SCHW
The Charles Schwab Corporation
SCHW has the edge over SOFI overall, supported by lower modeled downside and stronger valuation.
SOFI
SoFi Technologies, Inc.
SOFI's outlook is improving, though it still trails on the overall score.
SCHW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
SCHW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SCHW.
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.
SCHW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $91.72 | — |
| Cheap | 16x | $95.94 | +4.6% |
| Current | 16x | $91.72 | — |
| Fair | 24x | $140 | +52% |
| Expensive | 30x | $178 | +94% |
Historical ranges are pointers, not guarantees.
SCHW's PE is in its cheap range at 16x. If earnings grow as analysts expect, today's price would be 12x 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 SCHW in the historical PE scenario, which offers more potential upside but is not a forecast.
SCHW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| High |
Analysts expect earnings and revenue growth for SCHW, 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.
SCHW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.48 | +28% |
| Q3 2026 | $5.85 | +37% |
| Q2 2026 | $5.49 | +48% |
| Q1 2026 | $5.03 | +52% |
| Q4 2025 | $4.65 | +56% |
| Q3 2025 | $4.27 | +67% |
| Q2 2025 | $3.72 | +54% |
| Q1 2025 | $3.30 | +38% |
| Q4 2024 | $2.99 | +18% |
SCHW 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.
SCHW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.2B | +17% |
| Q2 2026 | $7.1B | +21% |
| Q1 2026 | $6.5B | +16% |
| Q4 2025 | $6.3B | +19% |
| Q3 2025 | $6.1B | +27% |
| Q2 2025 | $5.9B | +25% |
| Q1 2025 | $5.6B | +18% |
| Q4 2024 | $5.3B | +20% |
SCHW's revenue has grown year over year for 10 quarters in a row: $7.2B last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 53% | +3.4 points |
| Q2 2026 | 52% | +4 points |
| Q1 2026 | 49% | +5.3 points |
| Q4 2025 | 50% | +6.9 points |
| Q3 2025 | 49% | +11 points |
| Q2 2025 | 48% | +11 points |
| Q1 2025 | 44% | +5.9 points |
| Q4 2024 | 43% | +17 points |
SCHW 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 SCHW 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.
SCHW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.3B | +231% |
| Q2 2026 | $4.1B | +35% |
| Q1 2026 | $7.2B | +15% |
| Q4 2025 | -$921M | +$10.2B |
| Q3 2025 | $393M | -98% |
| Q2 2025 | $3B | +$7.4B |
| Q1 2025 | $6.2B | +$7.7B |
| Q4 2024 | -$11.1B | -155% |
SCHW 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.
SCHW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -6M shares |
| 1 year | -4.3% | -78M shares |
| 3 years | -5.1% | -94M shares |
| 5 years | -8.7% | -165M shares |
| Available history | +34% | +440M shares |
SCHW has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $500M |
| Q2 2026 | $999M |
| Q1 2026 | $2.4B |
| Q1 2025 | $1.5B |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
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 | — |
SCHW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2020 | -5.4x | Net Cash |
| Q1 2020 | -12.0x | Net Cash |
| Q4 2019 | -4.2x | Net Cash |
SCHW has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SCHW.
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.
SCHW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.9 | Neutral |
| Stochastic | 11.2 | Oversold |
SCHW's weekly RSI is 41 (neutral) and its Stochastic is 11 (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).
SCHW PE vs Financial Services Sector
| Metric | SCHW | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 20% above |
| PE % | 14 | 63 | 49 pts below |
SCHW 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.
SCHW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $93.3 | 1.7% below |
| 20 week MA | $100.9 | 9.1% below |
| 50 week MA | $97.3 | 5.7% below |
| 100 week MA | $92.0 | 0.3% below |
| 200 week MA | $78.5 | 17% above |
SCHW has fallen below most of its moving averages, though it's still 17% above 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 fallen below most of its moving averages, though it's still 16% above its 200-week average.
SCHW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.3 | $52.1 | +7.7% |
| 2021 | $52.1 | $85.1 | +64% |
| 2022 | $85.1 | $81.8 | -3.9% |
| 2023 | $81.8 | $68.8 | -16% |
| 2024 | $68.8 | $74.7 | +8.6% |
| 2025 | $74.7 | $101.9 | +36% |
| 2026 YTD | $101.9 | $91.7 | -10% |
SCHW 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.