C
Citigroup Inc.
C has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over C overall, supported by stronger valuation and stronger modeled upside.
C Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
C's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like C.
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.
C PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.3x | $64.83 | -48% |
| Fair | 9.8x | $101 | -19% |
| Forward | 10x | $124 | — |
| Current | 12x | $124 | — |
| Expensive | 16x | $164 | +32% |
Historical ranges are pointers, not guarantees.
C's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
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 C in the historical PE scenario, which offers more potential upside but is not a forecast.
C Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for C, 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.
C Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.18 | +19% |
| Q3 2026 | $10.27 | +44% |
| Q2 2026 | $9.28 | +37% |
| Q1 2026 | $8.09 | +28% |
| Q4 2025 | $6.99 | +18% |
| Q3 2025 | $7.11 | +103% |
| Q2 2025 | $6.76 | +87% |
| Q1 2025 | $6.32 | +84% |
| Q4 2024 | $5.94 | +47% |
C 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.
C Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.8B | +7.9% |
| Q2 2026 | $24.8B | +14% |
| Q1 2026 | $24.6B | +14% |
| Q4 2025 | $19.9B | +1.5% |
| Q3 2025 | $22.1B | +8.7% |
| Q2 2025 | $21.7B | +7.6% |
| Q1 2025 | $21.6B | +2.3% |
| Q4 2024 | $19.6B | +12% |
C's revenue has grown year over year for 10 quarters in a row: $23.8B last quarter, up 7.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +6.4 points |
| Q2 2026 | 32% | +8.3 points |
| Q1 2026 | 31% | +5.3 points |
| Q4 2025 | 19% | -0.2 points |
| Q3 2025 | 24% | +2.6 points |
| Q2 2025 | 24% | +2.7 points |
| Q1 2025 | 25% | +3.7 points |
| Q4 2024 | 19% | +32 points |
C 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 C 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.
C Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $22.3B | +$22.8B |
| Q2 2026 | -$25.6B | +$12.7B |
| Q1 2026 | -$23.3B | +$36.9B |
| Q4 2025 | $24.9B | +7.9% |
| Q3 2025 | -$517M | +$17.7B |
| Q2 2025 | -$38.3B | -$19.7B |
| Q1 2025 | -$60.2B | -$47.8B |
| Q4 2024 | $23.1B | +$29.5B |
C has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
C Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -29M shares |
| 1 year | -8.4% | -156M shares |
| 3 years | -13% | -245M shares |
| 5 years | -16% | -320M shares |
| Available history | -25% | -559M shares |
C has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $6.3B |
| Q4 2025 | $4.5B |
| Q3 2025 | $5B |
| Q2 2025 | $2B |
| Q1 2025 | $1.8B |
| Q4 2024 | $968M |
C spent $17.8B buying back its own shares over the past year, up 83% 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 | — |
C Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.0x | High |
| Q2 2026 | 13.0x | High |
| Q1 2026 | 13.5x | High |
| Q4 2025 | 15.0x | High |
| Q3 2025 | 15.2x | High |
| Q2 2025 | 16.0x | High |
| Q1 2025 | 15.5x | High |
| Q4 2024 | 16.0x | High |
C's net debt is about 13 years of its operating earnings (EBITDA), down from 15 years a year ago. Net leverage isn't a meaningful measure for financial services companies like C.
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 C on leverage, with a lower net debt burden relative to earnings.
C Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.5 | Neutral |
| Stochastic | 16.5 | Oversold |
C's weekly RSI is 47 (neutral) and its Stochastic is 16 (oversold).
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).
C PE vs Financial Services Sector
| Metric | C | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.2% below |
| PE % | 60 | 63 | 3 pts below |
C 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.
C Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $125.4 | 1.1% below |
| 20 week MA | $131.3 | 5.5% below |
| 50 week MA | $124.8 | 0.6% below |
| 100 week MA | $104.4 | 19% above |
| 200 week MA | $79.0 | 57% above |
C 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.
C Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $79.7 | $60.6 | -24% |
| 2021 | $60.6 | $60.2 | -0.6% |
| 2022 | $60.2 | $44.3 | -26% |
| 2023 | $44.3 | $51.4 | +16% |
| 2024 | $51.4 | $71.0 | +38% |
| 2025 | $71.0 | $120.4 | +70% |
| 2026 YTD | $120.4 | $124.1 | +3% |
C 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.