% | +612K shares |
| 3 years | +0.8% | +502K shares |
| 5 years | -15% | -11M shares |
| Available history | -23% | -19.3M shares |
KRNY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 | — |
KRNY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | 14.7x | High |
| Q3 2025 | 21.6x | High |
| Q2 2025 | 26.2x | High |
| Q1 2024 | 44.6x | High |
| Q4 2023 | 85.3x | High |
| Q3 2023 | 60.8x | High |
| Q2 2023 | 46.3x | High |
| Q1 2023 | 43.6x | High |
KRNY's net debt is about 15 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KRNY.
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.
KRNY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 19.3 | Oversold |
KRNY's weekly RSI is 52 (neutral) and its Stochastic is 19 (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).
KRNY PE vs Financial Services Sector
| Metric | KRNY | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 21% above |
| PE % | 55 | 63 | 8 pts below |
KRNY 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.
KRNY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.16 | 0.1% below |
| 20 week MA | $9.43 | 3% below |
| 50 week MA | $8.52 | 7.4% above |
| 100 week MA | $7.51 | 22% above |
| 200 week MA | $7.43 | 23% above |
KRNY 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.
KRNY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $10.6 | -23% |
| 2021 | $10.6 | $13.1 | +24% |
| 2022 | $13.1 | $10.3 | -21% |
| 2023 | $10.3 | $8.97 | -13% |
| 2024 | $8.97 | $7.07 | -21% |
| 2025 | $7.07 | $7.58 | +7.2% |
| 2026 YTD | $7.58 | $9.15 | +21% |
KRNY 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.