PDLB
Ponce Financial Group, Inc.
PDLB has the edge over SOFI overall, supported by stronger valuation and lower modeled downside.
SOFI
SoFi Technologies, Inc.
SOFI's outlook is improving, though it still trails on the overall score.
PDLB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PDLB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PDLB.
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.
PDLB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $22.20 | — |
| Current | 12x | $22.20 | — |
| Cheap | 15x | $27.86 | +26% |
| Fair | 22x | $42.18 | +90% |
| Expensive | 38x | $72.93 | +229% |
Historical ranges are pointers, not guarantees.
PDLB 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.
PDLB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for PDLB, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PDLB on the outlook, with more favorable valuation and profitability expectations.
PDLB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.99 | +4.7% |
| Q3 2026 | $1.90 | +116% |
| Q2 2026 | $1.41 | +99% |
| Q1 2026 | $1.31 | +118% |
| Q4 2025 | $1.20 | +161% |
| Q3 2025 | $0.88 | +138% |
| Q2 2025 | $0.71 | +82% |
| Q1 2025 | $0.60 | +140% |
| Q4 2024 | $0.46 | +207% |
PDLB 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.
PDLB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $34.8M | +30% |
| Q2 2026 | $31.6M | +19% |
| Q1 2026 | $30.3M | +23% |
| Q4 2025 | $31.4M | +38% |
| Q3 2025 | $26.7M | +33% |
| Q2 2025 | $26.5M | +31% |
| Q1 2025 | $24.6M | +20% |
| Q4 2024 | $22.8M | +24% |
PDLB's revenue has grown year over year for eight quarters in a row: $35M last quarter, up 30% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +2.8 points |
| Q2 2026 | 36% | +5.6 points |
| Q1 2026 | 38% | +5.1 points |
| Q4 2025 | 44% | +24 points |
| Q3 2025 | 33% | +18 points |
| Q2 2025 | 30% | +8.4 points |
| Q1 2025 | 32% | +14 points |
| Q4 2024 | 20% | +14 points |
PDLB has the edge over SOFI on profitability, with a higher operating margin.
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 PDLB 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'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.
PDLB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.4M | +1603% |
| Q2 2026 | $8M | +36% |
| Q1 2026 | $13.8M | +7% |
| Q4 2025 | $35M | +56% |
| Q3 2025 | $786K | +$15.7M |
| Q2 2025 | $5.9M | +$8.5M |
| Q1 2025 | $12.9M | +$13.2M |
| Q4 2024 | $22.4M | -30% |
PDLB 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.
PDLB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +142K shares |
| 1 year | +2.2% | +515K shares |
| 3 years | +5.8% | +1.3M shares |
PDLB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | $5.8M |
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 | — |
PDLB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 10.5x | High |
| Q2 2026 | 9.6x | High |
| Q1 2026 | 9.7x | High |
| Q4 2025 | 10.9x | High |
| Q3 2025 | 11.0x | High |
| Q2 2025 | 14.4x | High |
| Q1 2025 | 15.5x | High |
| Q4 2024 | 22.3x | High |
PDLB's net debt is about 11 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PDLB.
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 the edge over PDLB on leverage, with a lower net debt burden relative to earnings.
PDLB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.4 | Overbought |
| Stochastic | 76.7 | Neutral |
PDLB's weekly RSI is 70 (overbought) and its Stochastic is 77 (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).
PDLB PE vs Financial Services Sector
| Metric | PDLB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 10% below |
| PE % | 1 | 63 | 62 pts below |
PDLB 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.
PDLB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.0 | 5.8% above |
| 20 week MA | $20.6 | 7.8% above |
| 50 week MA | $18.6 | 19% above |
| 100 week MA | $16.1 | 38% above |
| 200 week MA | $12.7 | 75% above |
PDLB 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.
PDLB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.8 | $10.4 | -30% |
| 2021 | $10.4 | $14.7 | +42% |
| 2022 | $14.7 | $9.51 | -35% |
| 2023 | $9.51 | $9.76 | +2.6% |
| 2024 | $9.76 | $12.8 | +31% |
| 2025 | $12.8 | $16.8 | +32% |
| 2026 YTD | $16.8 | $22.2 | +32% |
PDLB 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.