MUFG
Mitsubishi UFJ Financial Group, Inc.
There isn't enough reported data to score MUFG 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.
MUFG Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
MUFG's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like MUFG.
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.
MUFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $7.85 | -64% |
| Fair | 16x | $15.03 | -31% |
| Expensive | 23x | $22.25 | +2.3% |
| Current | 23x | $21.75 | — |
Historical ranges are pointers, not guarantees.
MUFG's PE is 23x, 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 MUFG in the historical PE scenario, which offers more potential upside but is not a forecast.
MUFG Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for MUFG, 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.
MUFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2026 | $0.95 | +40% |
| Q1 2025 | $0.68 | -1.4% |
| Q1 2024 | $0.69 | +130% |
| Q3 2023 | $0.93 | +$1.84 |
| Q1 2023 | $0.30 | +$0.34 |
| Q3 2022 | -$0.91 | -275% |
| Q1 2022 | -$0.04 | -107% |
| Q3 2021 | $0.52 | +126% |
MUFG has the edge over SOFI in the latest year-over-year earnings comparison.
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.
MUFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $19B | +59% |
| Q3 2025 | $18.5B | +1.7% |
| Q1 2025 | $11.9B | -60% |
| Q3 2024 | $18.2B | +16% |
| Q1 2024 | $29.9B | +120% |
| Q3 2023 | $15.7B | +6.8% |
| Q1 2023 | $13.6B | +6.1% |
| Q3 2022 | $14.7B | +16% |
MUFG's revenue has slid since its 2024 peak: $19B last quarter, down 36% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2026 | 36% | -2.7 points |
| Q3 2025 | 43% | +0.1 points |
| Q1 2025 | 14% | -18 points |
| Q3 2024 | 45% | +6.6 points |
| Q1 2024 | 39% | +9.4 points |
| Q3 2023 | 43% | +12 points |
| Q1 2023 | 32% | +5.4 points |
| Q3 2022 | 38% | +3.4 points |
MUFG's operating margin was 36% last quarter, down 2.7 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 MUFG in the latest year-over-year revenue comparison.
| 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.
MUFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2026 | -$10.4B | -212% |
| Q3 2025 | -$12.6B | -$8.9B |
| Q1 2025 | $9.3B | +$19.3B |
| Q3 2024 | -$3.7B | +$9.7B |
| Q1 2024 | -$10.1B | -181% |
| Q3 2023 | -$13.4B | -$13.3B |
| Q1 2023 | $12.5B | +429% |
| Q3 2022 | -$7.3M | -100% |
MUFG's free cash flow was −$17.4B over the past year, against −$10.9B the year before. Free cash flow isn't a meaningful measure for financial services companies like MUFG.
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.
MUFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -48.2M shares |
| 1 year | -4.9% | -582M shares |
| 3 years | -12% | -1.5B shares |
| 5 years | -18% | -2.5B shares |
| Available history | -20% | -2.8B shares |
MUFG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2026 | $1.6B |
| Q3 2025 | $1.6B |
| Q1 2025 | $1.9B |
| Q3 2024 | $742.3M |
| Q1 2024 | $2.5B |
| Q3 2023 | $426,225 |
| Q1 2023 | $1.3B |
| Q3 2022 | $1.5B |
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 | — |
MUFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | -30.4x | Net Cash |
| Q1 2025 | -48.3x | Net Cash |
| Q1 2024 | -48.9x | Net Cash |
| Q1 2023 | -60.9x | Net Cash |
| Q1 2022 | -60.0x | Net Cash |
| Q1 2021 | -56.2x | Net Cash |
| Q1 2020 | -41.0x | Net Cash |
| Q1 2019 | -48.3x | Net Cash |
MUFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like MUFG.
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.
MUFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.5 | Neutral |
| Stochastic | 22.2 | Neutral |
MUFG's weekly RSI is 53 (neutral) and its Stochastic is 22 (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).
MUFG PE vs Financial Services Sector
| Metric | MUFG | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 76% above |
| PE % | 80 | 63 | 17 pts above |
MUFG 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.
MUFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.0 | 1.1% below |
| 20 week MA | $22.3 | 2.6% below |
| 50 week MA | $19.7 | 10% above |
| 100 week MA | $16.8 | 30% above |
| 200 week MA | $12.9 | 69% above |
MUFG 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.
MUFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.43 | $4.34 | -20% |
| 2021 | $4.34 | $5.56 | +28% |
| 2022 | $5.56 | $6.63 | +19% |
| 2023 | $6.63 | $8.61 | +30% |
| 2024 | $8.61 | $11.7 | +35% |
| 2025 | $11.7 | $15.9 | +36% |
| 2026 YTD | $15.9 | $21.8 | +37% |
MUFG 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.