RAND
Rand Capital Corporation
There isn't enough reported data to score RAND 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.
RAND Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
RAND'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 RAND.
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.
RAND PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.4x | $3.55 | -63% |
| Fair | 5.5x | $5.69 | -41% |
| Current | 9.4x | $9.65 | — |
| Expensive | 11x | $11.63 | +21% |
Historical ranges are pointers, not guarantees.
RAND's PE is 9.4x, but its earnings don't support one, so it isn't a reliable read right now.
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 RAND in the historical PE scenario, which offers more potential upside but is not a forecast.
RAND Forward outlook
There aren't enough analyst estimates for RAND to show an outlook.
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.
RAND Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.03 | +$5.23 |
| Q2 2026 | -$0.04 | +$2.39 |
| Q1 2026 | -$3.10 | -198% |
| Q4 2025 | -$2.69 | -179% |
| Q3 2025 | -$4.20 | -184% |
| Q2 2025 | -$2.43 | -158% |
| Q1 2025 | $3.17 | +42% |
| Q4 2024 | $3.42 | +35% |
RAND has returned to profit: it earned $1.03 per share over the past year, after losing money the year before.
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 RAND on earnings, with more consistent year-over-year improvement.
RAND Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2022 | $868.6K | -35% |
| Q3 2022 | $1.4M | -46% |
| Q3 2021 | $2.6M | +358% |
| Q2 2021 | $4.8M | +540% |
| Q1 2021 | $1.3M | -49% |
SOFI has the stronger quarterly revenue trend. Revenue is down 35% for RAND versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2022 | 64% | +9.1 points |
| Q3 2022 | 82% | -7.3 points |
| Q4 2021 | 55% | N/A |
| Q3 2021 | 89% | +43 points |
| Q2 2021 | 93% | +37 points |
| Q1 2021 | 614% | +529 points |
| Q3 2020 | 46% | N/A |
| Q2 2020 | 56% | N/A |
RAND's operating margin was 64% last quarter, down 28 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.
RAND Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $754.5K | -87% |
| Q2 2026 | -$3.6M | -1147% |
| Q1 2026 | -$3.5M | -146% |
| Q4 2025 | -$2.8M | -453% |
| Q3 2025 | $5.9M | -61% |
| Q2 2025 | $347.7K | -92% |
| Q1 2025 | $7.7M | +$12.6M |
| Q4 2024 | $782.1K | +$1.8M |
RAND 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.
RAND Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | +15% | +389K shares |
| 5 years | +15% | +388K shares |
| Available history | +82% | +1.3M shares |
RAND has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $20,771 |
| Q2 2021 | — |
| Q1 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 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 | — |
RAND Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | -1.3x | Net Cash |
| Q1 2022 | -0.1x | Net Cash |
| Q4 2021 | -0.1x | Net Cash |
| Q3 2021 | -0.2x | Net Cash |
| Q2 2021 | -0.2x | Net Cash |
| Q1 2021 | -0.5x | Net Cash |
| Q4 2020 | -3.8x | Net Cash |
| Q3 2020 | -1.8x | Net Cash |
RAND has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RAND.
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.
RAND Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.0 | Neutral |
| Stochastic | 21.8 | Neutral |
RAND's weekly RSI is 41 (neutral) and its Stochastic is 22 (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).
RAND PE vs Financial Services Sector
| Metric | RAND | Sector median | Relative |
|---|---|---|---|
| PE | 9.4x | 13x | 28% below |
| PE % | 79 | 63 | 16 pts above |
RAND 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.
RAND Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.80 | 1.5% below |
| 20 week MA | $10.1 | 4.7% below |
| 50 week MA | $10.9 | 12% below |
| 100 week MA | $14.3 | 33% below |
| 200 week MA | $14.4 | 33% below |
RAND 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 RAND on trend strength, trading above more of its moving averages.
RAND Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.1 | $15.6 | -38% |
| 2021 | $15.6 | $16.8 | +7.8% |
| 2022 | $16.8 | $14.0 | -17% |
| 2023 | $14.0 | $13.0 | -6.9% |
| 2024 | $13.0 | $18.2 | +40% |
| 2025 | $18.2 | $11.2 | -39% |
| 2026 YTD | $11.2 | $9.65 | -14% |
RAND 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.