CINF
Cincinnati Financial Corporation
CINF trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CINF overall, supported by stronger modeled upside and stronger valuation.
CINF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CINF'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 CINF.
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.
CINF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $128 | -33% |
| Fair | 10x | $174 | -8.6% |
| Current | 11x | $190 | — |
| Expensive | 19x | $327 | +72% |
| Forward | 21x | $190 | — |
Historical ranges are pointers, not guarantees.
CINF's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 21x, in its expensive 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 CINF in the historical PE scenario, which offers more potential upside but is not a forecast.
CINF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect CINF's earnings, revenue and profitability to hold roughly 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 CINF on the outlook, with more favorable valuation and earnings expectations.
CINF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.94 | -48% |
| Q3 2026 | $17.05 | +27% |
| Q2 2026 | $21.20 | +84% |
| Q1 2026 | $17.49 | +91% |
| Q4 2025 | $15.17 | +4.4% |
| Q3 2025 | $13.45 | -31% |
| Q2 2025 | $11.54 | -15% |
| Q1 2025 | $9.18 | -39% |
| Q4 2024 | $14.53 | +25% |
CINF earned $17.05 per share over the past year, up 27% from the year before.
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.
CINF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3B | -18% |
| Q2 2026 | $4.3B | +32% |
| Q1 2026 | $2.9B | +12% |
| Q4 2025 | $3.1B | +22% |
| Q3 2025 | $3.7B | +12% |
| Q2 2025 | $3.2B | +28% |
| Q1 2025 | $2.6B | -13% |
| Q4 2024 | $2.5B | -24% |
CINF's revenue is growing: $3B last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | -20 points |
| Q2 2026 | 37% | +11 points |
| Q1 2026 | 11% | +16 points |
| Q4 2025 | 27% | +8.3 points |
| Q3 2025 | 38% | +6.6 points |
| Q2 2025 | 26% | +11 points |
| Q1 2025 | -5% | -38 points |
| Q4 2024 | 19% | -26 points |
CINF's operating margin was 18% last quarter, down 20 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 CINF 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 CINF on profitability, with a higher operating margin.
CINF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $787M | -29% |
| Q2 2026 | $698M | -5.3% |
| Q1 2026 | $654M | +113% |
| Q4 2025 | $939M | +47% |
| Q3 2025 | $1.1B | +22% |
| Q2 2025 | $737M | 0% |
| Q1 2025 | $307M | -11% |
| Q4 2024 | $638M | +12% |
CINF 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.
CINF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -600K shares |
| 1 year | -1.7% | -2.7M shares |
| 3 years | -1.1% | -1.8M shares |
| 5 years | -4.8% | -7.8M shares |
| Available history | -6.1% | -10M shares |
CINF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $216M |
| Q1 2026 | $179M |
| Q4 2025 | $103M |
| Q3 2025 | $60M |
| Q2 2025 | — |
| Q1 2025 | $42M |
| Q4 2024 | $5M |
CINF spent $499M buying back its own shares over the past year, about five 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 | — |
CINF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | -0.4x | Net Cash |
| Q1 2022 | -0.1x | Net Cash |
| Q4 2021 | -0.1x | Net Cash |
| Q3 2021 | -0.1x | Net Cash |
| Q2 2021 | -0.0x | Net Cash |
| Q1 2021 | -0.0x | Net Cash |
| Q4 2020 | -0.0x | Net Cash |
| Q3 2020 | -0.1x | Net Cash |
CINF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CINF.
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.
CINF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 79.4 | Neutral |
CINF's weekly RSI is 66 (neutral) and its Stochastic is 79 (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).
CINF PE vs Financial Services Sector
| Metric | CINF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 58 | 63 | 5 pts below |
CINF 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.
CINF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $174.1 | 9.3% above |
| 20 week MA | $175.3 | 8.6% above |
| 50 week MA | $168.6 | 13% above |
| 100 week MA | $158.2 | 20% above |
| 200 week MA | $137.0 | 39% above |
CINF 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.
CINF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $103.9 | $85.2 | -18% |
| 2021 | $85.2 | $112.3 | +32% |
| 2022 | $112.3 | $104.5 | -7% |
| 2023 | $104.5 | $103.5 | -1% |
| 2024 | $103.5 | $144.1 | +39% |
| 2025 | $144.1 | $164.8 | +14% |
| 2026 YTD | $164.8 | $190.3 | +15% |
CINF 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.