CZFS
Citizens Financial Services, Inc.
CZFS trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CZFS overall, supported by stronger valuation and stronger modeled upside.
CZFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZFS'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 CZFS.
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.
CZFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $70.82 | -17% |
| Fair | 9.3x | $82.98 | -2.9% |
| Forward | 9.3x | $85.48 | — |
| Current | 9.6x | $85.48 | — |
| Expensive | 11x | $97.78 | +14% |
Historical ranges are pointers, not guarantees.
CZFS's PE is in its fair range at 9.6x. If earnings grow as analysts expect, today's price would be 9.3x 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 CZFS in the historical PE scenario, which offers more potential upside but is not a forecast.
CZFS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CZFS, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CZFS on the outlook, with more favorable valuation and profitability expectations.
CZFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.22 | +3.2% |
| Q3 2026 | $8.93 | +26% |
| Q2 2026 | $8.54 | +29% |
| Q1 2026 | $8.18 | +37% |
| Q4 2025 | $7.62 | +30% |
| Q3 2025 | $7.11 | +20% |
| Q2 2025 | $6.61 | +11% |
| Q1 2025 | $5.96 | +56% |
| Q4 2024 | $5.85 | +44% |
CZFS 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.
CZFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $31.6M | +8.9% |
| Q2 2026 | $29.7M | +8.8% |
| Q1 2026 | $29.8M | +13% |
| Q4 2025 | $29.6M | +13% |
| Q3 2025 | $29M | +16% |
| Q2 2025 | $27.3M | +11% |
| Q1 2025 | $26.4M | +1.9% |
| Q4 2024 | $26.2M | +3.4% |
CZFS's revenue has grown year over year for eight quarters in a row: $32M last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +3.4 points |
| Q2 2026 | 42% | +3.4 points |
| Q1 2026 | 43% | +7.1 points |
| Q4 2025 | 44% | +7.8 points |
| Q3 2025 | 43% | +5.8 points |
| Q2 2025 | 38% | +12 points |
| Q1 2025 | 35% | +2.7 points |
| Q4 2024 | 36% | 0 points |
CZFS 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 CZFS 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.
CZFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5M | +84% |
| Q2 2026 | -$376K | -107% |
| Q1 2026 | $17.9M | +73% |
| Q4 2025 | $16.7M | +66% |
| Q3 2025 | $2.7M | -51% |
| Q2 2025 | $5.5M | +90% |
| Q1 2025 | $10.4M | -22% |
| Q4 2024 | $10M | -37% |
CZFS 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.
CZFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +214 shares |
| 1 year | +0.1% | +4.4K shares |
| 3 years | +2.2% | +102K shares |
| 5 years | +22% | +853K shares |
| Available history | +36% | +1.3M shares |
CZFS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13,000 |
| Q2 2026 | $147,000 |
| Q1 2026 | $158,000 |
| Q4 2025 | $15,000 |
| Q3 2025 | $77,000 |
| Q2 2025 | $239,000 |
| Q1 2025 | $57,000 |
| Q4 2024 | $2,000 |
CZFS has spent almost nothing on buybacks in the past year.
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 | — |
CZFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
CZFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZFS.
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 CZFS on leverage, with a lower net debt burden relative to earnings.
CZFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.3 | Neutral |
| Stochastic | 74.7 | Neutral |
CZFS's weekly RSI is 67 (neutral) and its Stochastic is 75 (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).
CZFS PE vs Financial Services Sector
| Metric | CZFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 57 | 63 | 6 pts below |
CZFS 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.
CZFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $82.4 | 3.8% above |
| 20 week MA | $80.0 | 6.9% above |
| 50 week MA | $69.9 | 22% above |
| 100 week MA | $64.2 | 33% above |
| 200 week MA | $62.0 | 38% above |
CZFS 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.
CZFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $57.5 | $47.3 | -18% |
| 2021 | $47.3 | $58.0 | +22% |
| 2022 | $58.0 | $76.2 | +31% |
| 2023 | $76.2 | $63.4 | -17% |
| 2024 | $63.4 | $63.4 | -0.1% |
| 2025 | $63.4 | $58.1 | -8.3% |
| 2026 YTD | $58.1 | $85.5 | +47% |
CZFS 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.