MBBC
Marathon Bancorp, Inc.
MBBC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MBBC overall, supported by stronger modeled upside and stronger valuation.
MBBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MBBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MBBC.
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.
MBBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 23x | $14.90 | — |
| Cheap | 35x | $22.80 | +53% |
| Fair | 55x | $35.52 | +138% |
| Expensive | 155x | $101 | +575% |
Historical ranges are pointers, not guarantees.
MBBC has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
MBBC Forward outlook
There aren't enough analyst estimates for MBBC 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.
MBBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.65 | +829% |
| Q2 2026 | $0.66 | +$0.69 |
| Q1 2026 | $0.37 | +118% |
| Q4 2025 | $0.24 | +$0.34 |
| Q3 2025 | $0.07 | +$0.10 |
| Q2 2025 | -$0.03 | +$0.04 |
| Q1 2025 | $0.17 | +143% |
| Q4 2024 | -$0.10 | -124% |
MBBC 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.
MBBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.5M | +16% |
| Q2 2026 | $2.3M | +22% |
| Q1 2026 | $2.3M | +38% |
| Q4 2025 | $2.2M | +42% |
| Q3 2025 | $2.1M | +33% |
| Q2 2025 | $1.9M | +23% |
| Q1 2025 | $1.7M | +7.6% |
| Q4 2024 | $1.6M | -4.6% |
MBBC's revenue has grown year over year for seven quarters in a row: $2M last quarter, up 16% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | -2.6 points |
| Q2 2026 | 17% | +40 points |
| Q1 2026 | 26% | +15 points |
| Q4 2025 | 26% | +23 points |
| Q3 2025 | 26% | +12 points |
| Q2 2025 | -23% | -27 points |
| Q1 2025 | 12% | +65 points |
| Q4 2024 | 3.3% | -11 points |
MBBC's operating margin was 23% last quarter, down 2.6 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 MBBC 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'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.
MBBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.6M | +242% |
| Q2 2026 | $54.1K | +$584.3K |
| Q1 2026 | $110.1K | -86% |
| Q4 2025 | $1.4M | +1233% |
| Q3 2025 | $456.6K | -50% |
| Q2 2025 | -$530.3K | -353% |
| Q1 2025 | $773.2K | +$1.8M |
| Q4 2024 | $105K | -62% |
MBBC 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.
MBBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.9% | +52.8K shares |
| 1 year | +3.4% | +91.6K shares |
| 3 years | -4% | -116K shares |
| 5 years | -5.4% | -158K shares |
MBBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $148,875 |
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 | — |
MBBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 7.0x | High |
| Q1 2026 | 13.8x | High |
| Q4 2025 | 14.3x | High |
| Q3 2025 | 19.7x | High |
| Q2 2025 | 41.7x | High |
| Q1 2025 | 16.6x | High |
| Q1 2024 | 34.2x | High |
MBBC's net debt is about 1.3 years of its operating earnings (EBITDA), down from 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MBBC.
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 MBBC on leverage, with a lower net debt burden relative to earnings.
MBBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.4 | Neutral |
| Stochastic | 47.1 | Neutral |
MBBC's weekly RSI is 53 (neutral) and its Stochastic is 47 (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).
MBBC PE vs Financial Services Sector
| Metric | MBBC | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 76% above |
| PE % | 11 | 19 | 8 pts below |
MBBC 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.
MBBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.9 | 0.3% above |
| 20 week MA | $15.0 | 0.7% below |
| 50 week MA | $14.1 | 5.4% above |
MBBC has stronger trend alignment. MBBC is above 2 of 3 weekly averages versus SOFI above 1 of 5.
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.
MBBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $7.49 | $12.2 | +63% |
| 2026 YTD | $12.2 | $14.9 | +22% |
MBBC 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.