OFG
OFG Bancorp
OFG has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over OFG overall, supported by stronger valuation and stronger fundamentals.
OFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
OFG's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OFG.
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.
OFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $46.35 | -9.7% |
| Current | 9.8x | $51.34 | — |
| Fair | 9.9x | $52.09 | +1.5% |
| Forward | 9.9x | $51.34 | — |
| Expensive | 14x | $75.61 | +47% |
Historical ranges are pointers, not guarantees.
OFG's PE is in its fair range at 9.8x. On analysts' estimates for next year's earnings, today's price would be 9.9x.
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 OFG in the historical PE scenario, which offers more potential upside but is not a forecast.
OFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect OFG'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 OFG on the outlook, with more favorable valuation and revenue expectations.
OFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.19 | -1.1% |
| Q3 2026 | $5.25 | +19% |
| Q2 2026 | $5.08 | +20% |
| Q1 2026 | $4.84 | +16% |
| Q4 2025 | $4.58 | +8.3% |
| Q3 2025 | $4.41 | +7% |
| Q2 2025 | $4.25 | +4.4% |
| Q1 2025 | $4.18 | +6.6% |
| Q4 2024 | $4.23 | +10% |
OFG 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.
OFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $186.2M | 0% |
| Q2 2026 | $190.3M | +4.4% |
| Q1 2026 | $186M | +4.1% |
| Q4 2025 | $184.3M | +0.9% |
| Q3 2025 | $186.2M | +6.5% |
| Q2 2025 | $182.4M | +1.4% |
| Q1 2025 | $178.6M | +2.4% |
| Q4 2024 | $182.7M | +0.2% |
OFG's revenue has grown year over year for 22 quarters in a row: $186M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +5.6 points |
| Q2 2026 | 39% | +3 points |
| Q1 2026 | 37% | +3.7 points |
| Q4 2025 | 26% | -3.2 points |
| Q3 2025 | 33% | -67 points |
| Q2 2025 | 36% | -64 points |
| Q1 2025 | 33% | -67 points |
| Q4 2024 | 29% | -71 points |
OFG 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 OFG 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.
OFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $83.2M | +134% |
| Q2 2026 | $45.1M | +42% |
| Q1 2026 | $68.8M | -13% |
| Q4 2025 | $53.3M | +56% |
| Q3 2025 | $35.5M | -31% |
| Q2 2025 | $31.8M | -65% |
| Q1 2025 | $78.7M | +44% |
| Q4 2024 | $34.2M | -66% |
OFG 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.
OFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +47K shares |
| 1 year | -5% | -2.2M shares |
| 3 years | -10% | -4.9M shares |
| 5 years | -18% | -9.1M shares |
| Available history | -18% | -9.3M shares |
OFG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13.5M |
| Q2 2026 | — |
| Q1 2026 | $44.5M |
| Q4 2025 | $40.1M |
| Q3 2025 | $20.4M |
| Q2 2025 | $7.7M |
| Q1 2025 | $23.4M |
| Q4 2024 | $45.9M |
OFG spent $98M buying back its own shares over the past year, about the same as 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 | — |
OFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -2.3x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.1x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
OFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OFG.
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 OFG on leverage, with a lower net debt burden relative to earnings.
OFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.8 | Neutral |
| Stochastic | 31.8 | Neutral |
OFG's weekly RSI is 56 (neutral) and its Stochastic is 32 (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).
OFG PE vs Financial Services Sector
| Metric | OFG | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 46 | 63 | 17 pts below |
OFG 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.
OFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $51.2 | 0.2% above |
| 20 week MA | $51.7 | 0.6% below |
| 50 week MA | $46.3 | 11% above |
| 100 week MA | $44.0 | 17% above |
| 200 week MA | $39.2 | 31% above |
OFG 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.
OFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.6 | $17.8 | -25% |
| 2021 | $17.8 | $26.2 | +48% |
| 2022 | $26.2 | $27.2 | +3.7% |
| 2023 | $27.2 | $37.5 | +38% |
| 2024 | $37.5 | $43.2 | +15% |
| 2025 | $43.2 | $41.8 | -3.4% |
| 2026 YTD | $41.8 | $51.3 | +23% |
OFG 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.