PLGO
Pelagos Insurance Capital Limit
PLGO trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PLGO overall, supported by stronger modeled upside and stronger valuation.
PLGO Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PLGO's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PLGO.
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.
PLGO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.9x | $20.62 | -28% |
| Fair | 6.8x | $23.72 | -18% |
| Forward | 7.6x | $28.83 | — |
| Current | 8.3x | $28.83 | — |
| Expensive | 10x | $34.97 | +21% |
Historical ranges are pointers, not guarantees.
PLGO's PE is in its fair range at 8.3x. If earnings grow as analysts expect, today's price would be 7.6x 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 has the edge over PLGO in the historical PE scenario, which offers more potential upside but is not a forecast.
PLGO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Strong growth | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for PLGO, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PLGO on the outlook, with more favorable profitability expectations.
PLGO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.77 | +8.3% |
| Q3 2026 | $3.48 | +$3.49 |
| Q2 2026 | $3.98 | +$4.35 |
| Q1 2026 | $3.64 | +$3.73 |
| Q4 2025 | $2.11 | +115% |
| Q4 2024 | $0.98 | -95% |
PLGO 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.
PLGO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $800.9M | +23% |
| Q2 2026 | $650M | +10% |
| Q1 2026 | $610.6M | -7.3% |
| Q4 2025 | $600.9M | -11% |
| Q3 2025 | $651.9M | -5% |
| Q2 2025 | $589.3M | +9.1% |
| Q1 2025 | $658.4M | +27% |
| Q4 2024 | $673.8M | -81% |
PLGO's revenue is recovering but still below its 2023 peak: $801M last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.2% | -16 points |
| Q2 2026 | 8.1% | +4.4 points |
| Q1 2026 | 17% | +25 points |
| Q4 2025 | 24% | +45 points |
| Q3 2025 | 25% | +7.5 points |
| Q2 2025 | 3.8% | -7.9 points |
| Q1 2025 | -7.6% | -26 points |
| Q4 2024 | -21% | -78 points |
PLGO's operating margin was 9.2% last quarter, down 16 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 PLGO 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 PLGO on profitability, with a higher operating margin.
PLGO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $133.7M | -14% |
| Q2 2026 | -$26.7M | +$332.6M |
| Q1 2026 | $273.6M | +$707M |
| Q4 2025 | $228.6M | +82% |
| Q3 2025 | $154.6M | -51% |
| Q2 2025 | -$359.3M | -274% |
| Q1 2025 | -$433.4M | -$397.8M |
| Q4 2024 | $125.4M | -74% |
PLGO 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.
PLGO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -2.1M shares |
| 1 year | -21% | -22M shares |
| 3 years | -29% | -33.5M shares |
PLGO has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $83M |
| Q2 2026 | $60.1M |
| Q1 2026 | $219.4M |
| Q4 2025 | $118.7M |
| Q3 2025 | $31.9M |
| Q2 2025 | $88.7M |
| Q1 2025 | $22.1M |
| Q4 2024 | — |
PLGO spent $481M buying back its own shares over the past year, about three times what it spent the year before.
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 | — |
PLGO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | -3.7x | Net Cash |
| Q1 2025 | -30.9x | Net Cash |
| Q4 2024 | -2.0x | Net Cash |
| Q4 2023 | -0.1x | Net Cash |
PLGO's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like PLGO.
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 PLGO on leverage, with a lower net debt burden relative to earnings.
PLGO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.5 | Overbought |
| Stochastic | 91.0 | Overbought |
PLGO's weekly RSI is 75 (overbought) and its Stochastic is 91 (overbought).
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).
PLGO PE vs Financial Services Sector
| Metric | PLGO | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 64 | 46 | 18 pts above |
PLGO 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.
PLGO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.8 | 12% above |
| 20 week MA | $25.3 | 14% above |
| 50 week MA | $22.2 | 30% above |
| 100 week MA | $19.5 | 48% above |
PLGO has stronger trend alignment. PLGO is above 4 of 4 weekly averages versus SOFI above 1 of 5.
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.
PLGO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $13.7 | $12.7 | -7.3% |
| 2024 | $12.7 | $17.6 | +39% |
| 2025 | $17.6 | $19.5 | +11% |
| 2026 YTD | $19.5 | $28.8 | +48% |
PLGO 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.