ROOT
Root, Inc.
ROOT trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ROOT overall, supported by lower modeled downside and stronger modeled upside.
ROOT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ROOT's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ROOT.
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.
ROOT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 9.1x | $43.63 | — |
| Cheap | 15x | $73.79 | +69% |
| Fair | 19x | $89.09 | +104% |
| Forward | 19x | $43.63 | — |
| Expensive | 40x | $189 | +334% |
Historical ranges are pointers, not guarantees.
ROOT has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
ROOT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Growth | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect ROOT's earnings to grow, with its revenue and profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ROOT on the outlook, with more favorable valuation and revenue expectations.
ROOT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.33 | -51% |
| Q3 2026 | $4.79 | +40% |
| Q2 2026 | $3.58 | -30% |
| Q1 2026 | $3.38 | +1.8% |
| Q4 2025 | $2.36 | +29% |
| Q3 2025 | $3.43 | +$4.67 |
| Q2 2025 | $5.13 | +$10.88 |
| Q1 2025 | $3.32 | +$11.10 |
| Q4 2024 | $1.83 | +$12.07 |
ROOT 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.
ROOT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $381.3M | -1.7% |
| Q2 2026 | $389.2M | +1.6% |
| Q1 2026 | $393.5M | +13% |
| Q4 2025 | $397M | +22% |
| Q3 2025 | $387.8M | +27% |
| Q2 2025 | $382.9M | +32% |
| Q1 2025 | $349.4M | +37% |
| Q4 2024 | $326.7M | +68% |
ROOT's revenue is growing: $381M last quarter, down 1.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 4.8% | +4.7 points |
| Q2 2026 | 8.9% | +1.8 points |
| Q1 2026 | 10% | +3.6 points |
| Q4 2025 | 2.6% | -8 points |
| Q3 2025 | 0.1% | -11 points |
| Q2 2025 | 7.1% | +5.8 points |
| Q1 2025 | 6.8% | +4.7 points |
| Q4 2024 | 11% | +17 points |
ROOT's operating margin was 4.8% last quarter, up 4.7 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 ROOT 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 ROOT on profitability, with a higher operating margin.
ROOT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $57.5M | +11% |
| Q1 2026 | $9.3M | -65% |
| Q4 2025 | $70.1M | +1.3% |
| Q3 2025 | $57.6M | +17% |
| Q2 2025 | $52M | -17% |
| Q1 2025 | $26.8M | +87% |
| Q4 2024 | $69.2M | +50% |
| Q3 2024 | $49.4M | +238% |
ROOT 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.
ROOT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -200K shares |
| 1 year | +9.1% | +1.4M shares |
| 3 years | +16% | +2.3M shares |
| 5 years | +21% | +2.9M shares |
| Available history | +48% | +5.4M shares |
ROOT has 17M diluted shares, up 9.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.5M |
| Q4 2021 | — |
| Q3 2021 | — |
| Q4 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
| Q4 2019 | — |
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 the edge over ROOT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ROOT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -4.3x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -4.6x | Net Cash |
| Q2 2025 | -3.3x | Net Cash |
| Q1 2025 | -3.7x | Net Cash |
| Q4 2024 | -4.3x | Net Cash |
ROOT has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
ROOT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.0 | Neutral |
| Stochastic | 17.5 | Oversold |
ROOT's weekly RSI is 37 (neutral) and its Stochastic is 17 (oversold).
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).
ROOT PE vs Financial Services Sector
| Metric | ROOT | Sector median | Relative |
|---|---|---|---|
| PE | 9.1x | 13x | 30% below |
| PE % | 1 | 61 | 60 pts below |
ROOT 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.
ROOT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.1 | 9.3% below |
| 20 week MA | $52.9 | 18% below |
| 50 week MA | $56.4 | 23% below |
| 100 week MA | $82.9 | 47% below |
| 200 week MA | $56.1 | 22% below |
ROOT is in a downtrend: it's below all five of its weekly moving averages, and 22% 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 ROOT on trend strength, trading above more of its moving averages.
ROOT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $431.5 | $309.1 | -28% |
| 2021 | $309.1 | $58.3 | -81% |
| 2022 | $58.3 | $4.64 | -92% |
| 2023 | $4.64 | $10.5 | +126% |
| 2024 | $10.5 | $73.0 | +597% |
| 2025 | $73.0 | $73.2 | +0.3% |
| 2026 YTD | $73.2 | $43.6 | -40% |
ROOT 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.