SOFI
SoFi Technologies, Inc.
SOFI has the edge over WHG overall, supported by stronger valuation and stronger fundamentals.
WHG
Westwood Holdings Group, Inc.
WHG has lower modeled downside risk, despite its lower overall score.
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.
WHG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
WHG'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 WHG.
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 WHG in the historical PE scenario, which offers more potential upside but is not a forecast.
WHG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $11.25 | -40% |
| Fair | 23x | $18.30 | -1.8% |
| Current | 23x | $18.63 | — |
| Expensive | 50x | $40.71 | +119% |
Historical ranges are pointers, not guarantees.
WHG's PE is in its fair range at 23x.
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.
WHG Forward outlook
There aren't enough analyst estimates for WHG to show an outlook.
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 WHG on earnings, with more consistent year-over-year improvement.
WHG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.81 | +350% |
| Q2 2026 | $0.88 | +$1.10 |
| Q1 2026 | $0.83 | +$1.44 |
| Q4 2025 | $0.79 | +$1.18 |
| Q3 2025 | $0.18 | -44% |
| Q2 2025 | -$0.22 | -131% |
| Q1 2025 | -$0.61 | -145% |
| Q4 2024 | -$0.39 | -133% |
WHG's earnings per share have fallen from their peak: $0.81 over the past year, against $1.35 in early 2024.
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 WHG 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 WHG on profitability, with a higher operating margin.
WHG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.6M | +9.4% |
| Q2 2026 | $25.3M | +9.6% |
| Q1 2026 | $25M | +7.4% |
| Q4 2025 | $27.1M | +32% |
| Q3 2025 | $24.3M | +2.4% |
| Q2 2025 | $23.1M | +1.9% |
| Q1 2025 | $23.3M | +2.3% |
| Q4 2024 | $20.5M | -12% |
WHG's revenue has grown year over year for seven quarters in a row: $27M last quarter, up 9.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.2% | -3.1 points |
| Q2 2026 | 8.1% | +4.4 points |
| Q1 2026 | -6% | -5.7 points |
| Q4 2025 | 8% | -4.5 points |
| Q3 2025 | 8.3% | +10 points |
| Q2 2025 | 3.8% | +22 points |
| Q1 2025 | -0.3% | -13 points |
| Q4 2024 | 13% | +0.3 points |
WHG's operating margin was 5.2% last quarter, down 3.1 points from the same quarter a year ago.
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.
WHG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.9M | -30% |
| Q1 2026 | -$2.8M | +$2.1M |
| Q4 2025 | $8M | -9.7% |
| Q3 2025 | $8.5M | +1531% |
| Q1 2025 | -$4.9M | -160% |
| Q4 2024 | $8.8M | +98% |
| Q3 2024 | $519K | +$2.3M |
| Q1 2024 | $8.1M | +$11.4M |
WHG has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 | — |
WHG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +112K shares |
| 1 year | +2.8% | +251K shares |
| 3 years | +13% | +1.1M shares |
| 5 years | +16% | +1.2M shares |
| Available history | +8.6% | +729K shares |
WHG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $273,000 |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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.
WHG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.3x | Net Cash |
| Q2 2026 | -2.7x | Net Cash |
| Q1 2024 | -2.0x | Net Cash |
| Q4 2023 | -1.9x | Net Cash |
| Q3 2023 | -4.5x | Net Cash |
| Q2 2022 | -3.3x | Net Cash |
| Q1 2022 | -2.7x | Net Cash |
| Q4 2021 | -1.8x | Net Cash |
WHG has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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).
WHG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.4 | Neutral |
| Stochastic | 27.1 | Neutral |
WHG's weekly RSI is 50 (neutral) and its Stochastic is 27 (neutral).
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.
WHG PE vs Financial Services Sector
| Metric | WHG | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 77% above |
| PE % | 51 | 63 | 12 pts below |
WHG has the edge over SOFI on valuation relative to its sector.
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.
WHG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.9 | 1.4% below |
| 20 week MA | $19.2 | 3% below |
| 50 week MA | $17.9 | 4% above |
| 100 week MA | $17.1 | 9.3% above |
| 200 week MA | $14.7 | 27% above |
WHG has the edge over SOFI on trend strength, trading above more of its moving averages.
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.
WHG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.6 | $13.4 | -55% |
| 2021 | $13.4 | $16.8 | +26% |
| 2022 | $16.8 | $10.5 | -38% |
| 2023 | $10.5 | $12.6 | +20% |
| 2024 | $12.6 | $14.1 | +12% |
| 2025 | $14.1 | $17.8 | +26% |
| 2026 YTD | $17.8 | $18.6 | +4.7% |
WHG has the edge over SOFI on returns for 2026, with the stronger performance.