NTRS
Northern Trust Corporation
NTRS has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over NTRS overall, supported by stronger valuation and stronger modeled upside.
NTRS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
NTRS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NTRS.
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.
NTRS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $155 | -13% |
| Current | 14x | $178 | — |
| Forward | 14x | $178 | — |
| Fair | 15x | $188 | +6% |
| Expensive | 18x | $235 | +32% |
Historical ranges are pointers, not guarantees.
NTRS's PE is in its fair range at 13.9x. On analysts' estimates for next year's earnings, today's price would be 14.1x.
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 NTRS in the historical PE scenario, which offers more potential upside but is not a forecast.
NTRS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect NTRS'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 NTRS on the outlook, with more favorable valuation and revenue expectations.
NTRS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.59 | -1.3% |
| Q3 2026 | $12.76 | +49% |
| Q2 2026 | $11.65 | +37% |
| Q1 2026 | $9.55 | -11% |
| Q4 2025 | $8.74 | -11% |
| Q3 2025 | $8.57 | +6.6% |
| Q2 2025 | $8.50 | +16% |
| Q1 2025 | $10.71 | +136% |
| Q4 2024 | $9.77 | +92% |
NTRS 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.
NTRS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +13% |
| Q2 2026 | $2.7B | +35% |
| Q1 2026 | $2.2B | +14% |
| Q4 2025 | $2.1B | +8.3% |
| Q3 2025 | $2B | +2.9% |
| Q2 2025 | $2B | -26% |
| Q1 2025 | $1.9B | +18% |
| Q4 2024 | $2B | +27% |
NTRS's revenue is recovering but still below its 2024 peak: $2.3B last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +4.1 points |
| Q2 2026 | 39% | +11 points |
| Q1 2026 | 32% | +4.9 points |
| Q4 2025 | 30% | -0.5 points |
| Q3 2025 | 31% | +0.1 points |
| Q2 2025 | 28% | -15 points |
| Q1 2025 | 27% | +9.2 points |
| Q4 2024 | 30% | +21 points |
NTRS 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 NTRS 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'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.
NTRS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.8B | +254% |
| Q2 2026 | -$90.3M | -105% |
| Q1 2026 | -$329.4M | -112% |
| Q4 2025 | $355.6M | +$3B |
| Q3 2025 | $509.4M | -13% |
| Q2 2025 | $1.9B | -37% |
| Q1 2025 | $2.7B | +$4.2B |
| Q4 2024 | -$2.7B | -198% |
NTRS 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.
NTRS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -1.7M shares |
| 1 year | -4.1% | -7.8M shares |
| 3 years | -12% | -24.1M shares |
| 5 years | -12% | -25.7M shares |
| Available history | -15% | -32.4M shares |
NTRS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $352.3M |
| Q2 2026 | $350.6M |
| Q1 2026 | $358.9M |
| Q4 2025 | $369.9M |
| Q3 2025 | $277M |
| Q2 2025 | $339.4M |
| Q1 2025 | $287.2M |
| Q4 2024 | $253.6M |
NTRS spent $1.4B buying back its own shares over the past year, up 24% 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 | — |
NTRS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.4x | Healthy |
| Q2 2026 | 1.6x | Healthy |
| Q1 2026 | 1.6x | Healthy |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | 1.4x | Healthy |
| Q4 2024 | 2.0x | Healthy |
NTRS's net debt is about 1.4 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like NTRS.
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 NTRS on leverage, with a lower net debt burden relative to earnings.
NTRS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.4 | Neutral |
| Stochastic | 37.9 | Neutral |
NTRS's weekly RSI is 56 (neutral) and its Stochastic is 38 (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).
NTRS PE vs Financial Services Sector
| Metric | NTRS | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7% above |
| PE % | 42 | 63 | 21 pts below |
NTRS 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.
NTRS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $171.1 | 3.9% above |
| 20 week MA | $178.9 | 0.7% below |
| 50 week MA | $162.4 | 9.4% above |
| 100 week MA | $138.6 | 28% above |
| 200 week MA | $111.2 | 60% above |
NTRS 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.
NTRS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $107.0 | $91.6 | -14% |
| 2021 | $91.6 | $118.2 | +29% |
| 2022 | $118.2 | $88.0 | -26% |
| 2023 | $88.0 | $84.4 | -4.1% |
| 2024 | $84.4 | $103.8 | +23% |
| 2025 | $103.8 | $140.1 | +35% |
| 2026 YTD | $140.1 | $177.7 | +27% |
NTRS 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.