SOFI
SoFi Technologies, Inc.
SOFI has the edge over WTM overall, supported by stronger modeled upside and stronger valuation.
WTM
White Mountains Insurance Group, Ltd.
WTM 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.
WTM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
WTM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WTM.
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 WTM in the historical PE scenario, which offers more potential upside but is not a forecast.
WTM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $1,792 | -20% |
| Current | 6x | $2,247 | — |
| Fair | 8.2x | $3,092 | +38% |
| Expensive | 24x | $9,021 | +302% |
Historical ranges are pointers, not guarantees.
WTM's PE is in its fair range at 6.0x.
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.
WTM Forward outlook
There aren't enough analyst estimates for WTM 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 WTM on earnings, with more consistent year-over-year improvement.
WTM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $375.30 | +593% |
| Q2 2026 | $437.19 | +449% |
| Q1 2026 | $404.36 | +3697% |
| Q4 2025 | $430.14 | +379% |
| Q3 2025 | $54.14 | -79% |
| Q2 2025 | $79.64 | -59% |
| Q1 2025 | $10.65 | -95% |
| Q4 2024 | $89.79 | -55% |
WTM earned $375.30 per share over the past year, about seven times what it earned the year before.
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 WTM 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 WTM on profitability, with a higher operating margin.
WTM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $641.1M | -26% |
| Q2 2026 | $844.6M | +23% |
| Q1 2026 | $517.8M | -10% |
| Q4 2025 | $1.6B | +348% |
| Q3 2025 | $864.2M | +3% |
| Q2 2025 | $689.2M | +74% |
| Q1 2025 | $577.8M | -11% |
| Q4 2024 | $358M | -51% |
WTM's revenue is growing: $641M last quarter, down 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -3.6% | -24 points |
| Q2 2026 | 30% | +4.7 points |
| Q1 2026 | -4.9% | -17 points |
| Q4 2025 | 56% | +90 points |
| Q3 2025 | 21% | -7.8 points |
| Q2 2025 | 26% | +34 points |
| Q1 2025 | 13% | -23 points |
| Q4 2024 | -34% | -78 points |
WTM's operating margin was −3.6% last quarter, down 24 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.
WTM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $356.6M | -0.8% |
| Q2 2026 | -$55.5M | -131% |
| Q1 2026 | $30.5M | +$70.7M |
| Q4 2025 | $53.9M | -16% |
| Q3 2025 | $359.3M | +33% |
| Q2 2025 | $177.5M | -18% |
| Q1 2025 | -$40.2M | -210% |
| Q4 2024 | $64.1M | +162% |
WTM 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 | — |
WTM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.2% | -52.5K shares |
| 1 year | -7.4% | -187K shares |
| 3 years | -6.7% | -168K shares |
| 5 years | -23% | -697K shares |
| Available history | -25% | -786K shares |
WTM has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $190.9M |
| Q1 2026 | $25.9M |
| Q4 2025 | $192.7M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $9.9M |
| Q4 2024 | $200,000 |
WTM spent $410M buying back its own shares over the past year, more than ten 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 WTM on leverage, with a lower net debt burden relative to earnings.
WTM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | 2.2x | Moderate |
| Q4 2024 | 0.9x | Very low |
WTM's net debt is less than a year of its operating earnings (EBITDA), down from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WTM.
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).
WTM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.9 | Neutral |
| Stochastic | 75.8 | Neutral |
WTM's weekly RSI is 61 (neutral) and its Stochastic is 76 (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.
WTM PE vs Financial Services Sector
| Metric | WTM | Sector median | Relative |
|---|---|---|---|
| PE | 6x | 13x | 54% below |
| PE % | 39 | 63 | 24 pts below |
WTM 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.
WTM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2,156.7 | 4.2% above |
| 20 week MA | $2,143.8 | 4.8% above |
| 50 week MA | $2,134.0 | 5.3% above |
| 100 week MA | $1,986.9 | 13% above |
| 200 week MA | $1,803.2 | 25% above |
WTM 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.
WTM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $1,098.0 | $985.8 | -10% |
| 2021 | $985.8 | $1,012.4 | +2.7% |
| 2022 | $1,012.4 | $1,394.8 | +38% |
| 2023 | $1,394.8 | $1,505.0 | +7.9% |
| 2024 | $1,505.0 | $1,918.7 | +27% |
| 2025 | $1,918.7 | $2,062.3 | +7.5% |
| 2026 YTD | $2,062.3 | $2,246.5 | +8.9% |
WTM has the edge over SOFI on returns for 2026, with the stronger performance.