RDN
Radian Group Inc.
RDN has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over RDN overall, supported by stronger valuation and stronger fundamentals.
RDN Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
RDN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RDN.
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.
RDN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.7x | $23.35 | -36% |
| Forward | 7.1x | $36.75 | — |
| Fair | 8.1x | $33.18 | -9.7% |
| Current | 9x | $36.75 | — |
| Expensive | 9.2x | $37.34 | +1.6% |
Historical ranges are pointers, not guarantees.
RDN's PE is in its expensive range at 9.0x. If earnings grow as analysts expect, today's price would be 7.1x 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 RDN in the historical PE scenario, which offers more potential upside but is not a forecast.
RDN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RDN, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over RDN on the outlook, with more favorable profitability expectations.
RDN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.16 | +26% |
| Q3 2026 | $4.08 | +2% |
| Q2 2026 | $3.89 | -1.8% |
| Q1 2026 | $4.06 | +3.6% |
| Q4 2025 | $4.15 | +5.9% |
| Q3 2025 | $4.00 | +3.9% |
| Q2 2025 | $3.96 | +3.1% |
| Q1 2025 | $3.92 | +4% |
| Q4 2024 | $3.92 | +4% |
RDN 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.
RDN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $624.1M | +106% |
| Q2 2026 | $575M | +81% |
| Q1 2026 | $466.3M | +47% |
| Q4 2025 | $300.5M | -4.9% |
| Q3 2025 | $303.2M | -9.2% |
| Q2 2025 | $318M | -1% |
| Q1 2025 | $318.1M | -0.4% |
| Q4 2024 | $315.9M | -3.1% |
RDN's revenue has picked up after three years of holding roughly level: $624M last quarter, up 106% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -29 points |
| Q2 2026 | 26% | -29 points |
| Q1 2026 | 37% | -22 points |
| Q4 2025 | 67% | +7 points |
| Q3 2025 | 66% | +7 points |
| Q2 2025 | 55% | -3.5 points |
| Q1 2025 | 59% | -2.9 points |
| Q4 2024 | 60% | +4.7 points |
RDN 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 RDN 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'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.
RDN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $379M | +6% |
| Q2 2026 | $342.7M | +$1.1B |
| Q1 2026 | $284.3M | +327% |
| Q4 2025 | $406.1M | +$675.9M |
| Q3 2025 | $357.6M | +$595.7M |
| Q2 2025 | -$714.6M | -$506.3M |
| Q1 2025 | $66.6M | +35% |
| Q3 2024 | -$238.1M | -417% |
RDN 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.
RDN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -1.9M shares |
| 1 year | -2.6% | -3.5M shares |
| 3 years | -16% | -25.8M shares |
| 5 years | -29% | -53.7M shares |
| Available history | -34% | -70.8M shares |
RDN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $125.5M |
| Q2 2026 | $80.3M |
| Q1 2026 | $50M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $223M |
| Q1 2025 | $208.9M |
| Q4 2024 | $76M |
RDN spent $256M buying back its own shares over the past year, down 50% from 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 | — |
RDN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 2.2x | Moderate |
| Q4 2019 | 0.9x | Very low |
RDN's net debt is about 1.3 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like RDN.
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.
RDN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.5 | Neutral |
| Stochastic | 60.6 | Neutral |
RDN's weekly RSI is 55 (neutral) and its Stochastic is 61 (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).
RDN PE vs Financial Services Sector
| Metric | RDN | Sector median | Relative |
|---|---|---|---|
| PE | 9x | 13x | 31% below |
| PE % | 79 | 63 | 16 pts above |
RDN 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.
RDN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.7 | 5.9% above |
| 20 week MA | $36.2 | 1.4% above |
| 50 week MA | $35.3 | 4.1% above |
| 100 week MA | $34.5 | 6.5% above |
| 200 week MA | $31.6 | 16% above |
RDN 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.
RDN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.3 | $20.0 | -21% |
| 2021 | $20.0 | $20.5 | +2.6% |
| 2022 | $20.5 | $19.1 | -7.1% |
| 2023 | $19.1 | $28.6 | +50% |
| 2024 | $28.6 | $31.8 | +11% |
| 2025 | $31.8 | $36.4 | +15% |
| 2026 YTD | $36.4 | $36.8 | +0.9% |
RDN 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.