OCFC
OceanFirst Financial Corp.
OCFC trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over OCFC overall, supported by stronger valuation and stronger modeled upside.
OCFC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| N/A | |
| N/A |
OCFC's revenue is currently strong, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OCFC.
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.
OCFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.4x | $18.09 | — |
| Cheap | 8.9x | $6.52 | -64% |
| Fair | 11x | $8.38 | -54% |
| Expensive | 16x | $11.65 | -36% |
| Current | 25x | $18.09 | — |
Historical ranges are pointers, not guarantees.
OCFC's PE is in its expensive range at 25x. If earnings grow as analysts expect, today's price would be 8.4x next year's earnings, in its cheap range.
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 OCFC in the historical PE scenario, which offers more potential upside but is not a forecast.
OCFC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OCFC, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over OCFC on the outlook, with more favorable profitability expectations.
OCFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.16 | +196% |
| Q3 2026 | $0.73 | -43% |
| Q2 2026 | $0.86 | -39% |
| Q1 2026 | $1.18 | -23% |
| Q4 2025 | $1.17 | -29% |
| Q3 2025 | $1.29 | -26% |
| Q2 2025 | $1.41 | -15% |
| Q1 2025 | $1.53 | -11% |
| Q4 2024 | $1.65 | -2.9% |
OCFC's earnings per share have fallen from their peak: $0.73 over the past year, against $2.46 in early 2023.
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 OCFC on earnings, with more consistent year-over-year improvement.
OCFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $185.1M | +80% |
| Q2 2026 | $131.3M | +32% |
| Q1 2026 | $103.2M | +5.4% |
| Q4 2025 | $104.7M | +9.6% |
| Q3 2025 | $103M | +6.3% |
| Q2 2025 | $99.4M | +6.6% |
| Q1 2025 | $97.9M | -0.6% |
| Q4 2024 | $95.6M | -4.1% |
OCFC's revenue has grown year over year for six quarters in a row: $185M last quarter, up 80% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | -6 points |
| Q2 2026 | -1.9% | -27 points |
| Q1 2026 | 26% | -2.7 points |
| Q4 2025 | 16% | -12 points |
| Q3 2025 | 22% | -12 points |
| Q2 2025 | 25% | -8.8 points |
| Q1 2025 | 29% | -11 points |
| Q4 2024 | 29% | -7.9 points |
OCFC's operating margin was 16% last quarter, down 6 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 has the edge over OCFC 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 has the edge over OCFC on profitability, with a higher operating margin.
OCFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $128M | +461% |
| Q2 2026 | $33.5M | +23% |
| Q1 2026 | $23.3M | +$26.9M |
| Q4 2025 | $33.1M | -23% |
| Q3 2025 | $22.8M | +$46.3M |
| Q2 2025 | $27.2M | +39% |
| Q1 2025 | -$3.6M | -108% |
| Q4 2024 | $43.2M | +$71.7M |
OCFC 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.
OCFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +40% | +27.9M shares |
| 1 year | +72% | +41.1M shares |
| 3 years | +66% | +39M shares |
| 5 years | +65% | +38.6M shares |
| Available history | +93% | +47.4M shares |
OCFC has 98M diluted shares, up 72% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $755,000 |
| Q2 2026 | $3.6M |
| Q1 2026 | $3.4M |
| Q4 2025 | $558,000 |
| Q3 2025 | $42,000 |
| Q2 2025 | $17.4M |
| Q1 2025 | $6.9M |
| Q4 2024 | $5,000 |
OCFC spent $8M buying back its own shares over the past year, down 66% 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 the edge over OCFC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
OCFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 24.1x | High |
| Q2 2026 | 26.1x | High |
| Q1 2026 | 12.8x | High |
| Q4 2025 | 1.2x | Healthy |
| Q3 2025 | 14.4x | High |
| Q2 2025 | 7.8x | High |
| Q1 2025 | 7.1x | High |
| Q4 2024 | 0.5x | Very low |
OCFC's net debt is more than 20 years of its operating earnings (EBITDA), up from 14 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OCFC.
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 OCFC on leverage, with a lower net debt burden relative to earnings.
OCFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 55.4 | Neutral |
OCFC's weekly RSI is 50 (neutral) and its Stochastic is 55 (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).
OCFC PE vs Financial Services Sector
| Metric | OCFC | Sector median | Relative |
|---|---|---|---|
| PE | 25x | 13x | 90% above |
| PE % | 100 | 63 | 37 pts above |
OCFC 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.
OCFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.1 | 5.9% above |
| 20 week MA | $18.3 | 1.4% below |
| 50 week MA | $18.6 | 2.5% below |
| 100 week MA | $18.1 | 0.2% above |
| 200 week MA | $17.5 | 3.1% above |
OCFC 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.
OCFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.3 | $18.7 | -26% |
| 2021 | $18.7 | $22.0 | +18% |
| 2022 | $22.0 | $21.5 | -2.4% |
| 2023 | $21.5 | $17.4 | -19% |
| 2024 | $17.4 | $17.7 | +1.8% |
| 2025 | $17.7 | $19.8 | +12% |
| 2026 YTD | $19.8 | $18.1 | -8.5% |
OCFC 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.