FNF
Fidelity National Financial, Inc.
FNF has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FNF overall, supported by stronger modeled upside and stronger fundamentals.
FNF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
FNF's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNF.
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.
FNF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.9x | $23.18 | -46% |
| Forward | 8.3x | $43.10 | — |
| Current | 11x | $43.10 | — |
| Fair | 14x | $56.61 | +31% |
| Expensive | 21x | $82.71 | +92% |
Historical ranges are pointers, not guarantees.
FNF's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 8.3x, 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 FNF in the historical PE scenario, which offers more potential upside but is not a forecast.
FNF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect FNF's earnings, revenue and profitability to hold roughly steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FNF on the outlook, with more favorable earnings and revenue expectations.
FNF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.18 | +32% |
| Q3 2026 | $3.91 | -5.8% |
| Q2 2026 | $2.82 | -26% |
| Q1 2026 | $2.73 | -30% |
| Q4 2025 | $2.12 | -53% |
| Q3 2025 | $4.15 | +57% |
| Q2 2025 | $3.80 | +18% |
| Q1 2025 | $3.90 | +33% |
| Q4 2024 | $4.48 | +143% |
FNF's earnings per share have fallen from their peak: $3.91 over the past year, against $8.70 in late 2021.
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 FNF on earnings, with more consistent year-over-year improvement.
FNF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.6B | -11% |
| Q2 2026 | $4.1B | +11% |
| Q1 2026 | $3.2B | +18% |
| Q4 2025 | $4.1B | +12% |
| Q3 2025 | $4B | +12% |
| Q2 2025 | $3.6B | +15% |
| Q1 2025 | $2.7B | -17% |
| Q4 2024 | $3.6B | +5.5% |
FNF's revenue is growing: $3.6B last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +24 points |
| Q2 2026 | 8.3% | -2.2 points |
| Q1 2026 | 15% | +11 points |
| Q4 2025 | 11% | -6.5 points |
| Q3 2025 | 11% | +2.6 points |
| Q2 2025 | 11% | -4 points |
| Q1 2025 | 4.1% | -6 points |
| Q4 2024 | 18% | +23 points |
FNF 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 FNF 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.
FNF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +8.4% |
| Q2 2026 | $1.9B | -1.3% |
| Q1 2026 | $875M | -22% |
| Q4 2025 | $1.5B | +0.7% |
| Q3 2025 | $1.3B | -45% |
| Q2 2025 | $1.9B | +39% |
| Q1 2025 | $1.1B | -30% |
| Q4 2024 | $1.5B | -34% |
FNF 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.
FNF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | -4.6% | -13M shares |
| 3 years | -5% | -14M shares |
| 5 years | -13% | -40.4M shares |
| Available history | -10% | -30.2M shares |
FNF has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6M |
| Q2 2026 | $60M |
| Q1 2026 | $78M |
| Q4 2025 | $30M |
| Q3 2025 | $43M |
| Q2 2025 | $154M |
| Q1 2025 | $24M |
| Q4 2024 | — |
FNF spent $174M buying back its own shares over the past year, down 21% 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 | — |
FNF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.4x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.7x | Very low |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | -0.0x | Net Cash |
| Q4 2024 | 0.3x | Very low |
FNF's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FNF.
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 FNF on leverage, with a lower net debt burden relative to earnings.
FNF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 33.1 | Neutral |
FNF's weekly RSI is 43 (neutral) and its Stochastic is 33 (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).
FNF PE vs Financial Services Sector
| Metric | FNF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 37 | 63 | 26 pts below |
FNF 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.
FNF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.9 | 5.3% above |
| 20 week MA | $45.4 | 5% below |
| 50 week MA | $48.8 | 12% below |
| 100 week MA | $53.6 | 20% below |
| 200 week MA | $50.3 | 14% below |
FNF has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 14% 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 fallen below most of its moving averages, though it's still 16% above its 200-week average.
FNF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.3 | $37.0 | -15% |
| 2021 | $37.0 | $48.9 | +32% |
| 2022 | $48.9 | $37.8 | -23% |
| 2023 | $37.8 | $51.0 | +35% |
| 2024 | $51.0 | $56.3 | +10% |
| 2025 | $56.3 | $54.9 | -2.5% |
| 2026 YTD | $54.9 | $43.1 | -21% |
FNF 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.