OSG
Octave Specialty Group, Inc.
There isn't enough reported data to score OSG 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.
OSG Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Under pressure | |
| N/A | |
| N/A |
OSG's revenue is currently strong, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like OSG.
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.
OSG PE Valuation
OSG has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 11x next year's earnings.
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.
OSG Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Returning to profit | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect OSG to return to profit, with revenue growing.
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.
OSG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.48 | — |
| Q3 2026 | -$1.59 | +$14.92 |
| Q2 2026 | -$3.63 | +$11.16 |
| Q1 2026 | -$4.84 | +$8.43 |
| Q4 2025 | -$5.93 | +$5.69 |
| Q3 2025 | -$16.51 | -$16.08 |
| Q2 2025 | -$14.79 | -1019% |
| Q1 2025 | -$13.27 | -1090% |
| Q4 2024 | -$11.62 | -6556% |
OSG is still losing money, but far less than before: $1.59 per share over the past year, against $16.51 at its worst in late 2025.
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 OSG on earnings quality, reporting a profit while its opponent remains loss making.
OSG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $85.3M | +28% |
| Q2 2026 | $83M | +51% |
| Q1 2026 | $104.2M | +66% |
| Q3 2025 | $66.6M | -42% |
| Q2 2025 | $55M | -48% |
| Q1 2025 | $62.8M | -39% |
| Q3 2024 | $114M | +54% |
| Q2 2024 | $105M | +69% |
OSG's revenue is recovering but still below its 2022 peak: $85M last quarter, up 28% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -16% | +33 points |
| Q2 2026 | -14% | +28 points |
| Q1 2026 | -3.2% | +21 points |
| Q4 2025 | -46% | N/A |
| Q3 2025 | -48% | -25 points |
| Q2 2025 | -42% | -44 points |
| Q1 2025 | -24% | -49 points |
| Q3 2024 | -24% | -116 points |
OSG's operating margin was −16% last quarter, up 32 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 OSG 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 OSG on profitability, with a higher operating margin.
OSG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$10.2M | -576% |
| Q1 2026 | -$10.1M | +$2.5M |
| Q4 2025 | -$666K | +$26.6M |
| Q1 2025 | -$12.6M | -170% |
| Q4 2024 | -$27.2M | -131% |
| Q1 2024 | $18M | -77% |
| Q4 2023 | $88M | -93% |
| Q3 2023 | $11M | -77% |
OSG has the stronger cash trend. Its trailing FCF is down 101% 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.
OSG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +28.8K shares |
| 1 year | -5.6% | -2.7M shares |
| 3 years | -3% | -1.4M shares |
| 5 years | -3.5% | -1.6M shares |
| Available history | -0.3% | -158K shares |
OSG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2024 | $11.7M |
| Q1 2020 | $3M |
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 | — |
OSG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 20.4x | High |
| Q2 2024 | 4.2x | High |
| Q1 2024 | 4.7x | High |
| Q4 2023 | 11.7x | High |
| Q3 2023 | 2.0x | Moderate |
| Q2 2023 | 0.9x | Very low |
| Q1 2023 | 0.9x | Very low |
| Q4 2022 | 1.1x | Healthy |
OSG's net debt is more than 20 years of its operating earnings (EBITDA), up from 2.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OSG.
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.
OSG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.2 | Neutral |
| Stochastic | 59.9 | Neutral |
OSG's weekly RSI is 49 (neutral) and its Stochastic is 60 (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).
OSG PE vs Financial Services Sector
| Metric | OSG | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OSG 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.
OSG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.74 | 7.4% above |
| 20 week MA | $5.04 | 1% above |
| 50 week MA | $5.52 | 7.8% below |
| 100 week MA | $7.22 | 30% below |
| 200 week MA | $10.7 | 52% below |
OSG 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.
OSG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.6 | $16.7 | -23% |
| 2021 | $16.7 | $15.5 | -7.4% |
| 2022 | $15.5 | $16.7 | +7.6% |
| 2023 | $16.7 | $16.5 | -1% |
| 2024 | $16.5 | $12.3 | -25% |
| 2025 | $12.3 | $8.00 | -35% |
| 2026 YTD | $8.00 | $5.09 | -36% |
OSG 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.