MBI
MBIA Inc.
There isn't enough reported data to score MBI 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.
MBI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Under pressure | |
| N/A | |
| N/A |
MBI's revenue is currently strong, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like MBI.
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.
MBI PE Valuation
MBI 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.
MBI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Decline | |
| -- | |
| Limited | |
| Moderate |
Analysts expect MBI's losses to shrink, with revenue declining.
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.
MBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.21 | +$0.43 |
| Q2 2026 | -$2.89 | +$1.76 |
| Q1 2026 | -$3.10 | +$5.78 |
| Q4 2025 | -$3.58 | +$5.86 |
| Q3 2025 | -$3.64 | +$7.44 |
| Q2 2025 | -$4.65 | +$9.19 |
| Q1 2025 | -$8.88 | +$1.07 |
| Q4 2024 | -$9.44 | +$0.53 |
MBI is still losing money, but far less than before: $3.21 per share over the past year, against $13.84 at its worst in mid-2024.
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 MBI on earnings quality, reporting a profit while its opponent remains loss making.
MBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26M | +73% |
| Q2 2026 | $27M | +17% |
| Q1 2026 | $24M | +71% |
| Q4 2025 | $28M | -24% |
| Q3 2025 | $15M | -48% |
| Q1 2025 | $14M | +7.7% |
| Q3 2024 | $29M | +263% |
| Q1 2024 | $13M | +550% |
MBI's revenue is recovering but still below its 2020 peak: $26M last quarter, up 73% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -88% | -42 points |
| Q2 2026 | -159% | +84 points |
| Q1 2026 | -171% | +272 points |
| Q4 2025 | -200% | -65 points |
| Q3 2025 | -47% | +129 points |
| Q2 2025 | -243% | N/A |
| Q1 2025 | -443% | +226 points |
| Q4 2024 | -135% | N/A |
MBI's operating margin was −88% last quarter, down 42 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 MBI 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 MBI on profitability, with a higher operating margin.
MBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$73M | -181% |
| Q2 2026 | -$4M | -500% |
| Q1 2026 | -$33M | +$10M |
| Q4 2025 | -$10M | -433% |
| Q3 2025 | $90M | +$229M |
| Q2 2025 | $1M | +$11M |
| Q1 2025 | -$43M | -$13M |
| Q4 2024 | $3M | +$5M |
MBI has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
MBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +64.9K shares |
| 1 year | +1.3% | +665K shares |
| 3 years | +6.9% | +3.3M shares |
| 5 years | +1.4% | +710K shares |
| Available history | -38% | -30.8M shares |
MBI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $1M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $7M |
| Q4 2024 | — |
MBI spent $1M buying back its own shares over the past year, down 86% 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 | — |
MBI Net Leverage
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.
MBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.6 | Neutral |
| Stochastic | 33.3 | Neutral |
MBI's weekly RSI is 40 (neutral) and its Stochastic is 33 (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).
MBI PE vs Financial Services Sector
MBI 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.
MBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.49 | 4.2% above |
| 20 week MA | $5.01 | 6.6% below |
| 50 week MA | $5.82 | 20% below |
| 100 week MA | $5.88 | 20% below |
| 200 week MA | $6.60 | 29% below |
MBI has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 29% below its 200-week average.
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.
MBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.26 | $6.95 | -25% |
| 2021 | $6.95 | $12.4 | +79% |
| 2022 | $12.4 | $12.9 | +3.7% |
| 2023 | $12.9 | $6.12 | -53% |
| 2024 | $6.12 | $6.10 | -0.3% |
| 2025 | $6.10 | $7.12 | +17% |
| 2026 YTD | $7.12 | $4.68 | -34% |
MBI 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.