FGN
F&G Annuities & Life, Inc.
FGN has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FGN overall, supported by stronger fundamentals.
FGN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
FGN's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like FGN.
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.
FGN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 2.9x | $21.86 | — |
| Forward | 3.6x | $21.86 | — |
| Cheap | 6.4x | $49.03 | +124% |
| Fair | 7.6x | $57.60 | +164% |
| Expensive | 11x | $81.59 | +273% |
Historical ranges are pointers, not guarantees.
FGN has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
FGN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect FGN's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FGN on the outlook, with more favorable valuation and revenue expectations.
FGN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.14 | -19% |
| Q3 2026 | $7.61 | +121% |
| Q2 2026 | $2.98 | +19% |
| Q1 2026 | $3.86 | +1.6% |
| Q4 2025 | $1.88 | -61% |
| Q3 2025 | $3.44 | +$3.49 |
| Q2 2025 | $2.51 | +1.2% |
| Q1 2025 | $3.80 | +93% |
| Q4 2024 | $4.88 | +$5.35 |
FGN 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.
FGN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | -33% |
| Q2 2026 | $1.4B | +4.2% |
| Q1 2026 | $1.2B | +31% |
| Q4 2025 | $1.8B | +13% |
| Q3 2025 | $1.7B | +17% |
| Q2 2025 | $1.4B | +16% |
| Q1 2025 | $908M | -42% |
| Q4 2024 | $1.6B | -3.3% |
FGN's revenue has held roughly level: $1.1B last quarter, down 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2022 | 93% | -5.1 points |
| Q3 2022 | 25% | -72 points |
| Q2 2022 | 55% | -40 points |
| Q1 2022 | 96% | +0.6 points |
| Q4 2021 | 98% | N/A |
| Q3 2021 | 97% | +47 points |
| Q2 2021 | 95% | +81 points |
| Q1 2021 | 95% | +82 points |
FGN's operating margin was 93% last quarter, down 5.1 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 FGN 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.
FGN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $982M | +4.8% |
| Q2 2026 | $1.5B | -8.2% |
| Q1 2026 | $743M | -22% |
| Q4 2025 | $1.2B | -12% |
| Q3 2025 | $937M | -55% |
| Q2 2025 | $1.6B | +54% |
| Q1 2025 | $956M | -38% |
| Q4 2024 | $1.3B | -41% |
FGN 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.
FGN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.8% | +5M shares |
| 1 year | -2.9% | -4M shares |
| 3 years | +8% | +10M shares |
| 5 years | +29% | +30M shares |
| Available history | -39% | -84.7M shares |
FGN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $94M |
| Q1 2026 | $29M |
| Q4 2025 | $7M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $3M |
| Q4 2024 | $6M |
FGN spent $130M buying back its own shares over the past year, more than ten 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 | — |
FGN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2022 | 0.4x | Very low |
| Q4 2021 | -90.3x | Net Cash |
| Q3 2019 | -7.9x | Net Cash |
| Q2 2019 | -5.9x | Net Cash |
| Q1 2019 | -19.9x | Net Cash |
FGN's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like FGN.
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.
FGN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 27.3 | Oversold |
| Stochastic | 9.6 | Oversold |
FGN's weekly RSI is 27 (oversold) and its Stochastic is 10 (oversold).
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).
FGN PE vs Financial Services Sector
| Metric | FGN | Sector median | Relative |
|---|---|---|---|
| PE | 2.9x | 13x | 78% below |
| PE % | 0 | 38 | 38 pts below |
FGN 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.
FGN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.0 | 4.7% below |
| 20 week MA | $24.0 | 8.8% below |
| 50 week MA | $24.7 | 11% below |
| 100 week MA | $25.5 | 14% below |
SOFI has stronger trend alignment. FGN is above 0 of 4 weekly averages versus SOFI above 1 of 5.
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.
FGN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $25.9 | $25.8 | -0.3% |
| 2024 | $25.8 | $26.5 | +2.5% |
| 2025 | $26.5 | $25.5 | -3.7% |
| 2026 YTD | $25.5 | $21.9 | -14% |
FGN 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.