AIG
American International Group, Inc.
AIG has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over AIG overall, supported by stronger valuation and stronger fundamentals.
AIG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
AIG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like AIG.
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.
AIG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.6x | $28.10 | -66% |
| Forward | 9.7x | $82.57 | — |
| Fair | 11x | $67.19 | -19% |
| Current | 13x | $82.57 | — |
| Expensive | 14x | $89.12 | +7.9% |
Historical ranges are pointers, not guarantees.
AIG's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 9.7x next year's earnings, in its fair 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 AIG in the historical PE scenario, which offers more potential upside but is not a forecast.
AIG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AIG, with profitability improving.
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.
AIG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.55 | +39% |
| Q3 2026 | $6.15 | +12% |
| Q2 2026 | $5.48 | +3.8% |
| Q1 2026 | $5.68 | +$8.34 |
| Q4 2025 | $5.43 | +$7.51 |
| Q3 2025 | $5.50 | +$8.90 |
| Q2 2025 | $5.28 | +$6.58 |
| Q1 2025 | -$2.66 | -140% |
| Q4 2024 | -$2.08 | -142% |
AIG 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.
AIG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.4B | +17% |
| Q2 2026 | $7.1B | -0.1% |
| Q1 2026 | $6.7B | -2% |
| Q4 2025 | $6.6B | -8.7% |
| Q3 2025 | $6.4B | -5.9% |
| Q2 2025 | $7.1B | +8.1% |
| Q1 2025 | $6.8B | -46% |
| Q4 2024 | $7.2B | -27% |
AIG's revenue is recovering but still below its 2022 peak: $7.4B last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | +3.8 points |
| Q2 2026 | 18% | -3.9 points |
| Q1 2026 | 15% | +0.7 points |
| Q4 2025 | 10% | -11 points |
| Q3 2025 | 11% | +1.6 points |
| Q2 2025 | 22% | +12 points |
| Q1 2025 | 14% | -2.2 points |
| Q4 2024 | 22% | +35 points |
AIG's operating margin was 15% last quarter, up 3.8 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 AIG 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 AIG on profitability, with a higher operating margin.
AIG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.7B | +100% |
| Q2 2026 | $1.7B | +23% |
| Q1 2026 | $155M | +$211M |
| Q4 2025 | $636M | +409% |
| Q3 2025 | $1.3B | -21% |
| Q2 2025 | $1.4B | +50% |
| Q1 2025 | -$56M | -111% |
| Q3 2024 | $1.7B | -52% |
AIG 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.
AIG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -6.3M shares |
| 1 year | -5.6% | -31.3M shares |
| 3 years | -27% | -192M shares |
| 5 years | -39% | -337M shares |
| Available history | -41% | -369M shares |
AIG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $529M |
| Q2 2026 | $645M |
| Q1 2026 | $508M |
| Q4 2025 | $584M |
| Q3 2025 | $1.2B |
| Q2 2025 | $1.8B |
| Q1 2025 | $2.2B |
| Q4 2024 | $1.8B |
AIG spent $2.3B buying back its own shares over the past year, down 68% 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 | — |
AIG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | 1.1x | Healthy |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | 0.9x | Very low |
AIG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AIG.
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 AIG on leverage, with a lower net debt burden relative to earnings.
AIG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.8 | Neutral |
| Stochastic | 75.3 | Neutral |
AIG's weekly RSI is 60 (neutral) and its Stochastic is 75 (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).
AIG PE vs Financial Services Sector
| Metric | AIG | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.1% above |
| PE % | 69 | 63 | 6 pts above |
AIG 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.
AIG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $78.8 | 4.8% above |
| 20 week MA | $78.1 | 5.7% above |
| 50 week MA | $77.7 | 6.3% above |
| 100 week MA | $78.6 | 5% above |
| 200 week MA | $72.6 | 14% above |
AIG 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.
AIG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $37.4 | -27% |
| 2021 | $37.4 | $56.6 | +51% |
| 2022 | $56.6 | $63.2 | +12% |
| 2023 | $63.2 | $67.8 | +7.3% |
| 2024 | $67.8 | $73.0 | +7.7% |
| 2025 | $73.0 | $86.5 | +18% |
| 2026 YTD | $86.5 | $82.6 | -4.5% |
AIG 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.