OPY
Oppenheimer Holdings Inc.
OPY has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over OPY overall, supported by stronger valuation and stronger modeled upside.
OPY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OPY's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPY.
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.
OPY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.1x | $30.75 | -66% |
| Fair | 9x | $66.53 | -26% |
| Current | 12x | $89.68 | — |
| Expensive | 13x | $93.25 | +4% |
Historical ranges are pointers, not guarantees.
OPY's PE is in its expensive range at 12x.
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 OPY in the historical PE scenario, which offers more potential upside but is not a forecast.
OPY Forward outlook
There aren't enough analyst estimates for OPY to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
OPY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $7.43 | -0.3% |
| Q2 2026 | $8.86 | +15% |
| Q1 2026 | $8.39 | +25% |
| Q4 2025 | $13.04 | +105% |
| Q3 2025 | $7.45 | +15% |
| Q2 2025 | $7.71 | +40% |
| Q1 2025 | $6.72 | +80% |
| Q4 2024 | $6.37 | +146% |
OPY 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.
OPY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $382M | -10% |
| Q2 2026 | $454.9M | +22% |
| Q1 2026 | $445.1M | +21% |
| Q4 2025 | $472.6M | +26% |
| Q3 2025 | $424.4M | +14% |
| Q2 2025 | $373.2M | +13% |
| Q1 2025 | $367.8M | +4.2% |
| Q4 2024 | $375.4M | +22% |
OPY's revenue is growing: $382M last quarter, down 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 2.3% | -5.2 points |
| Q2 2026 | 8.7% | 0 points |
| Q1 2026 | -6.1% | -17 points |
| Q4 2025 | 22% | +18 points |
| Q3 2025 | 7.5% | -2 points |
| Q2 2025 | 8.6% | +3.8 points |
| Q1 2025 | 11% | +0.6 points |
| Q4 2024 | 4.5% | -1.2 points |
OPY's operating margin was 2.3% last quarter, down 5.2 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 has the edge over OPY 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 OPY on profitability, with a higher operating margin.
OPY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $128.6M | +107% |
| Q2 2026 | -$57.1M | -247% |
| Q1 2026 | -$190M | -$96.6M |
| Q4 2025 | $175.8M | +146% |
| Q3 2025 | $62.2M | +455% |
| Q2 2025 | $38.9M | +$155.6M |
| Q1 2025 | -$93.4M | -$14.1M |
| Q4 2024 | $71.5M | +17% |
OPY 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.
OPY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.9% | +103K shares |
| 1 year | +1.2% | +136K shares |
| 3 years | +1.3% | +146K shares |
| 5 years | -15% | -2.1M shares |
| Available history | -16% | -2.3M shares |
OPY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $2.3M |
| Q3 2025 | — |
| Q2 2025 | $581,000 |
| Q1 2025 | $90,000 |
| Q4 2024 | — |
OPY spent $2M buying back its own shares over the past year, about three times what it spent 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 | — |
OPY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2023 | 1.5x | Healthy |
| Q3 2023 | 1.2x | Healthy |
| Q2 2023 | 1.6x | Healthy |
| Q1 2023 | 1.4x | Healthy |
| Q4 2022 | 0.0x | Very low |
| Q3 2022 | 0.8x | Very low |
| Q2 2022 | 0.6x | Very low |
| Q1 2022 | 0.4x | Very low |
OPY's net debt is about 1.5 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like OPY.
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.
OPY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.7 | Neutral |
| Stochastic | 14.4 | Oversold |
OPY's weekly RSI is 39 (neutral) and its Stochastic is 14 (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).
OPY PE vs Financial Services Sector
| Metric | OPY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.3% below |
| PE % | 80 | 63 | 17 pts above |
OPY 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.
OPY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.8 | 13% below |
| 20 week MA | $109.8 | 18% below |
| 50 week MA | $97.5 | 8.1% below |
| 100 week MA | $82.0 | 9.4% above |
| 200 week MA | $62.7 | 43% above |
OPY 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.
OPY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.8 | $31.7 | +14% |
| 2021 | $31.7 | $44.2 | +39% |
| 2022 | $44.2 | $42.8 | -3.2% |
| 2023 | $42.8 | $41.3 | -3.4% |
| 2024 | $41.3 | $64.5 | +56% |
| 2025 | $64.5 | $74.2 | +15% |
| 2026 YTD | $74.2 | $89.7 | +21% |
OPY 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.