RNR
RenaissanceRe Holdings Ltd.
RNR trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over RNR overall, supported by stronger modeled upside and stronger valuation.
RNR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Strong | |
| N/A | |
| N/A |
RNR's profitability is currently strong, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like RNR.
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.
RNR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5x | $171 | -52% |
| Fair | 7.4x | $256 | -28% |
| Forward | 8.4x | $355 | — |
| Current | 10x | $355 | — |
| Expensive | 15x | $500 | +41% |
Historical ranges are pointers, not guarantees.
RNR's PE is in its fair range at 10x. On analysts' estimates for next year's earnings, today's price would be 8.4x.
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 RNR in the historical PE scenario, which offers more potential upside but is not a forecast.
RNR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Decline | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect RNR's profitability to improve, but its revenue to decline. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over RNR on the outlook, with more favorable earnings and revenue expectations.
RNR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $42.22 | +22% |
| Q3 2026 | $34.47 | -4.5% |
| Q2 2026 | $57.88 | +47% |
| Q1 2026 | $59.33 | +88% |
| Q4 2025 | $56.03 | +59% |
| Q3 2025 | $36.11 | -49% |
| Q2 2025 | $39.33 | -24% |
| Q1 2025 | $31.54 | -32% |
| Q4 2024 | $35.21 | -33% |
RNR's earnings per share have fallen from their peak: $34.47 over the past year, against $70.44 in late 2024.
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 RNR on earnings, with more consistent year-over-year improvement.
RNR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.7B | -47% |
| Q2 2026 | $2.8B | -14% |
| Q1 2026 | $2.2B | -37% |
| Q4 2025 | $3B | +30% |
| Q3 2025 | $3.2B | -20% |
| Q2 2025 | $3.2B | +13% |
| Q1 2025 | $3.5B | +34% |
| Q4 2024 | $2.3B | -29% |
RNR's revenue has slid since its 2024 peak: $1.7B last quarter, down 47% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -1.9% | -48 points |
| Q2 2026 | 40% | -1.4 points |
| Q1 2026 | 25% | +27 points |
| Q4 2025 | 43% | +46 points |
| Q3 2025 | 46% | +2.6 points |
| Q2 2025 | 42% | +17 points |
| Q1 2025 | -2% | -26 points |
| Q4 2024 | -3.6% | -48 points |
RNR's operating margin was −1.9% last quarter, down 48 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 RNR 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 RNR on profitability, with a higher operating margin.
RNR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $794.5M | -50% |
| Q2 2026 | $852.4M | -42% |
| Q1 2026 | $687.6M | +336% |
| Q4 2025 | $483M | -38% |
| Q3 2025 | $1.6B | +6.2% |
| Q2 2025 | $1.5B | +21% |
| Q1 2025 | $157.8M | -77% |
| Q4 2024 | $778.9M | +52% |
RNR 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.
RNR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3% | -1.3M shares |
| 1 year | -12% | -5.7M shares |
| 3 years | -20% | -10.1M shares |
| 5 years | -13% | -5.9M shares |
| Available history | -7.5% | -3.3M shares |
RNR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $310.1M |
| Q2 2026 | $350.5M |
| Q1 2026 | $352M |
| Q4 2025 | $660M |
| Q3 2025 | $208.3M |
| Q2 2025 | $373.6M |
| Q1 2025 | $357.7M |
| Q4 2024 | $451.6M |
RNR spent $1.7B buying back its own shares over the past year, up 20% 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 | — |
RNR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.4x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.1x | Very low |
RNR's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like RNR.
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 RNR on leverage, with a lower net debt burden relative to earnings.
RNR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.5 | Neutral |
| Stochastic | 66.9 | Neutral |
RNR's weekly RSI is 67 (neutral) and its Stochastic is 67 (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).
RNR PE vs Financial Services Sector
| Metric | RNR | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 62 | 63 | 1 pt below |
RNR 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.
RNR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $340.9 | 4% above |
| 20 week MA | $331.1 | 7.1% above |
| 50 week MA | $307.5 | 15% above |
| 100 week MA | $276.5 | 28% above |
| 200 week MA | $248.0 | 43% above |
RNR 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.
RNR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $195.7 | $161.4 | -18% |
| 2021 | $161.4 | $167.7 | +3.9% |
| 2022 | $167.7 | $186.9 | +11% |
| 2023 | $186.9 | $196.0 | +4.9% |
| 2024 | $196.0 | $250.6 | +28% |
| 2025 | $250.6 | $281.4 | +12% |
| 2026 YTD | $281.4 | $354.7 | +26% |
RNR 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.