SLF
Sun Life Financial Inc.
SLF has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SLF overall, supported by stronger modeled upside and stronger valuation.
SLF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SLF'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 SLF.
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.
SLF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $44.53 | -39% |
| Fair | 14x | $57.21 | -22% |
| Expensive | 16x | $66.78 | -8.4% |
| Current | 18x | $72.88 | — |
Historical ranges are pointers, not guarantees.
SLF's PE is 18x, but its earnings don't support one, so it isn't a reliable read right now.
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 SLF in the historical PE scenario, which offers more potential upside but is not a forecast.
SLF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SLF, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over SLF on the outlook, with more favorable profitability expectations.
SLF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $4.14 | +4.8% |
| Q1 2026 | $3.75 | -2.6% |
| Q4 2025 | $4.32 | +17% |
| Q3 2025 | $3.70 | -14% |
| Q2 2025 | $3.95 | +6.8% |
| Q1 2025 | $3.85 | +3.8% |
| Q4 2024 | $3.68 | -0.3% |
| Q3 2024 | $4.30 | +9.4% |
SLF earned $4.14 per share over the past year, up 4.8% from 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 earned $0.56 per share over the past year, about the same as the year before.
SLF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $9.8B | +51% |
| Q1 2026 | $6.2B | -22% |
| Q4 2025 | $6.3B | +172% |
| Q3 2025 | $8.7B | -19% |
| Q2 2025 | $6.5B | +3.4% |
| Q1 2025 | $8B | +63% |
| Q4 2024 | $2.3B | -81% |
| Q3 2024 | $10.8B | +548% |
SLF's revenue is recovering but still below its 2023 peak: $9.8B last quarter, up 51% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 9.8% | -0.9 points |
| Q1 2026 | 9.5% | -1.5 points |
| Q4 2025 | 13% | -5.4 points |
| Q3 2025 | 12% | +1 points |
| Q2 2025 | 11% | +0.4 points |
| Q1 2025 | 11% | -6.2 points |
| Q4 2024 | 18% | +14 points |
| Q3 2024 | 11% | -39 points |
SLF's operating margin was 9.8% last quarter, down 0.9 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 SLF 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 SLF on profitability, with a higher operating margin.
SLF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $63.3M | -88% |
| Q1 2026 | $2.9B | +$3.2B |
| Q4 2025 | $3.7B | +823% |
| Q3 2025 | $804.3M | -64% |
| Q2 2025 | $539.9M | -54% |
| Q1 2025 | -$290.4M | -187% |
| Q4 2024 | $402.1M | -87% |
| Q3 2024 | $2.3B | +81% |
SLF 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.
SLF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.4% | -13.6M shares |
| 1 year | -1.8% | -10M shares |
| 3 years | -5.3% | -31M shares |
| 5 years | -5.3% | -31M shares |
| Available history | -6.1% | -36M shares |
SLF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $58.4M |
| Q1 2026 | — |
| Q4 2025 | $275.4M |
| Q3 2025 | $279.1M |
| Q2 2025 | $279.8M |
| Q1 2025 | $365.6M |
| Q4 2024 | $175.1M |
| Q3 2024 | $102.6M |
SLF spent $613M buying back its own shares over the past year, down 34% from the year before.
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 | — |
SLF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 1.7x | Healthy |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | 1.4x | Healthy |
| Q3 2024 | -0.8x | Net Cash |
SLF's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like SLF.
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 SLF on leverage, with a lower net debt burden relative to earnings.
SLF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.0 | Neutral |
| Stochastic | 26.3 | Neutral |
SLF's weekly RSI is 43 (neutral) and its Stochastic is 26 (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).
SLF PE vs Financial Services Sector
| Metric | SLF | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 35% above |
| PE % | 93 | 63 | 30 pts above |
SLF 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.
SLF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $77.4 | 5.8% below |
| 20 week MA | $79.4 | 8.2% below |
| 50 week MA | $72.0 | 1.2% above |
| 100 week MA | $65.8 | 11% above |
| 200 week MA | $58.6 | 24% above |
SLF 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.
SLF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $45.5 | $43.8 | -3.8% |
| 2021 | $43.8 | $54.6 | +25% |
| 2022 | $54.6 | $46.5 | -15% |
| 2023 | $46.5 | $51.9 | +12% |
| 2024 | $51.9 | $59.5 | +15% |
| 2025 | $59.5 | $62.6 | +5.3% |
| 2026 YTD | $62.6 | $72.9 | +16% |
SLF 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.