RNST
Renasant Corporation
RNST has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over RNST overall, supported by stronger valuation and stronger modeled upside.
RNST Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RNST'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 RNST.
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.
RNST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $36.94 | -7.4% |
| Current | 11x | $39.91 | — |
| Forward | 11x | $39.91 | — |
| Fair | 12x | $43.25 | +8.4% |
| Expensive | 17x | $60.97 | +53% |
Historical ranges are pointers, not guarantees.
RNST's PE is in its cheap range at 11.3x. If earnings grow as analysts expect, today's price would be 10.7x next year's earnings.
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 RNST in the historical PE scenario, which offers more potential upside but is not a forecast.
RNST Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RNST, with profitability improving.
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.
RNST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.73 | +6.1% |
| Q3 2026 | $3.52 | +77% |
| Q2 2026 | $3.29 | +30% |
| Q1 2026 | $2.36 | -27% |
| Q4 2025 | $2.07 | -37% |
| Q3 2025 | $1.99 | -35% |
| Q2 2025 | $2.54 | -3.1% |
| Q1 2025 | $3.22 | +32% |
| Q4 2024 | $3.27 | +28% |
RNST earned $3.52 per share over the past year, up 77% from 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 RNST on earnings, with more consistent year-over-year improvement.
RNST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $273M | +1.3% |
| Q2 2026 | $273.9M | +2.5% |
| Q1 2026 | $273.8M | +60% |
| Q4 2025 | $278.5M | +67% |
| Q3 2025 | $269.5M | +22% |
| Q2 2025 | $267.2M | +63% |
| Q1 2025 | $170.7M | +3.6% |
| Q4 2024 | $167.1M | +14% |
RNST's revenue has grown year over year for 10 quarters in a row: $273M last quarter, up 1.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +8.5 points |
| Q2 2026 | 40% | +39 points |
| Q1 2026 | 40% | +9.9 points |
| Q4 2025 | 35% | +5 points |
| Q3 2025 | 28% | -16 points |
| Q2 2025 | 1% | -29 points |
| Q1 2025 | 30% | +0.5 points |
| Q4 2024 | 30% | +8 points |
RNST 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 RNST 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'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.
RNST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $161.9M | +35% |
| Q2 2026 | $76.4M | +$163.9M |
| Q1 2026 | $93.7M | -7.5% |
| Q4 2025 | $103.8M | +17% |
| Q3 2025 | $120.1M | +578% |
| Q2 2025 | -$87.5M | -$34.9M |
| Q1 2025 | $101.3M | +64% |
| Q4 2024 | $88.9M | -6.7% |
RNST 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.
RNST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -663K shares |
| 1 year | -3.9% | -3.7M shares |
| 3 years | +62% | +35M shares |
| 5 years | +62% | +35.1M shares |
| Available history | +57% | +33.3M shares |
RNST has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $43.1M |
| Q2 2026 | $60.5M |
| Q1 2026 | $75.8M |
| Q4 2022 | — |
| Q4 2021 | $1,000 |
| Q3 2021 | $21.3M |
| 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 | — |
RNST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | -1.8x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | -2.0x | Net Cash |
RNST's net debt is about 1.9 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like RNST.
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 RNST on leverage, with a lower net debt burden relative to earnings.
RNST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.3 | Neutral |
| Stochastic | 34.4 | Neutral |
RNST's weekly RSI is 47 (neutral) and its Stochastic is 34 (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).
RNST PE vs Financial Services Sector
| Metric | RNST | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 31 | 63 | 32 pts below |
RNST 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.
RNST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.0 | 0.2% below |
| 20 week MA | $41.4 | 3.6% below |
| 50 week MA | $39.7 | 0.4% above |
| 100 week MA | $37.7 | 6% above |
| 200 week MA | $34.3 | 16% above |
RNST 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.
RNST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.6 | $33.3 | -6.6% |
| 2021 | $33.3 | $37.6 | +13% |
| 2022 | $37.6 | $38.2 | +1.8% |
| 2023 | $38.2 | $33.7 | -12% |
| 2024 | $33.7 | $35.8 | +6.3% |
| 2025 | $35.8 | $36.2 | +1% |
| 2026 YTD | $36.2 | $39.9 | +10% |
RNST 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.