SLRC
SLR Investment Corp.
SLRC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SLRC overall, supported by stronger valuation and stronger fundamentals.
SLRC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| N/A | |
| N/A |
SLRC's revenue is currently healthy, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SLRC.
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.
SLRC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $9.12 | -21% |
| Forward | 8.9x | $11.61 | — |
| Fair | 10x | $10.85 | -6.5% |
| Current | 11x | $11.61 | — |
| Expensive | 19x | $20.31 | +75% |
Historical ranges are pointers, not guarantees.
SLRC's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 8.9x, 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 SLRC in the historical PE scenario, which offers more potential upside but is not a forecast.
SLRC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect SLRC's earnings and revenue to decline, with profitability weakening.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over SLRC on the outlook, with more favorable earnings and revenue expectations.
SLRC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.30 | +23% |
| Q3 2026 | $1.06 | -36% |
| Q2 2026 | $1.35 | -17% |
| Q1 2026 | $1.64 | +1.2% |
| Q4 2025 | $1.70 | -3.4% |
| Q3 2025 | $1.66 | -6.2% |
| Q2 2025 | $1.63 | -12% |
| Q1 2025 | $1.62 | -9% |
| Q4 2024 | $1.76 | +26% |
SLRC's earnings per share have fallen from their peak: $1.06 over the past year, against $2.66 in early 2021.
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 SLRC on earnings, with more consistent year-over-year improvement.
SLRC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2023 | $25M | +82% |
| Q4 2022 | $37.2M | +111% |
| Q3 2022 | $28.2M | +24% |
| Q1 2022 | $13.8M | -56% |
| Q4 2021 | $17.6M | -36% |
| Q3 2021 | $22.7M | -16% |
| Q2 2021 | $27.9M | -55% |
| Q4 2020 | $27.4M | +219% |
SLRC has the stronger quarterly revenue trend. Revenue is up 82% for SLRC versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2023 | 27% | +17 points |
| Q4 2022 | 51% | +16 points |
| Q3 2022 | 48% | -11 points |
| Q1 2022 | 11% | -58 points |
| Q4 2021 | 35% | -32 points |
| Q3 2021 | 59% | -10 points |
| Q2 2021 | 67% | -20 points |
| Q1 2021 | 69% | N/A |
SLRC's operating margin was 27% last quarter, down 7.4 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'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.
SLRC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $140.4M | +78% |
| Q2 2026 | $24.6M | +$229.5M |
| Q1 2026 | $67.2M | -1.4% |
| Q4 2025 | -$14.3M | -109% |
| Q3 2025 | $79M | -42% |
| Q2 2025 | -$204.9M | -7099% |
| Q1 2025 | $68.1M | +828% |
| Q4 2024 | $162.1M | +324% |
SLRC 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.
SLRC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | +29% | +12.3M shares |
| Available history | +29% | +12.3M shares |
SLRC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | $10,000 |
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 | — |
SLRC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2023 | 28.3x | High |
| Q4 2022 | 35.9x | High |
| Q3 2022 | 159.5x | High |
| Q2 2022 | 116.9x | High |
| Q1 2022 | 5.6x | High |
| Q4 2021 | 8.2x | High |
| Q3 2021 | 3.5x | Elevated |
| Q2 2021 | 2.6x | Moderate |
SLRC's net debt is more than 20 years of its operating earnings (EBITDA), up from 5.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SLRC.
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.
SLRC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.2 | Neutral |
| Stochastic | 32.6 | Neutral |
SLRC's weekly RSI is 37 (neutral) and its Stochastic is 33 (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).
SLRC PE vs Financial Services Sector
| Metric | SLRC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 63 | 63 | Same percentile |
SLRC 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.
SLRC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.5 | 0.7% above |
| 20 week MA | $12.2 | 4.8% below |
| 50 week MA | $13.6 | 15% below |
| 100 week MA | $14.9 | 22% below |
| 200 week MA | $15.0 | 23% below |
SLRC has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 23% 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 fallen below most of its moving averages, though it's still 16% above its 200-week average.
SLRC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $20.7 | $17.1 | -17% |
| 2021 | $17.1 | $18.2 | +6.4% |
| 2022 | $18.2 | $14.1 | -23% |
| 2023 | $14.1 | $15.0 | +6.9% |
| 2024 | $15.0 | $16.3 | +8.4% |
| 2025 | $16.3 | $15.4 | -5.3% |
| 2026 YTD | $15.4 | $11.6 | -25% |
SLRC 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.