SLDE
Slide Insurance Holdings, Inc. Common Stock
SLDE offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SLDE overall, supported by stronger modeled upside and stronger valuation.
SLDE Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SLDE's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SLDE.
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.
SLDE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $22.84 | -12% |
| Fair | 5.9x | $25.98 | +0.1% |
| Current | 5.9x | $25.96 | — |
| Expensive | 6.5x | $28.68 | +10% |
| Forward | 7.7x | $25.96 | — |
Historical ranges are pointers, not guarantees.
SLDE's PE is in its fair range at 5.9x. On analysts' estimates for next year's earnings, today's price would be 7.7x, in its expensive 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 SLDE in the historical PE scenario, which offers more potential upside but is not a forecast.
SLDE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| Low |
Analysts expect SLDE's profitability to weaken, with its earnings and revenue holding steady. 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 SLDE on the outlook, with more favorable valuation and earnings expectations.
SLDE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.38 | -23% |
| Q3 2026 | $4.39 | +63% |
| Q2 2026 | $4.09 | +100% |
| Q1 2026 | $3.59 | +88% |
| Q4 2025 | $3.31 | +106% |
| Q3 2025 | $2.69 | +112% |
| Q2 2025 | $2.04 | +70% |
SLDE 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.
SLDE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $361.1M | +36% |
| Q2 2026 | $386.8M | +48% |
| Q1 2026 | $389.3M | +38% |
| Q4 2025 | $347M | +46% |
| Q3 2025 | $265.7M | +33% |
| Q2 2025 | $261.6M | +25% |
| Q1 2025 | $281.6M | +41% |
| Q4 2024 | $238.5M | +55% |
SLDE's revenue has grown year over year every quarter since early 2024: $361M last quarter, up 36% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | -11 points |
| Q2 2026 | 46% | +9.3 points |
| Q1 2026 | 48% | +3.7 points |
| Q4 2025 | 64% | +22 points |
| Q3 2025 | 55% | +43 points |
| Q2 2025 | 37% | +2.7 points |
| Q1 2025 | 44% | +7.2 points |
| Q4 2024 | 42% | +13 points |
SLDE 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 SLDE 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.
SLDE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$49.3M | -302% |
| Q1 2026 | $288.8M | +200% |
| Q4 2025 | $421.2M | +167% |
| Q3 2025 | $24.5M | -79% |
| Q1 2025 | $96.2M | -49% |
| Q4 2024 | $157.7M | +2.7% |
| Q3 2024 | $114.7M | +438% |
| Q2 2024 | $83.8M | -35% |
SLDE 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.
SLDE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -183K shares |
| 1 year | -9.3% | -13M shares |
| 3 years | -36% | -72.9M shares |
SLDE has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $53.8M |
| Q1 2026 | $137.1M |
| Q4 2025 | $20M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
SLDE spent $211M buying back its own shares over the past year.
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 | — |
SLDE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.6x | Net Cash |
SLDE has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SLDE.
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 SLDE on leverage, with a lower net debt burden relative to earnings.
SLDE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.2 | Neutral |
| Stochastic | 71.2 | Neutral |
SLDE's weekly RSI is 61 (neutral) and its Stochastic is 71 (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).
SLDE PE vs Financial Services Sector
| Metric | SLDE | Sector median | Relative |
|---|---|---|---|
| PE | 5.9x | 13x | 55% below |
| PE % | 50 | 11 | 39 pts above |
SLDE 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.
SLDE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.9 | 0.3% above |
| 20 week MA | $23.7 | 9.5% above |
| 50 week MA | $20.2 | 29% above |
SLDE has stronger trend alignment. SLDE is above 3 of 3 weekly averages versus SOFI above 1 of 5.
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.
SLDE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $23.3 | $19.2 | -18% |
| 2026 YTD | $19.2 | $26.0 | +35% |
SLDE 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.