PFLT
PennantPark Floating Rate Capital Ltd.
PFLT has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PFLT overall, supported by stronger valuation and stronger fundamentals.
PFLT Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Healthy | |
| N/A | |
| N/A |
PFLT's profitability is currently healthy, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFLT.
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.
PFLT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 6.3x | $6.73 | — |
| Cheap | 7.8x | $3.97 | -41% |
| Fair | 13x | $6.55 | -2.6% |
| Current | 13x | $6.73 | — |
| Expensive | 36x | $18.38 | +173% |
Historical ranges are pointers, not guarantees.
PFLT's PE is in its fair range at 13x. On analysts' estimates for next year's earnings, today's price would be 6.3x, in its cheap 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 PFLT in the historical PE scenario, which offers more potential upside but is not a forecast.
PFLT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect PFLT's profitability to weaken, with its earnings and revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PFLT on the outlook, with more favorable earnings and revenue expectations.
PFLT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.06 | +109% |
| Q2 2026 | $0.51 | -41% |
| Q1 2026 | $0.62 | -33% |
| Q4 2025 | $0.35 | -75% |
| Q3 2025 | $0.73 | -50% |
| Q2 2023 | -$0.13 | -125% |
| Q1 2023 | -$0.35 | -134% |
| Q4 2022 | -$0.31 | -127% |
| Q3 2022 | $0.09 | -94% |
PFLT's earnings per share have fallen from their peak: $0.51 over the past year, against $1.79 in mid-2021.
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 PFLT on earnings, with more consistent year-over-year improvement.
PFLT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2022 | $3.2M | -85% |
| Q1 2022 | $18.7M | +8.1% |
| Q4 2021 | $23.5M | -27% |
| Q3 2021 | $13M | -45% |
| Q2 2021 | $21.1M | +3.9% |
| Q4 2020 | $32.3M | +76% |
| Q3 2020 | $23.6M | +62% |
SOFI has the stronger quarterly revenue trend. Revenue is down 131% for PFLT versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2022 | -157% | -227 points |
| Q1 2022 | 60% | -8.5 points |
| Q4 2021 | 68% | -13 points |
| Q3 2021 | 32% | -41 points |
| Q2 2021 | 70% | +7.9 points |
| Q1 2021 | 68% | N/A |
| Q4 2020 | 81% | +26 points |
| Q3 2020 | 72% | +22 points |
PFLT's operating margin was −157% last quarter, down 227 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
PFLT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $103.3M | +$138.5M |
| Q1 2026 | $24.3M | +$142.4M |
| Q4 2025 | $148.6M | +$381.3M |
| Q3 2025 | -$334.5M | -$42.8M |
| Q2 2025 | -$35.3M | +$119.8M |
| Q1 2025 | -$118.1M | +$54.5M |
| Q4 2024 | -$232.7M | -$50.7M |
| Q3 2024 | -$291.7M | -488% |
PFLT 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.
PFLT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | +69% | +40.5M shares |
| 5 years | +156% | +60.4M shares |
| Available history | +156% | +60.4M shares |
PFLT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
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 | — |
PFLT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 73.7x | High |
| Q2 2022 | 27.2x | High |
| Q1 2022 | 15.1x | High |
| Q4 2021 | 14.7x | High |
| Q3 2021 | 10.6x | High |
| Q2 2021 | 7.4x | High |
| Q1 2021 | 6.9x | High |
| Q4 2020 | 11.3x | High |
PFLT's net debt is more than 20 years of its operating earnings (EBITDA), up from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PFLT.
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.
PFLT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.0 | Neutral |
| Stochastic | 45.6 | Neutral |
PFLT's weekly RSI is 38 (neutral) and its Stochastic is 46 (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).
PFLT PE vs Financial Services Sector
| Metric | PFLT | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.1% above |
| PE % | 55 | 63 | 8 pts below |
PFLT 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.
PFLT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.74 | 0.1% below |
| 20 week MA | $7.04 | 4.4% below |
| 50 week MA | $8.00 | 16% below |
| 100 week MA | $9.13 | 26% below |
| 200 week MA | $10.1 | 33% below |
PFLT is in a downtrend: it's below all five of its weekly moving averages, and 33% 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 PFLT on trend strength, trading above more of its moving averages.
PFLT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.3 | $10.3 | -16% |
| 2021 | $10.3 | $12.6 | +23% |
| 2022 | $12.6 | $11.0 | -13% |
| 2023 | $11.0 | $12.1 | +10% |
| 2024 | $12.1 | $10.8 | -10% |
| 2025 | $10.8 | $9.15 | -16% |
| 2026 YTD | $9.15 | $6.73 | -26% |
PFLT 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.