OWL
Blue Owl Capital Inc.
OWL offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over OWL overall, supported by stronger valuation and stronger modeled upside.
OWL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Weak | |
| N/A | |
| N/A |
OWL's revenue is currently strong, but its profitability is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like OWL.
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.
OWL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $9.75 | — |
| Current | 70x | $9.75 | — |
| Cheap | 90x | $12.57 | +29% |
| Fair | 142x | $19.84 | +104% |
| Expensive | 192x | $26.83 | +175% |
Historical ranges are pointers, not guarantees.
OWL has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
OWL Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OWL, with profitability improving.
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.
OWL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.94 | +574% |
| Q3 2026 | $0.14 | +56% |
| Q2 2026 | $0.12 | 0% |
| Q1 2026 | $0.12 | -25% |
| Q4 2025 | $0.10 | -50% |
| Q3 2025 | $0.09 | -47% |
| Q2 2025 | $0.12 | -25% |
| Q1 2025 | $0.16 | +33% |
| Q4 2024 | $0.20 | +100% |
OWL's earnings per share have fallen from their peak: $0.14 over the past year, against $0.20 in late 2024. Its recent earnings include one-off gains.
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 OWL on earnings, with more consistent year-over-year improvement.
OWL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $806.5M | +436% |
| Q2 2026 | $137M | -0.7% |
| Q1 2026 | $138M | +4.1% |
| Q4 2025 | $146.8M | +6.7% |
| Q3 2025 | $150.4M | -75% |
| Q2 2025 | $138M | -75% |
| Q1 2025 | $132.6M | -74% |
| Q4 2024 | $137.6M | -72% |
OWL's revenue is growing: $807M last quarter, up 436% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | +327 points |
| Q2 2026 | -365% | -27 points |
| Q1 2026 | -367% | -9.5 points |
| Q4 2025 | -301% | -43 points |
| Q3 2025 | -309% | -332 points |
| Q2 2025 | -338% | -369 points |
| Q1 2025 | -357% | -388 points |
| Q4 2024 | -258% | -282 points |
OWL's operating margin was 18% last quarter, up 327 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 OWL 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 OWL on profitability, with a higher operating margin.
OWL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $601.4M | +42% |
| Q2 2026 | $452.9M | +9.8% |
| Q1 2026 | $89M | +1996% |
| Q4 2025 | $359.1M | +16% |
| Q3 2025 | $422.5M | +34% |
| Q2 2025 | $412.5M | +53% |
| Q1 2025 | $4.2M | -90% |
| Q4 2024 | $310.1M | +13% |
OWL 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.
OWL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.5% | +10.6M shares |
| 1 year | +3.7% | +25.2M shares |
| 3 years | -51% | -732M shares |
| 5 years | +118% | +379M shares |
OWL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $25M |
| Q4 2025 | $52M |
| Q3 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
OWL spent $77M buying back its own shares over the past year.
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 | — |
OWL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2024 | 6.3x | High |
| Q3 2024 | 2.9x | Moderate |
| Q2 2024 | 2.6x | Moderate |
| Q1 2024 | 2.7x | Moderate |
| Q4 2023 | 2.5x | Moderate |
| Q3 2023 | 3.1x | Elevated |
| Q2 2023 | 3.7x | Elevated |
| Q1 2023 | 4.8x | High |
OWL's net debt is about 6.3 years of its operating earnings (EBITDA), up from 2.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OWL.
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.
OWL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.2 | Neutral |
| Stochastic | 32.1 | Neutral |
OWL's weekly RSI is 46 (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).
OWL PE vs Financial Services Sector
| Metric | OWL | Sector median | Relative |
|---|---|---|---|
| PE | 70x | 13x | 435% above |
| PE % | 0 | 61 | 61 pts below |
OWL is trading at 70x earnings, a 435% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over OWL on valuation relative to its sector.
OWL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.50 | 2.6% above |
| 20 week MA | $10.2 | 4.2% below |
| 50 week MA | $11.0 | 11% below |
| 100 week MA | $15.1 | 36% below |
| 200 week MA | $15.3 | 36% below |
OWL has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 36% below its 200-week average.
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.
OWL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.8 | $11.6 | +7.2% |
| 2021 | $11.6 | $14.9 | +29% |
| 2022 | $14.9 | $10.7 | -28% |
| 2023 | $10.7 | $14.9 | +39% |
| 2024 | $14.9 | $23.6 | +58% |
| 2025 | $23.6 | $15.0 | -36% |
| 2026 YTD | $15.0 | $9.75 | -35% |
OWL 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.