MYFW
First Western Financial, Inc.
MYFW has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MYFW overall, supported by stronger modeled upside and stronger valuation.
MYFW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MYFW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MYFW.
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.
MYFW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $17.67 | -44% |
| Forward | 12x | $31.48 | — |
| Fair | 14x | $29.42 | -6.6% |
| Current | 15x | $31.48 | — |
| Expensive | 22x | $45.94 | +46% |
Historical ranges are pointers, not guarantees.
MYFW's PE is 15x, 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 MYFW in the historical PE scenario, which offers more potential upside but is not a forecast.
MYFW Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MYFW, 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.
MYFW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.59 | +21% |
| Q3 2026 | $2.13 | +65% |
| Q2 2026 | $1.85 | +55% |
| Q1 2026 | $1.54 | +48% |
| Q4 2025 | $1.34 | +54% |
| Q3 2025 | $1.29 | +396% |
| Q2 2025 | $1.19 | +231% |
| Q1 2025 | $1.04 | +154% |
| Q4 2024 | $0.87 | +61% |
MYFW 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.
MYFW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $28.8M | +9.4% |
| Q2 2026 | $28.1M | +16% |
| Q1 2026 | $27.5M | +11% |
| Q4 2025 | $26.7M | +14% |
| Q3 2025 | $26.3M | +17% |
| Q2 2025 | $24.2M | +6.3% |
| Q1 2025 | $24.8M | +6.2% |
| Q4 2024 | $23.4M | +4.3% |
MYFW's revenue has grown year over year for eight quarters in a row: $29M last quarter, up 9.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | +10 points |
| Q2 2026 | 26% | +13 points |
| Q1 2026 | 29% | +7.8 points |
| Q4 2025 | 17% | -0.1 points |
| Q3 2025 | 15% | +3.2 points |
| Q2 2025 | 14% | +7.5 points |
| Q1 2025 | 22% | +6.3 points |
| Q4 2024 | 17% | +36 points |
MYFW 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 MYFW 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'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.
MYFW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -12% |
| Q2 2026 | $11.2M | +$20.9M |
| Q1 2026 | $14.6M | +110% |
| Q4 2025 | -$12M | -$7.2M |
| Q3 2025 | $9M | -49% |
| Q2 2025 | -$9.7M | +$2.2M |
| Q1 2025 | $7M | +$9.5M |
| Q4 2024 | -$4.8M | -142% |
MYFW 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.
MYFW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +32.6K shares |
| 1 year | +1.1% | +113K shares |
| 3 years | +2.4% | +239K shares |
| 5 years | +21% | +1.7M shares |
| Available history | +26% | +2.1M shares |
MYFW has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $146,000 |
| Q4 2025 | — |
| Q3 2025 | $301,000 |
| Q2 2025 | $481,000 |
| Q1 2025 | $2,000 |
| Q4 2024 | — |
MYFW has spent almost nothing on buybacks in the past year.
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 | — |
MYFW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
MYFW has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like MYFW.
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 MYFW on leverage, with a lower net debt burden relative to earnings.
MYFW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.9 | Neutral |
| Stochastic | 50.7 | Neutral |
MYFW's weekly RSI is 60 (neutral) and its Stochastic is 51 (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).
MYFW PE vs Financial Services Sector
| Metric | MYFW | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 58 | 63 | 5 pts below |
MYFW 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.
MYFW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.4 | 3.6% above |
| 20 week MA | $31.1 | 1.1% above |
| 50 week MA | $28.5 | 10% above |
| 100 week MA | $24.9 | 26% above |
| 200 week MA | $21.7 | 45% above |
MYFW 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.
MYFW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.9 | $18.2 | +7.6% |
| 2021 | $18.2 | $30.2 | +66% |
| 2022 | $30.2 | $28.2 | -6.6% |
| 2023 | $28.2 | $19.8 | -30% |
| 2024 | $19.8 | $19.0 | -4% |
| 2025 | $19.0 | $26.3 | +38% |
| 2026 YTD | $26.3 | $31.5 | +20% |
MYFW 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.