FNB
F.N.B. Corporation
FNB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FNB overall, supported by stronger valuation and stronger modeled upside.
FNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNB'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 FNB.
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.
FNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $13.76 | -24% |
| Forward | 9.7x | $18.10 | — |
| Fair | 11x | $18.38 | +1.6% |
| Current | 11x | $18.10 | — |
| Expensive | 12x | $21.08 | +16% |
Historical ranges are pointers, not guarantees.
FNB's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.7x next year's earnings, in its cheap 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 FNB in the historical PE scenario, which offers more potential upside but is not a forecast.
FNB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FNB, 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.
FNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.86 | +9.3% |
| Q3 2026 | $1.70 | +21% |
| Q2 2026 | $1.68 | +30% |
| Q1 2026 | $1.62 | +28% |
| Q4 2025 | $1.56 | +23% |
| Q3 2025 | $1.40 | +30% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.27 | +3.3% |
| Q4 2024 | $1.27 | -3.1% |
FNB 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.
FNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $469M | +2.6% |
| Q2 2026 | $463M | +5.5% |
| Q1 2026 | $450M | +9.5% |
| Q4 2025 | $458M | +23% |
| Q3 2025 | $457M | +11% |
| Q2 2025 | $439M | +8.7% |
| Q1 2025 | $411M | +1% |
| Q4 2024 | $373M | +10% |
FNB's revenue has grown year over year for nine quarters in a row: $469M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | -0.4 points |
| Q2 2026 | 41% | +2.8 points |
| Q1 2026 | 39% | +2.7 points |
| Q4 2025 | 36% | +8.7 points |
| Q3 2025 | 42% | +7.6 points |
| Q2 2025 | 38% | -1 points |
| Q1 2025 | 36% | -2.3 points |
| Q4 2024 | 27% | +9.9 points |
FNB 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 FNB 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.
FNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $250M | +68% |
| Q2 2026 | $241M | +184% |
| Q1 2026 | $133M | +209% |
| Q4 2025 | $99M | -64% |
| Q3 2025 | $149M | +$195M |
| Q2 2025 | $85M | +55% |
| Q1 2025 | $43M | -80% |
| Q4 2024 | $278M | +$315M |
FNB 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.
FNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -2.4M shares |
| 1 year | -1.9% | -6.7M shares |
| 3 years | -1.9% | -6.8M shares |
| 5 years | +9.9% | +32.1M shares |
| Available history | +8.9% | +28.9M shares |
FNB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $52M |
| Q2 2026 | $47M |
| Q1 2026 | $35M |
| Q4 2025 | $18M |
| Q3 2025 | $12M |
| Q2 2025 | $10M |
| Q1 2025 | $10M |
| Q4 2024 | — |
FNB spent $152M buying back its own shares over the past year, about five 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 | — |
FNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.8x | Moderate |
| Q2 2026 | 2.9x | Moderate |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 2.3x | Moderate |
| Q2 2025 | 3.4x | Elevated |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 3.0x | Moderate |
FNB's net debt is about 2.8 years of its operating earnings (EBITDA), up from 2.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FNB.
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 FNB on leverage, with a lower net debt burden relative to earnings.
FNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 45.2 | Neutral |
FNB's weekly RSI is 51 (neutral) and its Stochastic is 45 (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).
FNB PE vs Financial Services Sector
| Metric | FNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 44 | 63 | 19 pts below |
FNB 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.
FNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.7 | 2.3% above |
| 20 week MA | $18.3 | 1.3% below |
| 50 week MA | $17.8 | 1.5% above |
| 100 week MA | $16.4 | 11% above |
| 200 week MA | $14.7 | 23% above |
FNB 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.
FNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.6 | $9.41 | -25% |
| 2021 | $9.41 | $12.0 | +27% |
| 2022 | $12.0 | $12.9 | +7.5% |
| 2023 | $12.9 | $13.8 | +6.9% |
| 2024 | $13.8 | $14.7 | +7% |
| 2025 | $14.7 | $17.6 | +19% |
| 2026 YTD | $17.6 | $18.1 | +3.1% |
FNB 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.