ACIC
American Coastal Insurance Corporation
ACIC trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ACIC overall, supported by stronger modeled upside and stronger valuation.
ACIC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
ACIC'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 ACIC.
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.
ACIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5x | $8.85 | -14% |
| Current | 5.8x | $10.34 | — |
| Fair | 7.1x | $12.55 | +21% |
| Expensive | 8.2x | $14.58 | +41% |
| Forward | 12x | $10.34 | — |
Historical ranges are pointers, not guarantees.
ACIC's PE is in its cheap range at 5.8x. Analysts expect earnings to fall, which would put today's price at 12x next year's earnings, in its expensive 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 ACIC in the historical PE scenario, which offers more potential upside but is not a forecast.
ACIC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect ACIC'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 ACIC on the outlook, with more favorable valuation and earnings expectations.
ACIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.89 | -50% |
| Q3 2026 | $1.77 | +3.5% |
| Q2 2026 | $2.02 | +24% |
| Q1 2026 | $2.11 | +42% |
| Q4 2025 | $2.15 | +40% |
| Q3 2025 | $1.71 | +4.9% |
| Q2 2025 | $1.63 | +25% |
| Q1 2025 | $1.49 | +13% |
| Q4 2024 | $1.54 | -78% |
ACIC 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.
ACIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $70.7M | -22% |
| Q2 2026 | $82.6M | -4.5% |
| Q1 2026 | $71.2M | -1.4% |
| Q4 2025 | $86.4M | +9% |
| Q3 2025 | $90.4M | +10% |
| Q2 2025 | $86.5M | +26% |
| Q1 2025 | $72.2M | -1.4% |
| Q1 2024 | $73.2M | -19% |
ACIC's revenue has slid since its 2020 peak: $71M last quarter, down 22% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -9.3 points |
| Q2 2026 | 34% | -7.4 points |
| Q1 2026 | 36% | +1.1 points |
| Q4 2025 | 43% | +32 points |
| Q3 2025 | 46% | +2.2 points |
| Q2 2025 | 42% | +6.8 points |
| Q1 2025 | 35% | -6.7 points |
| Q4 2024 | 11% | N/A |
ACIC has the edge over SOFI on profitability, with a higher operating margin.
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 ACIC 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'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.
ACIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.4M | +$100M |
| Q2 2026 | $58.3M | -54% |
| Q1 2026 | -$5.9M | -122% |
| Q4 2025 | -$47.8M | -3105% |
| Q3 2025 | -$35.6M | -$26.6M |
| Q2 2025 | $127.9M | +1.2% |
| Q1 2025 | $26.3M | -79% |
| Q4 2024 | $1.6M | -97% |
ACIC 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.
ACIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -893K shares |
| 1 year | -3% | -1.5M shares |
| 3 years | +9.7% | +4.3M shares |
| 5 years | +13% | +5.4M shares |
| Available history | +13% | +5.6M shares |
ACIC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 | — |
ACIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
ACIC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ACIC.
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 ACIC on leverage, with a lower net debt burden relative to earnings.
ACIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 57.6 | Neutral |
ACIC's weekly RSI is 50 (neutral) and its Stochastic is 58 (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).
ACIC PE vs Financial Services Sector
| Metric | ACIC | Sector median | Relative |
|---|---|---|---|
| PE | 5.8x | 13x | 55% below |
| PE % | 31 | 63 | 32 pts below |
ACIC 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.
ACIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 0.9% above |
| 20 week MA | $10.1 | 2% above |
| 50 week MA | $10.8 | 4.6% below |
| 100 week MA | $11.2 | 7.3% below |
| 200 week MA | $9.81 | 5.4% above |
ACIC has the edge over SOFI on trend strength, trading above more of its moving averages.
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.
ACIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.4 | $6.08 | -51% |
| 2021 | $6.08 | $4.33 | -29% |
| 2022 | $4.33 | $0.88 | -80% |
| 2023 | $0.88 | $9.46 | +975% |
| 2024 | $9.46 | $13.4 | +41% |
| 2025 | $13.4 | $12.5 | -6.3% |
| 2026 YTD | $12.5 | $10.3 | -18% |
ACIC 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.