OXSQ
Oxford Square Capital Corp.
There isn't enough reported data to score OXSQ 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.
OXSQ Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
OXSQ's profitability is currently healthy, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like OXSQ.
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.
OXSQ PE Valuation
OXSQ has no meaningful PE right now: it lost money over the past year.
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.
OXSQ Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Decline | |
| Growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect OXSQ's revenue to grow, but its earnings and profitability to decline.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over OXSQ on the outlook, with more favorable earnings and profitability expectations.
OXSQ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.18 | -44% |
| Q3 2023 | -$0.09 | +$1.16 |
| Q2 2023 | -$0.42 | +$0.38 |
| Q1 2023 | -$1.42 | -810% |
| Q4 2022 | -$1.71 | -314% |
| Q3 2022 | -$1.25 | -178% |
| Q2 2022 | -$0.80 | -145% |
| Q1 2022 | $0.20 | -90% |
| Q4 2021 | $0.80 | +7900% |
OXSQ has the stronger earnings trend. Trailing diluted EPS is up 256% for OXSQ versus SOFI flat.
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.
OXSQ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2023 | $12.9M | +31% |
| Q4 2022 | $11.9M | +17% |
| Q2 2022 | $9.9M | +27% |
| Q1 2022 | $9.9M | +5.4% |
| Q4 2021 | $10.2M | -76% |
| Q3 2021 | $9.8M | +19% |
| Q2 2021 | $7.8M | -67% |
| Q1 2021 | $9.4M | -14% |
SOFI has the stronger quarterly revenue trend. Revenue is up 31% for OXSQ versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2023 | 84% | +9.2 points |
| Q4 2022 | 81% | +6 points |
| Q2 2022 | 75% | +8.3 points |
| Q1 2022 | 74% | +2.8 points |
| Q4 2021 | 75% | -19 points |
| Q3 2021 | 72% | -2.9 points |
| Q2 2021 | 67% | -21 points |
| Q1 2021 | 72% | -7.4 points |
OXSQ's operating margin was 84% last quarter, up 8.7 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
OXSQ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $116.4K | +$20.1M |
| Q2 2026 | -$14.1M | -$12.4M |
| Q1 2026 | -$14.4M | -340% |
| Q4 2025 | $1.9M | +$8.1M |
| Q3 2025 | -$19.9M | -481% |
| Q2 2025 | -$1.7M | -126% |
| Q1 2025 | $6M | -70% |
| Q4 2024 | -$6.2M | -162% |
OXSQ has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
OXSQ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +12% | +12M shares |
| 1 year | +52% | +38M shares |
| 3 years | +120% | +60.7M shares |
| 5 years | +124% | +61.7M shares |
| Available history | +126% | +62.1M shares |
OXSQ has 111M diluted shares, up 52% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
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 the edge over OXSQ on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
OXSQ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2023 | 10.5x | High |
| Q4 2022 | 13.4x | High |
| Q3 2022 | 15.3x | High |
| Q2 2022 | 5.5x | High |
| Q1 2022 | 6.3x | High |
| Q4 2021 | 6.6x | High |
| Q3 2021 | 2.8x | Moderate |
| Q2 2021 | 2.1x | Moderate |
OXSQ's net debt is about 11 years of its operating earnings (EBITDA), up from 6.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OXSQ.
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.
OXSQ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 20.2 | Oversold |
| Stochastic | 10.3 | Oversold |
OXSQ's weekly RSI is 20 (oversold) and its Stochastic is 10 (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).
OXSQ PE vs Financial Services Sector
| Metric | OXSQ | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OXSQ 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.
OXSQ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.13 | 29% below |
| 20 week MA | $1.30 | 38% below |
| 50 week MA | $1.55 | 48% below |
| 100 week MA | $1.93 | 59% below |
| 200 week MA | $2.48 | 68% below |
OXSQ is in a downtrend: it's below all five of its weekly moving averages, and 68% 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 the edge over OXSQ on trend strength, trading above more of its moving averages.
OXSQ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.40 | $3.06 | -43% |
| 2021 | $3.06 | $4.08 | +33% |
| 2022 | $4.08 | $3.00 | -26% |
| 2023 | $3.00 | $2.86 | -4.7% |
| 2024 | $2.86 | $2.46 | -14% |
| 2025 | $2.46 | $1.72 | -30% |
| 2026 YTD | $1.72 | $0.80 | -53% |
OXSQ has finished four years in a row lower, and it's down 53% so far in 2026.
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 has the edge over OXSQ on returns for 2026, with the stronger performance.