MKL
Markel Corporation
MKL has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MKL overall, supported by stronger modeled upside and stronger valuation.
MKL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
MKL'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 MKL.
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.
MKL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $1,086 | -45% |
| Fair | 10x | $1,458 | -26% |
| Current | 14x | $1,962 | — |
| Forward | 17x | $1,962 | — |
| Expensive | 30x | $4,191 | +114% |
Historical ranges are pointers, not guarantees.
MKL's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 17x.
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 MKL in the historical PE scenario, which offers more potential upside but is not a forecast.
MKL Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect MKL's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over MKL on the outlook, with more favorable valuation and revenue expectations.
MKL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $118.42 | -16% |
| Q3 2026 | $140.23 | -12% |
| Q2 2026 | $181.33 | +8.6% |
| Q1 2026 | $138.24 | +1.7% |
| Q4 2025 | $169.22 | -15% |
| Q3 2025 | $160.02 | -26% |
| Q2 2025 | $167.02 | +8.7% |
| Q1 2025 | $135.97 | -27% |
| Q4 2024 | $199.32 | +36% |
MKL's earnings per share have fallen from their peak: $140.23 over the past year, against $216.79 in late 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 MKL on earnings, with more consistent year-over-year improvement.
MKL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4.2B | +5.7% |
| Q2 2026 | $4B | -13% |
| Q1 2026 | $3.6B | +4.5% |
| Q4 2025 | $4B | +4.3% |
| Q3 2025 | $3.9B | -15% |
| Q2 2025 | $4.6B | +24% |
| Q1 2025 | $3.4B | -24% |
| Q4 2024 | $3.8B | -17% |
MKL's revenue grew through 2024 and has held roughly level since: $4.2B last quarter, up 5.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.2% | -17 points |
| Q2 2026 | 39% | +15 points |
| Q1 2026 | -7.7% | -16 points |
| Q4 2025 | 20% | +4.3 points |
| Q3 2025 | 26% | -4.1 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 8.3% | -22 points |
| Q4 2024 | 16% | -8.9 points |
MKL's operating margin was 9.2% last quarter, down 16 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 MKL 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 MKL on profitability, with a higher operating margin.
MKL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $849.5M | -27% |
| Q2 2026 | $384.5M | -15% |
| Q1 2026 | -$31.4M | -109% |
| Q4 2025 | $599.1M | +43% |
| Q3 2025 | $1.2B | +39% |
| Q2 2025 | $453.8M | -13% |
| Q1 2025 | $335.5M | -40% |
| Q4 2024 | $420M | -42% |
MKL 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.
MKL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -145K shares |
| 1 year | -1.2% | -155K shares |
| 3 years | -6.7% | -898K shares |
| 5 years | -9.7% | -1.3M shares |
| Available history | -10% | -1.4M shares |
MKL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $314.7M |
| Q2 2026 | $236.7M |
| Q1 2026 | $133.9M |
| Q4 2025 | $85.5M |
| Q3 2025 | $74.4M |
| Q2 2025 | $99.4M |
| Q1 2025 | $170.3M |
| Q4 2024 | $183.6M |
MKL spent $771M buying back its own shares over the past year, up 46% 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 | — |
MKL 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.
MKL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.1 | Neutral |
| Stochastic | 71.7 | Neutral |
MKL's weekly RSI is 60 (neutral) and its Stochastic is 72 (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).
MKL PE vs Financial Services Sector
| Metric | MKL | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.5% above |
| PE % | 72 | 63 | 9 pts above |
MKL 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.
MKL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,839.6 | 6.7% above |
| 20 week MA | $1,861.0 | 5.4% above |
| 50 week MA | $1,928.6 | 1.7% above |
| 100 week MA | $1,914.7 | 2.5% above |
| 200 week MA | $1,694.0 | 16% above |
MKL 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.
MKL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $1,122.4 | $990.9 | -12% |
| 2021 | $990.9 | $1,208.7 | +22% |
| 2022 | $1,208.7 | $1,307.6 | +8.2% |
| 2023 | $1,307.6 | $1,419.9 | +8.6% |
| 2024 | $1,419.9 | $1,740.4 | +23% |
| 2025 | $1,740.4 | $2,181.5 | +25% |
| 2026 YTD | $2,181.5 | $1,962.1 | -10% |
MKL 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.