SNFCA
Security National Financial Corporation
SNFCA has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SNFCA overall, supported by stronger modeled upside and stronger valuation.
SNFCA Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
SNFCA's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SNFCA.
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.
SNFCA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $6.30 | -30% |
| Current | 6.8x | $8.97 | — |
| Fair | 7.5x | $9.86 | +9.9% |
| Expensive | 11x | $15.03 | +68% |
Historical ranges are pointers, not guarantees.
SNFCA's PE is in its fair range at 6.8x.
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 SNFCA in the historical PE scenario, which offers more potential upside but is not a forecast.
SNFCA Forward outlook
There aren't enough analyst estimates for SNFCA to show an outlook.
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.
SNFCA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.31 | +90% |
| Q2 2026 | $1.38 | +64% |
| Q1 2026 | $1.29 | +48% |
| Q4 2025 | $1.19 | +20% |
| Q3 2025 | $0.69 | -38% |
| Q2 2025 | $0.84 | +2.4% |
| Q1 2025 | $0.87 | +10% |
| Q4 2024 | $0.99 | +80% |
SNFCA 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.
SNFCA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | -11% |
| Q2 2026 | $83.9M | -6.3% |
| Q1 2026 | $79.7M | -3.6% |
| Q4 2025 | $83M | +4.7% |
| Q3 2025 | $89.3M | +1.2% |
| Q2 2025 | $89.5M | +4.4% |
| Q1 2025 | $82.7M | +1.9% |
| Q4 2024 | $79.3M | +5.8% |
SNFCA's revenue has slid since its 2020 peak: $80M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | -1.1 points |
| Q2 2026 | 14% | +4.6 points |
| Q1 2026 | 11% | +4.6 points |
| Q4 2025 | 21% | +21 points |
| Q3 2025 | 11% | -5.9 points |
| Q2 2025 | 9.3% | -1.6 points |
| Q1 2025 | 6.7% | -5.1 points |
| Q4 2024 | -0.1% | -2 points |
SNFCA's operating margin was 10% last quarter, down 1.1 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 SNFCA 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 SNFCA on profitability, with a higher operating margin.
SNFCA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.2M | +125% |
| Q2 2026 | $3.7M | +$11.8M |
| Q1 2026 | $32.8M | +258% |
| Q4 2025 | $17.9M | -13% |
| Q3 2025 | $24.9M | -6.4% |
| Q2 2025 | -$8.1M | +$9M |
| Q1 2025 | $9.1M | -63% |
| Q4 2024 | $20.5M | -42% |
SNFCA 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.
SNFCA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +20.7K shares |
| 1 year | +0.9% | +242K shares |
| 3 years | +1.8% | +483K shares |
| 5 years | +0.5% | +136K shares |
| Available history | +7.5% | +1.9M shares |
SNFCA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6,031 |
| Q2 2026 | $551,005 |
| Q1 2026 | $785,521 |
| Q4 2025 | $5,436 |
| Q3 2025 | $400,929 |
| Q2 2025 | $961,419 |
| Q1 2025 | $242,265 |
| Q4 2024 | $1.4M |
SNFCA spent $1M buying back its own shares over the past year, down 55% 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 | — |
SNFCA Net Leverage
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.
SNFCA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.4 | Neutral |
| Stochastic | 53.5 | Neutral |
SNFCA's weekly RSI is 46 (neutral) and its Stochastic is 54 (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).
SNFCA PE vs Financial Services Sector
| Metric | SNFCA | Sector median | Relative |
|---|---|---|---|
| PE | 6.8x | 13x | 48% below |
| PE % | 41 | 63 | 22 pts below |
SNFCA 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.
SNFCA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.12 | 1.6% below |
| 20 week MA | $9.21 | 2.6% below |
| 50 week MA | $9.08 | 1.2% below |
| 100 week MA | $9.32 | 3.8% below |
| 200 week MA | $8.38 | 7% above |
SNFCA has fallen below most of its moving averages, though it's still 7% 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.
SNFCA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.31 | $6.47 | +50% |
| 2021 | $6.47 | $7.48 | +16% |
| 2022 | $7.48 | $5.77 | -23% |
| 2023 | $5.77 | $8.16 | +41% |
| 2024 | $8.16 | $11.5 | +41% |
| 2025 | $11.5 | $8.67 | -25% |
| 2026 YTD | $8.67 | $8.97 | +3.5% |
SNFCA 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.