MFIN
Medallion Financial Corp.
MFIN trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MFIN overall, supported by stronger valuation and stronger modeled upside.
MFIN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
MFIN's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like MFIN.
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.
MFIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $3.91 | -58% |
| Fair | 4.7x | $5.18 | -45% |
| Expensive | 6.7x | $7.41 | -21% |
| Current | 8.4x | $9.34 | — |
| Forward | 9.6x | $9.34 | — |
Historical ranges are pointers, not guarantees.
MFIN's PE is in its expensive range at 8.4x. Analysts expect earnings to fall, which would put today's price at 9.6x next year's earnings.
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 MFIN in the historical PE scenario, which offers more potential upside but is not a forecast.
MFIN Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Strong decline | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect MFIN's revenue to grow, but its earnings and profitability to decline. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over MFIN on the outlook, with more favorable valuation and earnings expectations.
MFIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.97 | -12% |
| Q3 2026 | $1.11 | -35% |
| Q2 2026 | $1.33 | -24% |
| Q1 2026 | $1.48 | -7.5% |
| Q4 2025 | $1.78 | +17% |
| Q3 2025 | $1.71 | +1.2% |
| Q2 2025 | $1.76 | -2.2% |
| Q1 2025 | $1.60 | -25% |
| Q4 2024 | $1.52 | -36% |
MFIN's earnings per share have fallen from their peak: $1.11 over the past year, against $2.37 in late 2023.
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 MFIN on earnings, with more consistent year-over-year improvement.
MFIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $61.8M | +5.2% |
| Q2 2026 | $61.7M | -1.4% |
| Q1 2026 | $56.5M | -10% |
| Q4 2025 | $70.6M | +25% |
| Q3 2025 | $58.7M | +10% |
| Q2 2025 | $62.6M | +23% |
| Q1 2025 | $63M | +18% |
| Q4 2024 | $56.3M | +8.2% |
MFIN's revenue is growing: $62M last quarter, up 5.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -22 points |
| Q2 2026 | 23% | -7.6 points |
| Q1 2026 | 21% | -12 points |
| Q4 2025 | 29% | -3.5 points |
| Q3 2025 | 33% | +6.6 points |
| Q2 2025 | 31% | +6.8 points |
| Q1 2025 | 32% | -1.4 points |
| Q4 2024 | 33% | -9.8 points |
MFIN's operating margin was 11% last quarter, down 22 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 MFIN 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 MFIN on profitability, with a higher operating margin.
MFIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $44.6M | -33% |
| Q2 2026 | $17.5M | +$28.2M |
| Q1 2026 | $41.3M | +14% |
| Q4 2025 | $33.8M | +19% |
| Q3 2025 | $67M | +146% |
| Q2 2025 | -$10.7M | -139% |
| Q1 2025 | $36.3M | +12% |
| Q4 2024 | $28.4M | +45% |
MFIN 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.
MFIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.5% | -366K shares |
| 1 year | -3.2% | -790K shares |
| 3 years | +1.1% | +254K shares |
| 5 years | -5.4% | -1.3M shares |
| Available history | -2.9% | -696K shares |
MFIN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.6M |
| Q2 2026 | $7.7M |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $455,000 |
| Q1 2025 | $531,000 |
| Q4 2024 | — |
MFIN spent $13M buying back its own shares over the past year, more than ten times what it spent 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 | — |
MFIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.6x | Elevated |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | 2.2x | Moderate |
| Q4 2025 | 2.1x | Moderate |
| Q3 2025 | 2.7x | Moderate |
| Q2 2025 | 2.3x | Moderate |
| Q1 2025 | 2.6x | Moderate |
| Q4 2024 | 2.8x | Moderate |
MFIN's net debt is about 3.6 years of its operating earnings (EBITDA), up from 2.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MFIN.
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 MFIN on leverage, with a lower net debt burden relative to earnings.
MFIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.5 | Neutral |
| Stochastic | 12.1 | Oversold |
MFIN's weekly RSI is 36 (neutral) and its Stochastic is 12 (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).
MFIN PE vs Financial Services Sector
| Metric | MFIN | Sector median | Relative |
|---|---|---|---|
| PE | 8.4x | 13x | 35% below |
| PE % | 85 | 63 | 22 pts above |
MFIN 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.
MFIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.0 | 15% below |
| 20 week MA | $11.0 | 15% below |
| 50 week MA | $10.2 | 8.8% below |
| 100 week MA | $9.84 | 5.1% below |
| 200 week MA | $9.02 | 3.5% above |
MFIN has fallen below most of its moving averages, though it's still 3.5% above 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.
MFIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.15 | $5.20 | -27% |
| 2021 | $5.20 | $8.45 | +62% |
| 2022 | $8.45 | $6.91 | -18% |
| 2023 | $6.91 | $9.85 | +43% |
| 2024 | $9.85 | $9.37 | -4.9% |
| 2025 | $9.37 | $10.6 | +13% |
| 2026 YTD | $10.6 | $9.34 | -12% |
MFIN 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.