OCCI
OFS Credit Company, Inc.
There isn't enough reported data to score OCCI 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.
OCCI Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
OCCI's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like OCCI.
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.
OCCI PE Valuation
OCCI 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.
OCCI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Strong decline | |
| Improving | |
| Limited | |
| High |
Analysts expect OCCI's earnings and revenue to decline, though with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over OCCI on the outlook, with more favorable earnings and revenue expectations.
OCCI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.85 | — |
| Q2 2026 | -$1.22 | -863% |
| Q1 2026 | -$1.31 | -311% |
| Q4 2025 | -$0.37 | -142% |
| Q3 2025 | $0.24 | -68% |
| Q2 2025 | $0.16 | -72% |
| Q1 2025 | $0.62 | +$1.08 |
| Q4 2024 | $0.89 | +$1.07 |
| Q3 2024 | $0.74 | +$1.04 |
SOFI has the stronger earnings trend. Trailing diluted EPS is down 863% for OCCI versus SOFI flat.
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.
OCCI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.7M | -83% |
| Q1 2026 | $10.4M | +3.1% |
| Q4 2025 | $11.1M | +30% |
| Q3 2025 | $11.9M | +59% |
| Q2 2025 | $10.2M | +27% |
| Q1 2025 | $10.1M | +53% |
| Q4 2024 | $8.6M | -5.4% |
| Q3 2024 | $7.5M | +3.1% |
SOFI has the stronger quarterly revenue trend. Revenue is down 83% for OCCI versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -584% | -652 points |
| Q1 2026 | -188% | -256 points |
| Q4 2025 | -62% | -137 points |
| Q3 2025 | 71% | +12 points |
| Q2 2025 | 68% | -0.2 points |
| Q1 2025 | 67% | -53 points |
| Q4 2024 | 75% | +42 points |
| Q3 2024 | 59% | +38 points |
OCCI's operating margin was −584% last quarter, down 652 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
OCCI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $34.5M | +$34.5M |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
| Q2 2024 | $0 | -100% |
| Q1 2024 | $0 | -100% |
OCCI has the stronger cash trend. Its trailing FCF is up 22,168% versus its history, compared with SOFI at down 107%.
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.
OCCI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.5% | +974K shares |
| 1 year | +16% | +4.1M shares |
| 3 years | +170% | +18.4M shares |
| 5 years | +432% | +23.7M shares |
| Available history | +854% | +26.1M shares |
OCCI has 29M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
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 the edge over OCCI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
OCCI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | 3.9x | Elevated |
| Q2 2025 | 3.7x | Elevated |
| Q1 2025 | 3.2x | Elevated |
| Q4 2024 | -1.0x | Net Cash |
| Q3 2024 | 1.8x | Healthy |
| Q2 2024 | -0.9x | Net Cash |
| Q1 2024 | 27.3x | High |
OCCI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OCCI.
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.
OCCI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 22.0 | Oversold |
| Stochastic | 5.5 | Oversold |
OCCI's weekly RSI is 22 (oversold) and its Stochastic is 5 (oversold).
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).
OCCI PE vs Financial Services Sector
| Metric | OCCI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OCCI 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.
OCCI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.77 | 25% below |
| 20 week MA | $2.22 | 40% below |
| 50 week MA | $3.07 | 57% below |
| 100 week MA | $4.62 | 71% below |
| 200 week MA | $6.16 | 78% below |
OCCI is in a downtrend: it's below all five of its weekly moving averages, and 78% 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 OCCI on trend strength, trading above more of its moving averages.
OCCI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.7 | $12.3 | -22% |
| 2021 | $12.3 | $12.5 | +1.5% |
| 2022 | $12.5 | $8.36 | -33% |
| 2023 | $8.36 | $6.46 | -23% |
| 2024 | $6.46 | $7.07 | +9.4% |
| 2025 | $7.07 | $4.82 | -32% |
| 2026 YTD | $4.82 | $1.33 | -72% |
OCCI has finished lower in four of the last six years. It's down 72% so far in 2026.
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 has the edge over OCCI on returns for 2026, with the stronger performance.