MCY
Mercury General Corporation
MCY has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MCY overall, supported by stronger modeled upside and stronger fundamentals.
MCY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
MCY'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 MCY.
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.
MCY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $74.50 | -14% |
| Current | 7.4x | $86.41 | — |
| Forward | 7.6x | $86.41 | — |
| Fair | 10x | $119 | +37% |
| Expensive | 13x | $152 | +76% |
Historical ranges are pointers, not guarantees.
MCY's PE is in its fair range at 7.4x. On analysts' estimates for next year's earnings, today's price would be 7.6x.
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 MCY in the historical PE scenario, which offers more potential upside but is not a forecast.
MCY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect MCY's revenue to grow, but its profitability to weaken.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over MCY on the outlook, with more favorable valuation and earnings expectations.
MCY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.41 | -1.7% |
| Q3 2026 | $11.61 | +46% |
| Q2 2026 | $16.92 | +140% |
| Q1 2026 | $15.17 | +194% |
| Q4 2025 | $9.77 | +16% |
| Q3 2025 | $7.93 | -21% |
| Q2 2025 | $7.04 | +22% |
| Q1 2025 | $5.16 | +33% |
| Q4 2024 | $8.45 | +386% |
MCY 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.
MCY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | -13% |
| Q2 2026 | $1.7B | +14% |
| Q1 2026 | $1.5B | +10% |
| Q4 2025 | $1.5B | +12% |
| Q3 2025 | $1.6B | +3.6% |
| Q2 2025 | $1.5B | +13% |
| Q1 2025 | $1.4B | +9.4% |
| Q4 2024 | $1.4B | -0.6% |
MCY's revenue is growing: $1.4B last quarter, down 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -1.7% | -24 points |
| Q2 2026 | 19% | +5.5 points |
| Q1 2026 | 15% | +26 points |
| Q4 2025 | 16% | +7.2 points |
| Q3 2025 | 22% | +3.3 points |
| Q2 2025 | 14% | +8.2 points |
| Q1 2025 | -10% | -17 points |
| Q4 2024 | 9% | -8.3 points |
MCY's operating margin was −1.7% last quarter, down 24 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 MCY 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 MCY on profitability, with a higher operating margin.
MCY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $372.6M | -22% |
| Q2 2026 | $201.6M | -44% |
| Q1 2026 | $308.8M | +$390.7M |
| Q4 2025 | $273.9M | +16% |
| Q3 2025 | $479.5M | +57% |
| Q2 2025 | $357.2M | +34% |
| Q1 2025 | -$81.9M | -145% |
| Q4 2024 | $236M | +9.5% |
MCY 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.
MCY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | 0% | +18K shares |
| 5 years | 0% | +14K shares |
| Available history | +0.1% | +29K shares |
MCY 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 | — |
MCY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -1.2x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.1x | Net Cash |
| Q1 2025 | -3.1x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
MCY has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like MCY.
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 MCY on leverage, with a lower net debt burden relative to earnings.
MCY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.0 | Neutral |
| Stochastic | 19.1 | Oversold |
MCY's weekly RSI is 34 (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).
MCY PE vs Financial Services Sector
| Metric | MCY | Sector median | Relative |
|---|---|---|---|
| PE | 7.4x | 13x | 43% below |
| PE % | 32 | 63 | 31 pts below |
MCY 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.
MCY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.7 | 12% below |
| 20 week MA | $102.7 | 16% below |
| 50 week MA | $97.3 | 11% below |
| 100 week MA | $81.9 | 5.5% above |
| 200 week MA | $63.2 | 37% above |
MCY 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.
MCY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.6 | $51.8 | +6.6% |
| 2021 | $51.8 | $51.2 | -1.2% |
| 2022 | $51.2 | $33.5 | -35% |
| 2023 | $33.5 | $37.3 | +12% |
| 2024 | $37.3 | $67.0 | +80% |
| 2025 | $67.0 | $94.0 | +40% |
| 2026 YTD | $94.0 | $86.4 | -8% |
MCY 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.