PMTS
CPI Card Group Inc.
PMTS's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PMTS overall, supported by stronger valuation and stronger fundamentals.
PMTS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PMTS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PMTS.
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.
PMTS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.6x | $25.16 | — |
| Cheap | 7.7x | $10.50 | -58% |
| Fair | 13x | $17.47 | -31% |
| Expensive | 18x | $24.54 | -2.5% |
| Current | 18x | $25.16 | — |
Historical ranges are pointers, not guarantees.
PMTS's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 7.6x next year's earnings, 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 PMTS in the historical PE scenario, which offers more potential upside but is not a forecast.
PMTS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for PMTS, with profitability improving. However, they disagree widely on these estimates.
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.
PMTS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | +142% |
| Q3 2026 | $1.37 | +15% |
| Q2 2026 | $1.15 | +3.6% |
| Q1 2026 | $1.02 | -35% |
| Q4 2025 | $1.25 | -24% |
| Q3 2025 | $1.19 | -8.5% |
| Q2 2025 | $1.11 | -27% |
| Q1 2025 | $1.58 | +1.3% |
| Q4 2024 | $1.64 | -18% |
PMTS's earnings per share have fallen from their peak: $1.37 over the past year, against $3.54 in mid-2023.
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 PMTS on earnings, with more consistent year-over-year improvement.
PMTS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $158.4M | +15% |
| Q2 2026 | $149.2M | +15% |
| Q1 2026 | $147.1M | +20% |
| Q4 2025 | $153.1M | +22% |
| Q3 2025 | $138M | +11% |
| Q2 2025 | $129.8M | +9.2% |
| Q1 2025 | $122.8M | +9.7% |
| Q4 2024 | $125.1M | +22% |
PMTS's revenue has grown year over year for 10 quarters in a row: $158M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | +0.5 points |
| Q2 2026 | 8% | +0.7 points |
| Q1 2026 | 7.5% | -4 points |
| Q4 2025 | 12% | -0.8 points |
| Q3 2025 | 9.4% | -4.8 points |
| Q2 2025 | 7.3% | -5.3 points |
| Q1 2025 | 11% | -1.2 points |
| Q4 2024 | 13% | +2.5 points |
PMTS's operating margin was 9.9% last quarter, about level with 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 PMTS 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 has the edge over PMTS on profitability, with a higher operating margin.
PMTS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.1M | +90% |
| Q2 2026 | $25.9M | +4762% |
| Q1 2026 | $10.1M | +3371% |
| Q4 2025 | $35.2M | +63% |
| Q3 2025 | $5.3M | -52% |
| Q2 2025 | $533K | +$6.5M |
| Q1 2025 | $292K | -96% |
| Q4 2024 | $21.6M | +89% |
PMTS 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.
PMTS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +127K shares |
| 1 year | +2.6% | +313K shares |
| 3 years | +2.9% | +339K shares |
| 5 years | +3.1% | +367K shares |
| Available history | +8.7% | +970K shares |
PMTS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | $2.2M |
| Q2 2024 | $5.2M |
| Q1 2024 | $1.3M |
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 | — |
PMTS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.9x | Moderate |
| Q2 2026 | 3.0x | Elevated |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 3.4x | Elevated |
| Q3 2025 | 4.0x | High |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.1x | Elevated |
| Q4 2024 | 3.1x | Elevated |
PMTS's net debt is about 2.9 years of its operating earnings (EBITDA), down from 4.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PMTS.
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 PMTS on leverage, with a lower net debt burden relative to earnings.
PMTS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.1 | Neutral |
| Stochastic | 40.6 | Neutral |
PMTS's weekly RSI is 56 (neutral) and its Stochastic is 41 (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).
PMTS PE vs Financial Services Sector
| Metric | PMTS | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 41% above |
| PE % | 84 | 63 | 21 pts above |
PMTS 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.
PMTS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.3 | 0.6% below |
| 20 week MA | $24.5 | 2.7% above |
| 50 week MA | $19.2 | 31% above |
| 100 week MA | $20.7 | 21% above |
| 200 week MA | $22.9 | 9.8% above |
PMTS 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.
PMTS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $0.82 | $4.25 | +418% |
| 2021 | $4.25 | $20.1 | +373% |
| 2022 | $20.1 | $35.1 | +75% |
| 2023 | $35.1 | $19.2 | -45% |
| 2024 | $19.2 | $31.9 | +66% |
| 2025 | $31.9 | $15.2 | -52% |
| 2026 YTD | $15.2 | $25.2 | +65% |
PMTS 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.