ASB
Associated Banc-Corp
ASB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ASB overall, supported by stronger modeled upside and stronger valuation.
ASB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ASB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ASB.
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.
ASB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $22.02 | -29% |
| Forward | 9.4x | $30.81 | — |
| Fair | 11x | $30.62 | -0.6% |
| Current | 11x | $30.81 | — |
| Expensive | 22x | $62.92 | +104% |
Historical ranges are pointers, not guarantees.
ASB's PE is 11x, 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 ASB in the historical PE scenario, which offers more potential upside but is not a forecast.
ASB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ASB, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ASB on the outlook, with more favorable profitability expectations.
ASB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.30 | +14% |
| Q3 2026 | $2.89 | +232% |
| Q2 2026 | $2.86 | +309% |
| Q1 2026 | $2.88 | +265% |
| Q4 2025 | $2.77 | +285% |
| Q3 2025 | $0.87 | -28% |
| Q2 2025 | $0.70 | -40% |
| Q1 2025 | $0.79 | -20% |
| Q4 2024 | $0.72 | -36% |
ASB's earnings per share have jumped to their highest in seven years: $2.89 over the past year, up from $0.87 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 has the edge over ASB on earnings, with more consistent year-over-year improvement.
ASB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $464.4M | +20% |
| Q2 2026 | $450.4M | +23% |
| Q1 2026 | $383M | +11% |
| Q4 2025 | $389.4M | +513% |
| Q3 2025 | $386.5M | +17% |
| Q2 2025 | $367M | +14% |
| Q1 2025 | $344.7M | +6.8% |
| Q4 2024 | $63.5M | -48% |
ASB's revenue has grown year over year for seven quarters in a row: $464M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +1 points |
| Q2 2026 | 35% | -2.7 points |
| Q1 2026 | 40% | +4.8 points |
| Q4 2025 | 42% | +322 points |
| Q3 2025 | 40% | +7.1 points |
| Q2 2025 | 38% | +6.1 points |
| Q1 2025 | 35% | +3.8 points |
| Q4 2024 | -280% | -167 points |
ASB 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 ASB 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.
ASB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $329.2M | +108% |
| Q2 2026 | $207.1M | +46% |
| Q1 2026 | $135.9M | +38% |
| Q4 2025 | $218.1M | +5.3% |
| Q3 2025 | $158M | +50% |
| Q2 2025 | $141.5M | +25% |
| Q1 2025 | $98.2M | -36% |
| Q4 2024 | $207.1M | +220% |
ASB 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.
ASB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -1.4M shares |
| 1 year | +13% | +21.8M shares |
| 3 years | +25% | +37.5M shares |
| 5 years | +25% | +37.4M shares |
| Available history | +16% | +26.6M shares |
ASB has 189M diluted shares, up 13% from a year ago.
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 the edge over ASB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ASB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 1.2x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 1.8x | Healthy |
| Q4 2024 | 2.2x | Moderate |
ASB's net debt is less than a year of its operating earnings (EBITDA), down from 1.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ASB.
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 ASB on leverage, with a lower net debt burden relative to earnings.
ASB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.3 | Neutral |
| Stochastic | 55.9 | Neutral |
ASB's weekly RSI is 58 (neutral) and its Stochastic is 56 (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).
ASB PE vs Financial Services Sector
| Metric | ASB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 51 | 63 | 12 pts below |
ASB 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.
ASB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.7 | 3.7% above |
| 20 week MA | $30.4 | 1.3% above |
| 50 week MA | $28.5 | 8.2% above |
| 100 week MA | $26.4 | 17% above |
| 200 week MA | $23.3 | 32% above |
ASB 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.
ASB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.0 | $17.0 | -23% |
| 2021 | $17.0 | $22.5 | +32% |
| 2022 | $22.5 | $22.7 | +1.2% |
| 2023 | $22.7 | $21.4 | -5.9% |
| 2024 | $21.4 | $24.1 | +12% |
| 2025 | $24.1 | $26.4 | +9.6% |
| 2026 YTD | $26.4 | $30.8 | +17% |
ASB 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.