HCI
HCI Group, Inc.
HCI has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over HCI overall, supported by stronger modeled upside.
HCI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HCI'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 HCI.
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.
HCI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 7.7x | $191 | — |
| Cheap | 8.8x | $217 | +14% |
| Forward | 9.3x | $191 | — |
| Fair | 15x | $382 | +100% |
| Expensive | 30x | $752 | +294% |
Historical ranges are pointers, not guarantees.
HCI's PE is in its cheap range at 7.7x. On analysts' estimates for next year's earnings, today's price would be 9.3x.
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 HCI in the historical PE scenario, which offers more potential upside but is not a forecast.
HCI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HCI's revenue to grow, but its profitability to weaken.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over HCI on the outlook, with more favorable valuation and earnings expectations.
HCI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.61 | -17% |
| Q3 2026 | $24.75 | +58% |
| Q2 2026 | $23.20 | +106% |
| Q1 2026 | $22.78 | +120% |
| Q4 2025 | $22.68 | +158% |
| Q3 2025 | $15.66 | +31% |
| Q2 2025 | $11.28 | -12% |
| Q1 2025 | $10.34 | +5.2% |
| Q4 2024 | $8.80 | +16% |
HCI 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.
HCI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $244.9M | +13% |
| Q2 2026 | $246.7M | +11% |
| Q1 2026 | $242.9M | +12% |
| Q4 2025 | $246.2M | +52% |
| Q3 2025 | $216.4M | +23% |
| Q2 2025 | $221.9M | +7.6% |
| Q1 2025 | $216.4M | +4.8% |
| Q4 2024 | $161.9M | -0.5% |
HCI's revenue has grown year over year for seven quarters in a row: $245M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +5.6 points |
| Q2 2026 | 45% | +2.5 points |
| Q1 2026 | 48% | +1.1 points |
| Q4 2025 | 58% | +55 points |
| Q3 2025 | 42% | +34 points |
| Q2 2025 | 43% | +5.7 points |
| Q1 2025 | 46% | +8.9 points |
| Q4 2024 | 3.6% | -30 points |
HCI 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 HCI 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.
HCI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $74.5M | +188% |
| Q2 2026 | $124.8M | -14% |
| Q1 2026 | $148.5M | -7.4% |
| Q4 2025 | $110.2M | +50% |
| Q3 2025 | $25.9M | -75% |
| Q2 2025 | $144.5M | +$174.6M |
| Q1 2025 | $160.3M | -11% |
| Q4 2024 | $73.6M | -52% |
HCI 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.
HCI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -95K shares |
| 1 year | -2.6% | -329K shares |
| 3 years | +42% | +3.7M shares |
HCI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.5M |
| Q2 2026 | $57M |
| Q1 2026 | $17.5M |
| Q4 2025 | $800,000 |
| Q3 2025 | $37,000 |
| Q2 2025 | $48,000 |
| Q1 2025 | $639,000 |
| Q4 2024 | — |
HCI spent $81M 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 | — |
HCI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.4x | Net Cash |
| Q2 2026 | -1.8x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -2.7x | Net Cash |
| Q3 2025 | -3.2x | Net Cash |
| Q2 2025 | -4.1x | Net Cash |
| Q1 2025 | -3.5x | Net Cash |
| Q4 2024 | -2.7x | Net Cash |
HCI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HCI.
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 HCI on leverage, with a lower net debt burden relative to earnings.
HCI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.5 | Neutral |
| Stochastic | 51.9 | Neutral |
HCI's weekly RSI is 55 (neutral) and its Stochastic is 52 (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).
HCI PE vs Financial Services Sector
| Metric | HCI | Sector median | Relative |
|---|---|---|---|
| PE | 7.7x | 13x | 41% below |
| PE % | 9 | 63 | 54 pts below |
HCI 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.
HCI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $191.0 | 0.1% below |
| 20 week MA | $186.4 | 2.4% above |
| 50 week MA | $173.3 | 10% above |
| 100 week MA | $162.9 | 17% above |
| 200 week MA | $122.1 | 56% above |
HCI 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.
HCI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $45.9 | $51.8 | +13% |
| 2021 | $51.8 | $87.5 | +69% |
| 2022 | $87.5 | $39.6 | -55% |
| 2023 | $39.6 | $87.4 | +121% |
| 2024 | $87.4 | $117.4 | +34% |
| 2025 | $117.4 | $192.1 | +64% |
| 2026 YTD | $192.1 | $190.8 | -0.6% |
HCI 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.