ORI
Old Republic International Corporation
ORI has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ORI overall, supported by stronger modeled upside and stronger valuation.
ORI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ORI'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 ORI.
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.
ORI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $23.06 | -42% |
| Current | 9x | $40.04 | — |
| Fair | 10x | $46.32 | +16% |
| Forward | 13x | $40.04 | — |
| Expensive | 14x | $61.39 | +53% |
Historical ranges are pointers, not guarantees.
ORI's PE is in its cheap range at 9.0x. On analysts' estimates for next year's earnings, today's price would be 13x, in its expensive 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 ORI in the historical PE scenario, which offers more potential upside but is not a forecast.
ORI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| Low |
Analysts expect ORI's revenue to grow, but its profitability to weaken. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ORI on the outlook, with more favorable valuation and earnings expectations.
ORI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.16 | -29% |
| Q3 2026 | $4.44 | +34% |
| Q2 2026 | $4.56 | +29% |
| Q1 2026 | $4.06 | +32% |
| Q4 2025 | $3.72 | +15% |
| Q3 2025 | $3.32 | -5.4% |
| Q2 2025 | $3.53 | +48% |
| Q1 2025 | $3.07 | +19% |
| Q4 2024 | $3.24 | +54% |
ORI 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.
ORI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +5.2% |
| Q2 2026 | $2.5B | +13% |
| Q1 2026 | $2.4B | +14% |
| Q4 2025 | $2.4B | +19% |
| Q3 2025 | $2.4B | +3.5% |
| Q2 2025 | $2.2B | +18% |
| Q1 2025 | $2.1B | +4.9% |
| Q4 2024 | $2B | +3.1% |
ORI's revenue has grown year over year for 11 quarters in a row: $2.6B last quarter, up 5.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -3.9 points |
| Q2 2026 | 16% | +4.6 points |
| Q1 2026 | 17% | +2.7 points |
| Q4 2025 | 11% | +4.5 points |
| Q3 2025 | 15% | -3.7 points |
| Q2 2025 | 12% | +5.7 points |
| Q1 2025 | 15% | -5.2 points |
| Q4 2024 | 6.5% | -5.7 points |
ORI's operating margin was 11% last quarter, down 3.9 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 ORI 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 has the edge over ORI on profitability, with a higher operating margin.
ORI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $429.4M | -24% |
| Q2 2026 | $199.7M | +49% |
| Q1 2026 | $281.4M | +21% |
| Q4 2025 | $234.9M | -35% |
| Q3 2025 | $563.9M | +19% |
| Q2 2025 | $133.8M | -43% |
| Q1 2025 | $231.7M | +44% |
| Q4 2024 | $361.7M | +28% |
ORI 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.
ORI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +431K shares |
| 1 year | -1.8% | -4.6M shares |
| 3 years | -12% | -33.2M shares |
| 5 years | -19% | -56.8M shares |
| Available history | -18% | -54.9M shares |
ORI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $112.7M |
| Q2 2026 | $60.2M |
| Q1 2026 | $159.8M |
| Q4 2025 | $55.2M |
| Q3 2025 | $43.3M |
| Q2 2025 | — |
| Q1 2025 | $25.3M |
| Q4 2024 | $174.4M |
ORI spent $388M buying back its own shares over the past year, up 60% 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 | — |
ORI Net Leverage
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.
ORI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.5 | Neutral |
| Stochastic | 35.0 | Neutral |
ORI's weekly RSI is 50 (neutral) and its Stochastic is 35 (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).
ORI PE vs Financial Services Sector
| Metric | ORI | Sector median | Relative |
|---|---|---|---|
| PE | 9x | 13x | 31% below |
| PE % | 30 | 63 | 33 pts below |
ORI 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.
ORI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.8 | 3.1% above |
| 20 week MA | $40.7 | 1.6% below |
| 50 week MA | $40.9 | 2% below |
| 100 week MA | $39.7 | 0.9% above |
| 200 week MA | $34.6 | 16% above |
ORI 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.
ORI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.2 | $19.2 | -14% |
| 2021 | $19.2 | $24.1 | +25% |
| 2022 | $24.1 | $24.3 | +0.7% |
| 2023 | $24.3 | $29.4 | +21% |
| 2024 | $29.4 | $36.4 | +24% |
| 2025 | $36.4 | $46.6 | +28% |
| 2026 YTD | $46.6 | $40.0 | -14% |
ORI 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.