NMFC
New Mountain Finance Corporation
There isn't enough reported data to score NMFC 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.
NMFC Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Stable | |
| N/A | |
| N/A |
NMFC's profitability is currently stable, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like NMFC.
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.
NMFC PE Valuation
NMFC has no meaningful PE right now: it lost money over the past year.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
NMFC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Decline | |
| Decline | |
| Weakening | |
| Limited | |
| High |
Analysts expect NMFC's earnings and revenue to decline, with profitability weakening.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over NMFC on the outlook, with more favorable earnings and revenue expectations.
NMFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.03 | — |
| Q3 2026 | -$0.53 | -183% |
| Q2 2026 | -$0.46 | -161% |
| Q1 2026 | -$0.57 | -158% |
| Q4 2025 | $0.16 | -84% |
| Q3 2025 | $0.64 | -38% |
| Q2 2025 | $0.75 | -31% |
| Q1 2025 | $0.99 | -10% |
| Q4 2024 | $1.03 | -17% |
NMFC has swung to a loss: it lost $0.53 per share over the past year, after a profit the year before.
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 NMFC on earnings quality, reporting a profit while its opponent remains loss making.
NMFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $37M | -61% |
| Q1 2022 | $57.1M | -18% |
| Q4 2021 | $71.9M | +4.3% |
| Q3 2021 | $39.3M | -40% |
| Q2 2021 | $95.5M | +54% |
| Q1 2021 | $70M | -5.6% |
| Q4 2020 | $68.9M | -6.5% |
SOFI has the stronger quarterly revenue trend. Revenue is down 61% for NMFC versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | 41% | -42 points |
| Q1 2022 | 65% | -9.2 points |
| Q4 2021 | 74% | -24 points |
| Q3 2021 | 58% | -78 points |
| Q2 2021 | 83% | -41 points |
| Q1 2021 | 74% | +308 points |
| Q4 2020 | 98% | +69 points |
| Q3 2020 | 136% | N/A |
NMFC's operating margin was 41% last quarter, down 42 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
NMFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $39.4M | -46% |
| Q2 2026 | $24.4M | -39% |
| Q1 2026 | $401.4M | +286% |
| Q4 2025 | $161.6M | -17% |
| Q3 2025 | $73.1M | +$134.7M |
| Q2 2025 | $40.3M | +$200.2M |
| Q1 2025 | $103.9M | +52% |
| Q4 2024 | $195.2M | +55% |
NMFC 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.
NMFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -98.6K shares |
| 1 year | -24% | -30.6M shares |
| 3 years | -26% | -32.6M shares |
| 5 years | -14% | -15.6M shares |
| Available history | -10% | -10.8M shares |
NMFC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $9M |
| Q1 2026 | $56.6M |
| Q4 2025 | $14.7M |
| Q3 2025 | $27.6M |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
NMFC spent $80M buying back its own shares over 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 | — |
NMFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | 15.2x | High |
| Q1 2022 | 9.9x | High |
| Q4 2021 | 8.9x | High |
| Q3 2021 | 7.8x | High |
| Q2 2021 | 6.2x | High |
| Q1 2021 | 6.0x | High |
| Q4 2020 | 28.3x | High |
| Q3 2020 | 116.3x | High |
NMFC's net debt is about 15 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like NMFC.
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.
NMFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.0 | Neutral |
| Stochastic | 28.1 | Neutral |
NMFC's weekly RSI is 37 (neutral) and its Stochastic is 28 (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).
NMFC PE vs Financial Services Sector
| Metric | NMFC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
NMFC has no meaningful PE right now: it lost money over the past year.
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.
NMFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.83 | 2.3% below |
| 20 week MA | $7.10 | 6.1% below |
| 50 week MA | $7.83 | 15% below |
| 100 week MA | $9.17 | 27% below |
| 200 week MA | $10.8 | 38% below |
NMFC is in a downtrend: it's below all five of its weekly moving averages, and 38% below its 200-week average.
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 the edge over NMFC on trend strength, trading above more of its moving averages.
NMFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $11.3 | -18% |
| 2021 | $11.3 | $13.6 | +20% |
| 2022 | $13.6 | $12.3 | -9.1% |
| 2023 | $12.3 | $12.7 | +3.1% |
| 2024 | $12.7 | $11.2 | -12% |
| 2025 | $11.2 | $9.17 | -18% |
| 2026 YTD | $9.17 | $6.67 | -27% |
NMFC 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.