FCNCA
First Citizens BancShares, Inc.
FCNCA has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FCNCA overall, supported by stronger valuation and stronger fundamentals.
FCNCA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FCNCA'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 FCNCA.
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.
FCNCA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.5x | $1,649 | -29% |
| Forward | 11x | $2,318 | — |
| Fair | 12x | $2,274 | -1.9% |
| Current | 12x | $2,318 | — |
| Expensive | 14x | $2,794 | +21% |
Historical ranges are pointers, not guarantees.
FCNCA's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 FCNCA in the historical PE scenario, which offers more potential upside but is not a forecast.
FCNCA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCNCA, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
FCNCA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $208.95 | +7.3% |
| Q3 2026 | $194.71 | +15% |
| Q2 2026 | $186.56 | +10% |
| Q1 2026 | $173.40 | -0.7% |
| Q4 2025 | $165.24 | -13% |
| Q3 2025 | $169.10 | -3.1% |
| Q2 2025 | $169.44 | -6.8% |
| Q1 2025 | $174.62 | -3.1% |
| Q4 2024 | $189.41 | -76% |
FCNCA's earnings per share have fallen from their peak: $194.71 over the past year, against $784.51 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 FCNCA on earnings, with more consistent year-over-year improvement.
FCNCA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.4B | 0% |
| Q2 2026 | $2.4B | +2.5% |
| Q1 2026 | $2.3B | +0.7% |
| Q4 2025 | $2.4B | +1.2% |
| Q3 2025 | $2.4B | -0.5% |
| Q2 2025 | $2.4B | -3.5% |
| Q1 2025 | $2.3B | -6% |
| Q4 2024 | $2.4B | -1.9% |
FCNCA's revenue fell from its 2023 peak and has held roughly level since: $2.4B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 33% | +2.2 points |
| Q2 2026 | 37% | +4.7 points |
| Q1 2026 | 30% | +2.2 points |
| Q4 2025 | 33% | +2.7 points |
| Q3 2025 | 31% | -4.8 points |
| Q2 2025 | 32% | -7.9 points |
| Q1 2025 | 28% | -13 points |
| Q4 2024 | 31% | +1.5 points |
FCNCA 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 FCNCA 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'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.
FCNCA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $689M | +1.6% |
| Q2 2026 | $941M | +28% |
| Q1 2026 | $31M | +$36M |
| Q4 2025 | $807M | -19% |
| Q3 2025 | $678M | -23% |
| Q2 2025 | $733M | +132% |
| Q1 2025 | -$5M | -101% |
| Q4 2024 | $991M | +43% |
FCNCA 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.
FCNCA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -285K shares |
| 1 year | -12% | -1.6M shares |
| 3 years | -23% | -3.3M shares |
| 5 years | +15% | +1.4M shares |
| Available history | +1% | +109K shares |
FCNCA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $600M |
| Q2 2026 | $606M |
| Q1 2026 | $899M |
| Q4 2025 | $900M |
| Q3 2025 | $896M |
| Q2 2025 | $613M |
| Q1 2025 | $618M |
| Q4 2024 | $948M |
FCNCA spent $3B buying back its own shares over the past year, down 2.3% 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 | — |
FCNCA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.1x | High |
| Q2 2026 | 8.3x | High |
| Q1 2026 | 9.4x | High |
| Q4 2025 | 10.4x | High |
| Q3 2025 | 11.6x | High |
| Q2 2025 | 11.1x | High |
| Q1 2025 | 10.8x | High |
| Q4 2024 | 9.7x | High |
FCNCA's net debt is about 6.1 years of its operating earnings (EBITDA), down from 12 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FCNCA.
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 FCNCA on leverage, with a lower net debt burden relative to earnings.
FCNCA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 72.5 | Neutral |
FCNCA's weekly RSI is 62 (neutral) and its Stochastic is 73 (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).
FCNCA PE vs Financial Services Sector
| Metric | FCNCA | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.6% below |
| PE % | 54 | 63 | 9 pts below |
FCNCA 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.
FCNCA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2,209.5 | 4.9% above |
| 20 week MA | $2,185.1 | 6.1% above |
| 50 week MA | $2,081.5 | 11% above |
| 100 week MA | $2,003.1 | 16% above |
| 200 week MA | $1,746.4 | 33% above |
FCNCA 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.
FCNCA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $530.5 | $593.1 | +12% |
| 2021 | $593.1 | $864.4 | +46% |
| 2022 | $864.4 | $751.1 | -13% |
| 2023 | $751.1 | $1,419.0 | +89% |
| 2024 | $1,419.0 | $2,132.4 | +50% |
| 2025 | $2,132.4 | $2,180.5 | +2.3% |
| 2026 YTD | $2,180.5 | $2,317.9 | +6.3% |
FCNCA 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.