MGYR
Magyar Bancorp, Inc.
There isn't enough reported data to score MGYR 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.
MGYR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
MGYR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MGYR.
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.
MGYR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.6x | $17.80 | -19% |
| Fair | 11x | $20.61 | -6.1% |
| Current | 11x | $21.94 | — |
| Expensive | 21x | $38.43 | +75% |
Historical ranges are pointers, not guarantees.
MGYR's PE is 11x, but its earnings don't support one, so it isn't a reliable read right now.
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 MGYR in the historical PE scenario, which offers more potential upside but is not a forecast.
MGYR Forward outlook
There aren't enough analyst estimates for MGYR 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.
MGYR Earnings Per Share
MGYR and SOFI do not have enough comparable growth data to identify a winner.
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.
MGYR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $9.4M | +15% |
| Q1 2026 | $9.2M | +17% |
| Q4 2025 | $8.9M | +19% |
| Q3 2025 | $8.4M | +20% |
| Q2 2025 | $8.2M | +14% |
| Q1 2025 | $7.9M | +4.4% |
| Q4 2024 | $7.4M | -5.2% |
| Q3 2024 | $7M | -10% |
MGYR's revenue has grown year over year for six quarters in a row: $9M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +3.7 points |
| Q1 2026 | 46% | -1.7 points |
| Q4 2025 | 48% | +9.5 points |
| Q3 2025 | 44% | -15 points |
| Q2 2025 | 42% | +12 points |
| Q1 2025 | 48% | +16 points |
| Q4 2024 | 39% | +8.9 points |
| Q3 2024 | 59% | +22 points |
MGYR 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 MGYR 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.
MGYR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.8M | +115% |
| Q1 2026 | $2.9M | +27% |
| Q4 2025 | $3.7M | +45% |
| Q3 2025 | $2.8M | +227% |
| Q2 2025 | $2.2M | +31% |
| Q1 2025 | $2.3M | +312% |
| Q4 2024 | $2.5M | -21% |
| Q2 2022 | $3.8M | +186% |
MGYR 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.
MGYR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -6.3K shares |
| 1 year | +0.9% | +55.3K shares |
| 3 years | -1.9% | -125K shares |
| 5 years | -11% | -808K shares |
| Available history | -12% | -820K shares |
MGYR 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 | — |
MGYR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 2.2x | Moderate |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 0.9x | Very low |
| Q3 2025 | 2.9x | Moderate |
| Q2 2025 | 1.9x | Healthy |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -2.2x | Net Cash |
| Q3 2024 | 0.3x | Very low |
MGYR's net debt is about 2.2 years of its operating earnings (EBITDA), up from 1.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MGYR.
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 MGYR on leverage, with a lower net debt burden relative to earnings.
MGYR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.5 | Overbought |
| Stochastic | 73.3 | Neutral |
MGYR's weekly RSI is 74 (overbought) and its Stochastic is 73 (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).
MGYR PE vs Financial Services Sector
| Metric | MGYR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 48 | 63 | 15 pts below |
MGYR 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.
MGYR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.4 | 7.3% above |
| 20 week MA | $19.5 | 13% above |
| 50 week MA | $18.3 | 20% above |
| 100 week MA | $17.0 | 29% above |
| 200 week MA | $14.2 | 55% above |
MGYR 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.
MGYR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.3 | $7.88 | -23% |
| 2021 | $7.88 | $12.4 | +57% |
| 2022 | $12.4 | $12.9 | +4.5% |
| 2023 | $12.9 | $11.2 | -13% |
| 2024 | $11.2 | $14.7 | +31% |
| 2025 | $14.7 | $17.5 | +19% |
| 2026 YTD | $17.5 | $21.9 | +26% |
MGYR 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.