SOFI
SoFi Technologies, Inc.
SOFI has the edge over WRB overall, supported by stronger modeled upside and stronger valuation.
WRB
W. R. Berkley Corporation
WRB 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.
WRB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
WRB'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 WRB.
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 WRB in the historical PE scenario, which offers more potential upside but is not a forecast.
WRB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $66.55 | -14% |
| Fair | 15x | $72.25 | -6.4% |
| Current | 16x | $77.15 | — |
| Forward | 16x | $77.15 | — |
| Expensive | 20x | $94.93 | +23% |
Historical ranges are pointers, not guarantees.
WRB's PE is in its expensive range at 16.3x. On analysts' estimates for next year's earnings, today's price would be 16.2x, in its fair range.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over WRB on the outlook, with more favorable valuation and profitability expectations.
WRB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WRB, but weaker profitability.
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 |
WRB has the stronger earnings trend. Trailing diluted EPS is flat for SOFI versus WRB up 21%.
WRB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.77 | +0.9% |
| Q3 2024 | $3.90 | +18% |
| Q2 2024 | $3.81 | +26% |
| Q1 2024 | $3.75 | +45% |
| Q4 2023 | $3.37 | +2.4% |
| Q3 2023 | $3.30 | +6.8% |
| Q2 2023 | $3.03 | -4.1% |
| Q1 2023 | $2.59 | -22% |
| Q4 2022 | $3.29 | +35% |
WRB's earnings per share have climbed steadily: $4.73 over the past year, up 21% from the year before, and higher year over year for nine quarters in a row.
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 WRB 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 WRB on profitability, with a higher operating margin.
WRB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.7B | -0.8% |
| Q2 2026 | $3.7B | +1.2% |
| Q1 2026 | $3.7B | +4% |
| Q4 2025 | $3.7B | +1.5% |
| Q3 2025 | $3.8B | +11% |
| Q2 2025 | $3.7B | +11% |
| Q1 2025 | $3.5B | +8.9% |
| Q4 2024 | $3.7B | +14% |
WRB's revenue has held roughly level: $3.7B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -1.8 points |
| Q2 2026 | 15% | +1.3 points |
| Q1 2026 | 17% | +1.5 points |
| Q4 2025 | 15% | -4.5 points |
| Q3 2025 | 17% | +3.3 points |
| Q2 2025 | 14% | -0.5 points |
| Q1 2025 | 15% | -2.4 points |
| Q4 2024 | 20% | +4.3 points |
WRB's operating margin was 15% last quarter, down 1.8 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.
WRB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $731.3M | -36% |
| Q2 2026 | $800M | +14% |
| Q1 2026 | $667.9M | -10% |
| Q4 2025 | $995.1M | +23% |
| Q3 2025 | $1.1B | -8.1% |
| Q2 2025 | $703.8M | -20% |
| Q1 2025 | $743.8M | -0.3% |
| Q4 2024 | $810M | +16% |
WRB 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 | — |
WRB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -467K shares |
| 1 year | -2.2% | -8.9M shares |
| 3 years | -5.9% | -24.7M shares |
| 5 years | -7.4% | -31.4M shares |
WRB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $21.1M |
| Q2 2026 | $111.5M |
| Q1 2026 | $302.4M |
| Q4 2025 | $196.4M |
| Q3 2025 | $24.6M |
| Q2 2025 | — |
| Q1 2025 | $49.2M |
| Q4 2024 | $67.4M |
WRB spent $631M buying back its own shares over the past year, about four times what it spent the year before.
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 WRB on leverage, with a lower net debt burden relative to earnings.
WRB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -0.8x | Net Cash |
WRB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like WRB.
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).
WRB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.4 | Neutral |
| Stochastic | 73.6 | Neutral |
WRB's weekly RSI is 63 (neutral) and its Stochastic is 74 (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.
WRB PE vs Financial Services Sector
| Metric | WRB | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 25% above |
| PE % | 66 | 63 | 3 pts above |
WRB 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.
WRB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $72.8 | 5.9% above |
| 20 week MA | $71.7 | 7.5% above |
| 50 week MA | $69.5 | 11% above |
| 100 week MA | $69.3 | 11% above |
| 200 week MA | $59.3 | 30% above |
WRB 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.
WRB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.5 | $29.4 | -3.6% |
| 2021 | $29.4 | $35.6 | +21% |
| 2022 | $35.6 | $49.0 | +37% |
| 2023 | $49.0 | $47.2 | -3.7% |
| 2024 | $47.2 | $59.0 | +25% |
| 2025 | $59.0 | $70.6 | +20% |
| 2026 YTD | $70.6 | $77.2 | +9.3% |
WRB has the edge over SOFI on returns for 2026, with the stronger performance.