SAR
Saratoga Investment Corp.
There isn't enough reported data to score SAR yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
SAR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Stable | |
| N/A | |
| N/A |
SAR's profitability is currently stable, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like SAR.
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.
SAR PE Valuation
SAR has no meaningful PE right now: it lost money over the past year.
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.
SAR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Decline | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect SAR's revenue to grow, but its earnings and profitability 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 SAR on the outlook, with more favorable earnings and profitability expectations.
SAR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.02 | — |
| Q3 2026 | -$0.27 | -112% |
| Q2 2026 | $0.98 | -60% |
| Q1 2026 | $2.31 | +14% |
| Q4 2025 | $2.42 | -2.4% |
| Q3 2025 | $2.32 | +52% |
| Q2 2025 | $2.45 | +102% |
| Q1 2025 | $2.02 | +185% |
| Q4 2022 | $1.17 | -72% |
SAR has swung to a loss: it lost $0.27 per share over the past year, after a profit 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 SAR on earnings quality, reporting a profit while its opponent remains loss making.
SAR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2022 | $11.8M | -35% |
| Q2 2022 | $7.6M | -72% |
| Q1 2022 | $16.6M | +0.8% |
| Q4 2021 | $15M | -4% |
| Q3 2021 | $18.3M | -31% |
| Q1 2021 | $16.5M | -50% |
SOFI has the stronger quarterly revenue trend. Revenue is down 35% for SAR versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2022 | 9.1% | -44 points |
| Q2 2022 | -17% | -94 points |
| Q1 2022 | 55% | -8 points |
| Q4 2021 | 55% | -12 points |
| Q3 2021 | 53% | -29 points |
| Q2 2021 | 77% | N/A |
| Q1 2021 | 63% | N/A |
| Q4 2020 | 67% | -15 points |
SAR's operating margin was 9.1% last quarter, down 44 points from the same quarter a year ago, near the bottom of its range since 2020.
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
SAR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$27.8M | -$8.5M |
| Q2 2026 | -$26M | -180% |
| Q1 2026 | -$92.4M | -$72.5M |
| Q4 2025 | -$8.6M | -109% |
| Q3 2025 | -$19.3M | -127% |
| Q2 2025 | $32.3M | -38% |
| Q1 2025 | -$19.9M | +$741.4K |
| Q4 2024 | $94.2M | +$112.7M |
SAR has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
SAR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -97.3K shares |
| 1 year | +2.4% | +380K shares |
| 3 years | +33% | +4M shares |
| 5 years | +45% | +5M shares |
| Available history | +44% | +5M shares |
SAR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $2.2M |
| Q1 2023 | $1.2M |
| Q4 2022 | $2.2M |
| Q3 2022 | $3.7M |
| Q2 2022 | $3.7M |
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 | — |
SAR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 35.8x | High |
| Q2 2022 | 20.9x | High |
| Q1 2022 | 9.3x | High |
| Q4 2021 | 6.6x | High |
| Q3 2021 | 6.6x | High |
| Q2 2021 | 5.8x | High |
| Q1 2020 | 3.2x | Elevated |
SAR's net debt is more than 20 years of its operating earnings (EBITDA), up from 6.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SAR.
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.
SAR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 19.3 | Oversold |
| Stochastic | 3.6 | Oversold |
SAR's weekly RSI is 19 (oversold) and its Stochastic is 4 (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).
SAR PE vs Financial Services Sector
| Metric | SAR | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 29% above |
| PE % | 77 | 63 | 14 pts above |
SAR 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.
SAR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.5 | 19% below |
| 20 week MA | $17.1 | 32% below |
| 50 week MA | $20.5 | 43% below |
| 100 week MA | $22.4 | 48% below |
| 200 week MA | $23.5 | 50% below |
SAR is in a downtrend: it's below all five of its weekly moving averages, and 50% 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 SAR on trend strength, trading above more of its moving averages.
SAR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.0 | $20.7 | -17% |
| 2021 | $20.7 | $29.3 | +42% |
| 2022 | $29.3 | $25.6 | -13% |
| 2023 | $25.6 | $25.9 | +1.1% |
| 2024 | $25.9 | $23.8 | -8.1% |
| 2025 | $23.8 | $23.2 | -2.5% |
| 2026 YTD | $23.2 | $11.7 | -50% |
SAR has finished lower in four of the last six years. It's down 50% so far in 2026.
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 has the edge over SAR on returns for 2026, with the stronger performance.