CNF
CNFinance Holdings Limited
There isn't enough reported data to score CNF yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
CNF Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
CNF's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like CNF.
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.
CNF PE Valuation
CNF has no meaningful PE right now: it lost money over the past year.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
CNF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect CNF's revenue to grow, but its earnings to decline.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CNF on the outlook, with more favorable earnings and profitability expectations.
CNF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$0.05 | -225% |
| Q4 2024 | $0.04 | -76% |
| Q4 2023 | $0.17 | +31% |
| Q4 2022 | $0.13 | +63% |
| Q4 2021 | $0.08 | -33% |
| Q4 2020 | $0.12 | -78% |
| Q4 2019 | $0.54 | -42% |
| Q4 2018 | $0.93 | -96% |
CNF has swung to a loss: it lost $0.05 per share over the past year, after a profit 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 CNF in the latest year-over-year earnings comparison.
CNF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $16.8M | -84% |
| Q4 2024 | $106.4M | -31% |
| Q4 2023 | $153.9M | +201% |
| Q4 2022 | $51.2M | -66% |
| Q4 2021 | $151.1M | -9.6% |
| Q4 2020 | $167.1M | -38% |
| Q4 2019 | $268.4M | -23% |
| Q4 2018 | $350.9M | +118% |
CNF's revenue has slid since its 2018 peak: $17M last quarter, down 82% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -164% | N/A |
| Q4 2024 | -56% | -66 points |
| Q4 2023 | -37% | -52 points |
| Q4 2021 | 9.3% | -15 points |
| Q4 2020 | 15% | -6.5 points |
| Q4 2019 | 40% | +16 points |
| Q4 2018 | 50% | +23 points |
| Q4 2017 | 24% | N/A |
CNF's operating margin was −164% last quarter, down 178 points from the same quarter a year ago, near the bottom of its range since 2017.
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 CNF in the latest year-over-year revenue comparison.
| 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.
CNF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $12.1M | -89% |
| Q4 2024 | $112.4M | -53% |
| Q4 2023 | $238.8M | +$258.7M |
| Q4 2022 | -$19.9M | -119% |
| Q4 2021 | $102.9M | -39% |
| Q4 2020 | $167.5M | -14% |
| Q4 2019 | $194.3M | -1.8% |
| Q4 2018 | $197.8M | +$197.8M |
CNF's free cash flow was $343M over the past year, down 44% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CNF.
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.
CNF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +969% | +1.2B shares |
| 1 year | +812% | +1.2B shares |
| 3 years | +43731% | +1.4B shares |
CNF has 1.4B diluted shares, up 812% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $267,453 |
| Q4 2024 | $686,629 |
| Q4 2023 | $4.6M |
| Q4 2017 | — |
| Q3 2017 | — |
| Q2 2017 | — |
| Q1 2017 | — |
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 CNF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
CNF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2021 | 59.5x | High |
| Q4 2017 | 17.7x | High |
CNF's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like CNF.
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.
CNF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.2 | Neutral |
| Stochastic | 52.3 | Neutral |
CNF's weekly RSI is 34 (neutral) and its Stochastic is 52 (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).
CNF PE vs Financial Services Sector
CNF has no meaningful PE right now: it lost money over the past year.
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.
CNF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.93 | 3.1% below |
| 20 week MA | $2.16 | 13% below |
| 50 week MA | $3.50 | 47% below |
| 100 week MA | $5.29 | 65% below |
| 200 week MA | $13.3 | 86% below |
CNF is in a downtrend: it's below all five of its weekly moving averages, and 86% 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 the edge over CNF on trend strength, trading above more of its moving averages.
CNF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.2 | $37.0 | -26% |
| 2021 | $37.0 | $29.9 | -19% |
| 2022 | $29.9 | $17.4 | -42% |
| 2023 | $17.4 | $22.2 | +28% |
| 2024 | $22.2 | $9.40 | -58% |
| 2025 | $9.40 | $6.24 | -34% |
| 2026 YTD | $6.24 | $1.87 | -70% |
CNF has finished lower in five of the last six years. It's down 70% so far in 2026.
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 has the edge over CNF on returns for 2026, with the stronger performance.