CIA
Citizens, Inc.
CIA trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CIA overall, supported by stronger valuation and stronger modeled upside.
CIA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
CIA's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIA.
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.
CIA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $1.10 | -70% |
| Fair | 16x | $2.60 | -29% |
| Forward | 19x | $3.67 | — |
| Current | 23x | $3.67 | — |
| Expensive | 24x | $3.86 | +5.1% |
Historical ranges are pointers, not guarantees.
CIA's PE is in its expensive range at 23x. On analysts' estimates for next year's earnings, today's price would be 19x, 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 CIA in the historical PE scenario, which offers more potential upside but is not a forecast.
CIA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect CIA's earnings and profitability to decline, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CIA on the outlook, with more favorable earnings and revenue expectations.
CIA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.19 | +19% |
| Q3 2026 | $0.16 | -24% |
| Q2 2026 | $0.21 | -4.5% |
| Q1 2026 | $0.35 | +106% |
| Q4 2025 | $0.28 | -3.4% |
| Q3 2025 | $0.21 | -51% |
| Q2 2025 | $0.22 | -49% |
| Q1 2025 | $0.17 | -64% |
| Q4 2024 | $0.29 | -40% |
CIA's earnings per share have fallen from their peak: $0.16 over the past year, against $0.48 in late 2023.
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 CIA on earnings, with more consistent year-over-year improvement.
CIA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65M | +3.6% |
| Q2 2026 | $60.4M | -7.2% |
| Q1 2026 | $59.7M | +7.3% |
| Q4 2025 | $72.1M | +14% |
| Q3 2025 | $62.8M | +1.7% |
| Q2 2025 | $65.1M | +4.8% |
| Q1 2025 | $55.7M | -3.6% |
| Q4 2024 | $63.5M | -5% |
CIA's revenue has picked up after four years of holding roughly level: $65M last quarter, up 3.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -6.9 points |
| Q2 2026 | -0.9% | -12 points |
| Q1 2026 | 4% | +7.2 points |
| Q4 2025 | 11% | +5.1 points |
| Q3 2025 | 7.1% | +2.2 points |
| Q2 2025 | 11% | +5.3 points |
| Q1 2025 | -3.2% | -12 points |
| Q4 2024 | 5.8% | -7.3 points |
CIA's operating margin was 0.2% last quarter, down 6.9 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 CIA 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 CIA on profitability, with a higher operating margin.
CIA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | +132% |
| Q2 2026 | $2M | -39% |
| Q1 2026 | -$649K | -201% |
| Q4 2025 | $9M | -16% |
| Q3 2025 | $4.6M | -51% |
| Q2 2025 | $3.3M | -26% |
| Q1 2025 | $641K | -90% |
| Q4 2024 | $10.7M | +66% |
CIA 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.
CIA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +61.7K shares |
| 1 year | +0.8% | +408K shares |
| 3 years | +2.3% | +1.2M shares |
| 5 years | +0.5% | +248K shares |
CIA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $200,000 |
| Q3 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $522,000 |
| Q4 2021 | — |
| Q3 2021 | — |
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 | — |
CIA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -1.8x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
CIA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIA.
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 CIA on leverage, with a lower net debt burden relative to earnings.
CIA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.7 | Neutral |
| Stochastic | 32.8 | Neutral |
CIA's weekly RSI is 41 (neutral) and its Stochastic is 33 (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).
CIA PE vs Financial Services Sector
| Metric | CIA | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 76% above |
| PE % | 76 | 63 | 13 pts above |
CIA 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.
CIA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.63 | 1.1% above |
| 20 week MA | $4.10 | 10% below |
| 50 week MA | $4.85 | 24% below |
| 100 week MA | $4.76 | 23% below |
| 200 week MA | $3.85 | 4.7% below |
CIA has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 4.7% below its 200-week average.
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.
CIA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.67 | $5.89 | -12% |
| 2021 | $5.89 | $5.76 | -2.2% |
| 2022 | $5.76 | $2.28 | -60% |
| 2023 | $2.28 | $2.69 | +18% |
| 2024 | $2.69 | $4.32 | +61% |
| 2025 | $4.32 | $5.16 | +19% |
| 2026 YTD | $5.16 | $3.67 | -29% |
CIA 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.