RLI
RLI Corp.
RLI trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over RLI overall, supported by stronger modeled upside and stronger valuation.
RLI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RLI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RLI.
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.
RLI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $51.93 | -25% |
| Current | 16x | $69.12 | — |
| Fair | 19x | $81.55 | +18% |
| Forward | 25x | $69.12 | — |
| Expensive | 31x | $134 | +94% |
Historical ranges are pointers, not guarantees.
RLI's PE is in its cheap range at 16x. On analysts' estimates for next year's earnings, today's price would be 25x, in its expensive 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 RLI in the historical PE scenario, which offers more potential upside but is not a forecast.
RLI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect RLI'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 RLI on the outlook, with more favorable valuation and earnings expectations.
RLI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.73 | -36% |
| Q3 2026 | $4.30 | +13% |
| Q2 2026 | $4.77 | +37% |
| Q1 2026 | $4.29 | +41% |
| Q4 2025 | $4.37 | +17% |
| Q3 2025 | $3.81 | -16% |
| Q2 2025 | $3.49 | -4.6% |
| Q1 2025 | $3.04 | -16% |
| Q4 2024 | $3.74 | +13% |
RLI's earnings per share have fallen from their peak: $4.30 over the past year, against $7.79 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 earned $0.56 per share over the past year, about the same as the year before.
RLI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $477M | -6.3% |
| Q2 2026 | $575.6M | +15% |
| Q1 2026 | $423.9M | +4% |
| Q4 2025 | $465.7M | +6.1% |
| Q3 2025 | $509.3M | +8.4% |
| Q2 2025 | $499.8M | +20% |
| Q1 2025 | $407.7M | -8.4% |
| Q4 2024 | $439.1M | +1.3% |
RLI's revenue is growing: $477M last quarter, down 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -9.9 points |
| Q2 2026 | 37% | +5.3 points |
| Q1 2026 | 16% | -3.4 points |
| Q4 2025 | 24% | +14 points |
| Q3 2025 | 31% | +6 points |
| Q2 2025 | 31% | +6.5 points |
| Q1 2025 | 19% | -17 points |
| Q4 2024 | 11% | -22 points |
RLI's operating margin was 21% last quarter, down 9.9 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 RLI 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 RLI on profitability, with a higher operating margin.
RLI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $192.4M | +8.2% |
| Q2 2026 | $142.4M | -18% |
| Q1 2026 | $41.8M | -59% |
| Q4 2025 | $155M | +21% |
| Q3 2025 | $177.8M | -19% |
| Q2 2025 | $173.4M | +25% |
| Q1 2025 | $102.5M | +47% |
| Q4 2024 | $127.6M | +4.9% |
RLI 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.
RLI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +91K shares |
| 1 year | -0.1% | -59K shares |
| 3 years | +0.1% | +121K shares |
| 5 years | +1% | +873K shares |
| Available history | +1.9% | +1.7M shares |
RLI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.3M |
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 | — |
RLI Net Leverage
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.
RLI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.5 | Neutral |
| Stochastic | 82.5 | Overbought |
RLI's weekly RSI is 65 (neutral) and its Stochastic is 83 (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).
RLI PE vs Financial Services Sector
| Metric | RLI | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 23% above |
| PE % | 27 | 63 | 36 pts below |
RLI 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.
RLI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.0 | 12% above |
| 20 week MA | $62.2 | 11% above |
| 50 week MA | $59.6 | 16% above |
| 100 week MA | $65.5 | 5.5% above |
| 200 week MA | $68.1 | 1.5% above |
RLI 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.
RLI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $44.9 | $51.9 | +16% |
| 2021 | $51.9 | $54.7 | +5.4% |
| 2022 | $54.7 | $66.9 | +22% |
| 2023 | $66.9 | $66.6 | -0.4% |
| 2024 | $66.6 | $83.0 | +25% |
| 2025 | $83.0 | $64.7 | -22% |
| 2026 YTD | $64.7 | $69.1 | +6.8% |
RLI 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.