MRSH
Marsh & McLennan Companies, Inc.
MRSH has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MRSH overall, supported by stronger fundamentals and stronger modeled upside.
MRSH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
MRSH'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 MRSH.
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.
MRSH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 18x | $206 | — |
| Cheap | 24x | $197 | -4.3% |
| Current | 25x | $206 | — |
| Fair | 27x | $229 | +12% |
| Expensive | 30x | $254 | +23% |
Historical ranges are pointers, not guarantees.
MRSH's PE is in its cheap range at 25x. If earnings grow as analysts expect, today's price would be 18x 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 MRSH in the historical PE scenario, which offers more potential upside but is not a forecast.
MRSH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Moderate | |
| High |
Analysts expect earnings and revenue growth for MRSH, with profitability improving.
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.
MRSH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.25 | +35% |
| Q3 2026 | $8.36 | +0.4% |
| Q2 2026 | $8.18 | -1.8% |
| Q1 2026 | $8.00 | -1.8% |
| Q4 2025 | $8.43 | +3.1% |
| Q3 2025 | $8.33 | +2.6% |
| Q2 2025 | $8.33 | +3.1% |
| Q1 2025 | $8.15 | +3.4% |
| Q4 2024 | $8.18 | +8.6% |
MRSH 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.
MRSH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $6.9B | +8.1% |
| Q2 2026 | $7.4B | +6.2% |
| Q1 2026 | $7.6B | +7.6% |
| Q4 2025 | $6.6B | +8.7% |
| Q3 2025 | $6.4B | +11% |
| Q2 2025 | $7B | +12% |
| Q1 2025 | $7.1B | +9.1% |
| Q4 2024 | $6.1B | +9.2% |
MRSH's revenue has grown year over year for 15 quarters in a row: $6.9B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | -0.7 points |
| Q2 2026 | 26% | -0.6 points |
| Q1 2026 | 23% | -5.3 points |
| Q4 2025 | 18% | -0.3 points |
| Q3 2025 | 18% | -1 points |
| Q2 2025 | 26% | -0.2 points |
| Q1 2025 | 28% | -1.3 points |
| Q4 2024 | 19% | -1 points |
MRSH's operating margin was 18% last quarter, down 0.7 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 MRSH on sales, with stronger typical year-over-year growth.
| 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 MRSH on profitability, with a higher operating margin.
MRSH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.4B | -30% |
| Q2 2026 | $1.5B | -10% |
| Q1 2026 | -$750M | -$73M |
| Q4 2025 | $2.1B | +9.4% |
| Q3 2025 | $2B | +9.3% |
| Q2 2025 | $1.6B | +42% |
| Q1 2025 | -$677M | +$191M |
| Q4 2024 | $1.9B | +13% |
MRSH 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.
MRSH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -3M shares |
| 1 year | -3% | -15M shares |
| 3 years | -4% | -20M shares |
| 5 years | -6.6% | -34M shares |
| Available history | -6.3% | -32M shares |
MRSH has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $504M |
| Q2 2026 | $757M |
| Q1 2026 | $755M |
| Q4 2025 | $1B |
| Q3 2025 | $402M |
| Q2 2025 | $300M |
| Q1 2025 | $300M |
| Q4 2024 | — |
MRSH spent $3B buying back its own shares over the past year, about three 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 | — |
MRSH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.9x | Moderate |
| Q2 2026 | 3.0x | Moderate |
| Q1 2026 | 3.0x | Elevated |
| Q4 2025 | 2.6x | Moderate |
| Q3 2025 | 2.6x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.9x | Moderate |
| Q4 2024 | 2.7x | Moderate |
MRSH's net debt is about 2.9 years of its operating earnings (EBITDA), up from 2.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MRSH.
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 MRSH on leverage, with a lower net debt burden relative to earnings.
MRSH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.6 | Neutral |
| Stochastic | 85.8 | Overbought |
MRSH's weekly RSI is 67 (neutral) and its Stochastic is 86 (overbought).
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).
MRSH PE vs Financial Services Sector
| Metric | MRSH | Sector median | Relative |
|---|---|---|---|
| PE | 25x | 13x | 89% above |
| PE % | 22 | 63 | 41 pts below |
MRSH 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.
MRSH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $189.2 | 8.7% above |
| 20 week MA | $186.3 | 10% above |
| 50 week MA | $179.6 | 15% above |
| 100 week MA | $196.4 | 4.7% above |
| 200 week MA | $197.1 | 4.4% above |
MRSH 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.
MRSH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $112.0 | $115.1 | +2.8% |
| 2021 | $115.1 | $170.6 | +48% |
| 2022 | $170.6 | $165.6 | -2.9% |
| 2023 | $165.6 | $189.5 | +14% |
| 2024 | $189.5 | $213.5 | +13% |
| 2025 | $213.5 | $187.0 | -12% |
| 2026 YTD | $187.0 | $205.7 | +10% |
MRSH 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.