AON
Aon plc
AON has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over AON overall, supported by stronger modeled upside and stronger valuation.
AON Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
AON'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 AON.
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.
AON PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 17x | $333 | — |
| Current | 18x | $333 | — |
| Cheap | 23x | $423 | +27% |
| Fair | 27x | $500 | +50% |
| Expensive | 34x | $616 | +85% |
Historical ranges are pointers, not guarantees.
AON's PE is 18x, but its earnings don't support one, so it isn't a reliable read right now.
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 AON in the historical PE scenario, which offers more potential upside but is not a forecast.
AON Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for AON, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over AON on the outlook, with more favorable valuation and profitability expectations.
AON Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $19.21 | +5.2% |
| Q3 2026 | $18.26 | +48% |
| Q2 2026 | $18.14 | +54% |
| Q1 2026 | $18.22 | +57% |
| Q4 2025 | $17.02 | +36% |
| Q3 2025 | $12.31 | +3.6% |
| Q2 2025 | $11.77 | -6.1% |
| Q1 2025 | $11.57 | -9.5% |
| Q4 2024 | $12.49 | -0.2% |
AON earned $18.26 per share over the past year, up 48% from the year before. Its recent earnings include one-off gains.
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.
AON Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $4.1B | +2.6% |
| Q2 2026 | $4.2B | +2.2% |
| Q1 2026 | $5B | +6.4% |
| Q4 2025 | $4.3B | +3.7% |
| Q3 2025 | $4B | +7.4% |
| Q2 2025 | $4.2B | +11% |
| Q1 2025 | $4.7B | +16% |
| Q4 2024 | $4.1B | +23% |
AON's revenue has grown year over year for 16 quarters in a row: $4.1B last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | -0.7 points |
| Q2 2026 | 22% | +0.9 points |
| Q1 2026 | 34% | +3.2 points |
| Q4 2025 | 28% | +1.8 points |
| Q3 2025 | 20% | +3.7 points |
| Q2 2025 | 21% | +3.2 points |
| Q1 2025 | 31% | -5.1 points |
| Q4 2024 | 26% | +3.2 points |
AON's operating margin was 20% last quarter, down 0.7 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 AON 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 has the edge over AON on profitability, with a higher operating margin.
AON Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +1.7% |
| Q2 2026 | $483M | -34% |
| Q1 2026 | $363M | +332% |
| Q4 2025 | $1.3B | +16% |
| Q3 2025 | $1.1B | +13% |
| Q2 2025 | $732M | +59% |
| Q1 2025 | $84M | -68% |
| Q4 2024 | $1.1B | -5.5% |
AON 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.
AON Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -900K shares |
| 1 year | -1.7% | -3.7M shares |
| 3 years | +4.1% | +8.4M shares |
| 5 years | -5.5% | -12.4M shares |
| Available history | -11% | -27.6M shares |
AON has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $600M |
| Q1 2026 | $500M |
| Q4 2025 | $250M |
| Q3 2025 | $250M |
| Q2 2025 | $250M |
| Q1 2025 | $250M |
| Q4 2024 | $200M |
AON spent $1.4B buying back its own shares over the past year, up 42% 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 | — |
AON Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.4x | High |
| Q2 2026 | 2.9x | Moderate |
| Q1 2026 | 2.8x | Moderate |
| Q4 2025 | 3.1x | Elevated |
| Q3 2025 | 3.6x | Elevated |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 4.2x | High |
| Q4 2024 | 4.0x | Elevated |
AON's net debt is about 5.4 years of its operating earnings (EBITDA), up from 3.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like AON.
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 AON on leverage, with a lower net debt burden relative to earnings.
AON Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.2 | Neutral |
| Stochastic | 62.2 | Neutral |
AON's weekly RSI is 54 (neutral) and its Stochastic is 62 (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).
AON PE vs Financial Services Sector
| Metric | AON | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 40% above |
| PE % | 5 | 63 | 58 pts below |
AON 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.
AON Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $300.9 | 11% above |
| 20 week MA | $327.8 | 1.7% above |
| 50 week MA | $329.9 | 1.1% above |
| 100 week MA | $347.4 | 4% below |
| 200 week MA | $335.2 | 0.5% below |
AON 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.
AON Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $207.5 | $210.6 | +1.5% |
| 2021 | $210.6 | $292.4 | +39% |
| 2022 | $292.4 | $300.6 | +2.8% |
| 2023 | $300.6 | $291.0 | -3.2% |
| 2024 | $291.0 | $360.4 | +24% |
| 2025 | $360.4 | $356.7 | -1% |
| 2026 YTD | $356.7 | $333.4 | -6.5% |
AON 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.