CNA
CNA Financial Corporation
CNA trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CNA overall, supported by stronger modeled upside and stronger valuation.
CNA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CNA's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CNA.
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.
CNA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.8x | $37.32 | -23% |
| Fair | 11x | $42.60 | -12% |
| Forward | 11x | $48.29 | — |
| Current | 13x | $48.29 | — |
| Expensive | 15x | $55.76 | +15% |
Historical ranges are pointers, not guarantees.
CNA's PE is in its expensive range at 13x. On analysts' estimates for next year's earnings, today's price would be 11x, 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 CNA in the historical PE scenario, which offers more potential upside but is not a forecast.
CNA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect CNA's revenue to grow, but its earnings and profitability to decline.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CNA on the outlook, with more favorable earnings and profitability expectations.
CNA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.59 | +21% |
| Q3 2026 | $3.79 | +3.8% |
| Q2 2026 | $4.55 | +42% |
| Q1 2026 | $4.47 | +36% |
| Q4 2025 | $4.69 | +33% |
| Q3 2025 | $3.65 | -24% |
| Q2 2025 | $3.21 | -32% |
| Q1 2025 | $3.28 | -28% |
| Q4 2024 | $3.52 | -21% |
CNA earned $3.79 per share over the past year, up 3.8% 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 has the edge over CNA on earnings, with more consistent year-over-year improvement.
CNA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.8B | +0.1% |
| Q2 2026 | $3.8B | +3% |
| Q1 2026 | $3.7B | +1.4% |
| Q4 2025 | $3.8B | +3.8% |
| Q3 2025 | $3.8B | +5.5% |
| Q2 2025 | $3.7B | +5.6% |
| Q1 2025 | $3.6B | +5.3% |
| Q4 2024 | $3.7B | +5.2% |
CNA's revenue has grown year over year for 16 quarters in a row: $3.8B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.2% | -7.2 points |
| Q2 2026 | 11% | +0.4 points |
| Q1 2026 | 7.3% | -2.4 points |
| Q4 2025 | 9.9% | +9.3 points |
| Q3 2025 | 13% | +3.5 points |
| Q2 2025 | 10% | -1.2 points |
| Q1 2025 | 9.6% | -2.8 points |
| Q4 2024 | 0.6% | -13 points |
CNA's operating margin was 6.2% last quarter, down 7.2 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 CNA 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 CNA on profitability, with a higher operating margin.
CNA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $634M | -9.9% |
| Q2 2026 | $629M | +17% |
| Q1 2026 | $380M | -39% |
| Q4 2025 | $542M | -18% |
| Q3 2025 | $704M | -3.6% |
| Q2 2025 | $538M | -9.9% |
| Q1 2025 | $620M | +28% |
| Q4 2024 | $665M | +34% |
CNA 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.
CNA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +300K shares |
| 1 year | -0.1% | -300K shares |
| 3 years | -0.1% | -300K shares |
| 5 years | -0.3% | -700K shares |
| Available history | -0.2% | -500K shares |
CNA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $36M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $34M |
| Q4 2024 | — |
CNA spent $36M buying back its own shares over the past year, up 5.9% 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 | — |
CNA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.6x | Healthy |
| Q1 2026 | 1.5x | Healthy |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 2.2x | Moderate |
| Q2 2025 | 2.2x | Moderate |
| Q1 2025 | 2.1x | Moderate |
| Q4 2024 | 2.0x | Healthy |
CNA's net debt is about 1.9 years of its operating earnings (EBITDA), down from 2.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CNA.
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 CNA on leverage, with a lower net debt burden relative to earnings.
CNA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.0 | Neutral |
| Stochastic | 35.9 | Neutral |
CNA's weekly RSI is 51 (neutral) and its Stochastic is 36 (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).
CNA PE vs Financial Services Sector
| Metric | CNA | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.2% below |
| PE % | 68 | 63 | 5 pts above |
CNA 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.
CNA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.4 | 1.9% above |
| 20 week MA | $49.3 | 2% below |
| 50 week MA | $47.6 | 1.5% above |
| 100 week MA | $47.4 | 1.9% above |
| 200 week MA | $45.4 | 6.4% above |
CNA 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.
CNA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $44.5 | $38.6 | -13% |
| 2021 | $38.6 | $43.8 | +13% |
| 2022 | $43.8 | $41.9 | -4.4% |
| 2023 | $41.9 | $42.3 | +1.1% |
| 2024 | $42.3 | $48.4 | +14% |
| 2025 | $48.4 | $47.8 | -1.3% |
| 2026 YTD | $47.8 | $48.3 | +1.1% |
CNA 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.