SKWD
Skyward Specialty Insurance Group, Inc.
SKWD has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SKWD overall, supported by stronger modeled upside and stronger valuation.
SKWD Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SKWD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SKWD.
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.
SKWD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $62.67 | — |
| Cheap | 13x | $56.39 | -10% |
| Fair | 15x | $63.66 | +1.6% |
| Current | 15x | $62.67 | — |
| Expensive | 18x | $78.45 | +25% |
Historical ranges are pointers, not guarantees.
SKWD's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.
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 SKWD in the historical PE scenario, which offers more potential upside but is not a forecast.
SKWD Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for SKWD, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over SKWD on the outlook, with more favorable profitability expectations.
SKWD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.32 | +24% |
| Q3 2026 | $4.28 | +27% |
| Q2 2026 | $4.29 | +36% |
| Q1 2026 | $4.15 | +39% |
| Q4 2025 | $4.07 | +42% |
| Q3 2025 | $3.37 | +2.7% |
| Q2 2025 | $3.16 | +6.8% |
| Q1 2025 | $2.98 | +9.6% |
| Q4 2024 | $2.87 | +28% |
SKWD 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.
SKWD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $455.3M | +19% |
| Q2 2026 | $489.5M | +53% |
| Q1 2026 | $475.9M | +45% |
| Q4 2025 | $385.6M | +27% |
| Q3 2025 | $382.5M | +27% |
| Q2 2025 | $319.9M | +14% |
| Q1 2025 | $328.5M | +24% |
| Q4 2024 | $304.4M | +24% |
SKWD's revenue has grown year over year every quarter since early 2021: $455M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | -1.8 points |
| Q2 2026 | 13% | -2.6 points |
| Q1 2026 | 13% | -2.6 points |
| Q4 2025 | 14% | +8.1 points |
| Q3 2025 | 16% | +0.3 points |
| Q2 2025 | 16% | +1.2 points |
| Q1 2025 | 16% | -2.1 points |
| Q4 2024 | 6.1% | -9.2 points |
SKWD's operating margin was 14% last quarter, down 1.8 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 SKWD 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 has the edge over SKWD on profitability, with a higher operating margin.
SKWD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $50.1M | +140% |
| Q3 2025 | $168.9M | +0.8% |
| Q2 2025 | $87.1M | +372% |
| Q1 2025 | $96.6M | +2.7% |
| Q3 2024 | $167.6M | +52% |
| Q2 2024 | $18.4M | +2589% |
| Q1 2024 | $94M | -12% |
| Q3 2023 | $110.1M | +82% |
SKWD has the stronger cash trend. Its trailing FCF is up 76% versus its history, compared with SOFI at down 107%.
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.
SKWD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +107K shares |
| 1 year | +9.4% | +3.9M shares |
| 3 years | +19% | +7.4M shares |
| 5 years | +26% | +9.5M shares |
| Available history | +22% | +8.2M shares |
SKWD has 46M diluted shares, up 9.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $125,000 |
| Q2 2026 | $10.8M |
| Q1 2026 | $8.7M |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 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 the edge over SKWD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SKWD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2022 | 1.4x | Healthy |
| Q3 2022 | 3.0x | Elevated |
| Q2 2022 | 0.7x | Very low |
| Q1 2022 | 0.6x | Very low |
| Q4 2021 | 1.6x | Healthy |
| Q3 2021 | 0.7x | Very low |
SKWD's net debt is about 1.4 years of its operating earnings (EBITDA), down from 1.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SKWD.
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.
SKWD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 64.5 | Neutral |
SKWD's weekly RSI is 63 (neutral) and its Stochastic is 64 (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).
SKWD PE vs Financial Services Sector
| Metric | SKWD | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 43 | 53 | 10 pts below |
SKWD 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.
SKWD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $59.0 | 6.3% above |
| 20 week MA | $59.1 | 6.1% above |
| 50 week MA | $51.8 | 21% above |
| 100 week MA | $51.4 | 22% above |
| 200 week MA | $41.7 | 50% above |
SKWD 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.
SKWD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $19.1 | $33.9 | +77% |
| 2024 | $33.9 | $50.8 | +50% |
| 2025 | $50.8 | $51.9 | +2.1% |
| 2026 YTD | $51.9 | $62.7 | +21% |
SKWD 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.