ALL
The Allstate Corporation
ALL has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ALL overall, supported by stronger modeled upside and stronger fundamentals.
ALL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ALL's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ALL.
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.
ALL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6x | $267 | — |
| Cheap | 6.2x | $274 | +2.6% |
| Forward | 9.1x | $267 | — |
| Fair | 10x | $450 | +69% |
| Expensive | 16x | $726 | +172% |
Historical ranges are pointers, not guarantees.
ALL's PE is in its cheap range at 6.0x. On analysts' estimates for next year's earnings, today's price would be 9.1x, 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 ALL in the historical PE scenario, which offers more potential upside but is not a forecast.
ALL Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Weakening | |
| Moderate | |
| Low |
Analysts expect ALL's profitability to weaken, with its earnings and revenue holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ALL on the outlook, with more favorable valuation and earnings expectations.
ALL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $29.22 | -34% |
| Q3 2026 | $44.16 | +43% |
| Q2 2026 | $50.08 | +135% |
| Q1 2026 | $45.33 | +210% |
| Q4 2025 | $38.19 | +125% |
| Q3 2025 | $30.89 | +100% |
| Q2 2025 | $21.27 | +94% |
| Q1 2025 | $14.64 | +223% |
| Q4 2024 | $16.99 | +$18.23 |
ALL 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.
ALL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $17.3B | +0.5% |
| Q2 2026 | $18.6B | +12% |
| Q1 2026 | $16.9B | +3% |
| Q4 2025 | $17.3B | +5.1% |
| Q3 2025 | $17.3B | +3.8% |
| Q2 2025 | $16.6B | +5.8% |
| Q1 2025 | $16.5B | +7.8% |
| Q4 2024 | $16.5B | +11% |
ALL's revenue has grown year over year for 17 quarters in a row: $17.3B last quarter, about level with 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 ALL on sales, with stronger typical year-over-year growth.
| 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.
ALL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +15% |
| Q2 2026 | $2.6B | +38% |
| Q1 2026 | $3.5B | +88% |
| Q4 2025 | $2.9B | +75% |
| Q3 2025 | $3.2B | +3.1% |
| Q2 2025 | $1.9B | -19% |
| Q1 2025 | $1.9B | +15% |
| Q4 2024 | $1.7B | +43% |
ALL 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.
ALL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.5% | -3.8M shares |
| 1 year | -4.2% | -11.1M shares |
| 3 years | -2.5% | -6.5M shares |
| 5 years | -14% | -42.6M shares |
| Available history | -23% | -78.2M shares |
ALL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.2B |
| Q2 2026 | $1.1B |
| Q1 2026 | $614M |
| Q4 2025 | $434M |
| Q3 2025 | $360M |
| Q2 2025 | $340M |
| Q1 2025 | $99M |
| Q4 2024 | $2M |
ALL spent $3.3B buying back its own shares over the past year, about four times what it spent 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 | — |
ALL Net Leverage
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.
ALL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 67.9 | Neutral |
ALL's weekly RSI is 63 (neutral) and its Stochastic is 68 (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).
ALL PE vs Financial Services Sector
| Metric | ALL | Sector median | Relative |
|---|---|---|---|
| PE | 6x | 13x | 54% below |
| PE % | 15 | 63 | 48 pts below |
ALL 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.
ALL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $245.4 | 8.7% above |
| 20 week MA | $252.3 | 5.7% above |
| 50 week MA | $227.0 | 17% above |
| 100 week MA | $213.2 | 25% above |
| 200 week MA | $179.8 | 48% above |
ALL 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.
ALL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $111.9 | $107.2 | -4.2% |
| 2021 | $107.2 | $114.1 | +6.5% |
| 2022 | $114.1 | $136.4 | +19% |
| 2023 | $136.4 | $140.0 | +2.6% |
| 2024 | $140.0 | $193.8 | +38% |
| 2025 | $193.8 | $207.8 | +7.2% |
| 2026 YTD | $207.8 | $266.7 | +28% |
ALL 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.