HG
Hamilton Insurance Group, Ltd.
HG's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HG overall, supported by stronger modeled upside and stronger valuation.
HG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
HG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HG.
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.
HG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $27.30 | -30% |
| Fair | 6.2x | $32.22 | -17% |
| Expensive | 6.8x | $35.17 | -9.2% |
| Current | 7.4x | $38.74 | — |
| Forward | 8.3x | $38.74 | — |
Historical ranges are pointers, not guarantees.
HG's PE is in its expensive range at 7.4x. On analysts' estimates for next year's earnings, today's price would be 8.3x.
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 HG in the historical PE scenario, which offers more potential upside but is not a forecast.
HG Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HG, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over HG on the outlook, with more favorable valuation and profitability expectations.
HG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.67 | -10% |
| Q3 2026 | $5.21 | +23% |
| Q2 2026 | $5.72 | +57% |
| Q1 2026 | $6.09 | +99% |
| Q4 2025 | $5.55 | +51% |
HG 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.
HG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $828M | +24% |
| Q2 2026 | $839.6M | +13% |
| Q1 2026 | $758.9M | -1.3% |
| Q4 2025 | $728.3M | +28% |
| Q3 2025 | $667.7M | +30% |
| Q2 2025 | $740.8M | +26% |
| Q1 2025 | $768.8M | +17% |
| Q4 2024 | $570.5M | +15% |
HG's revenue is growing: $828M last quarter, up 24% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +0.4 points |
| Q2 2026 | 31% | -5.9 points |
| Q1 2026 | 29% | +4.9 points |
| Q4 2025 | 26% | +13 points |
| Q3 2025 | 27% | +15 points |
| Q2 2025 | 37% | +2 points |
| Q1 2025 | 24% | -18 points |
| Q4 2024 | 13% | -7 points |
HG 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 HG 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.
HG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $267.2M | -9.6% |
| Q2 2026 | $125.3M | -43% |
| Q1 2026 | $100.8M | +189% |
| Q4 2025 | $293.4M | +3.3% |
| Q3 2025 | $295.6M | +84% |
| Q2 2025 | $218.4M | +40% |
| Q1 2025 | $34.9M | -78% |
| Q4 2024 | $284.1M | +701% |
HG 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.
HG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -178K shares |
| 1 year | -3.5% | -3.7M shares |
| 3 years | -8.3% | -9.1M shares |
HG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3.1M |
| Q2 2026 | $22.2M |
| Q1 2026 | $33.1M |
| Q4 2025 | $20.2M |
| Q3 2025 | $40.5M |
| Q2 2025 | $35M |
| Q1 2025 | $16.9M |
| Q4 2024 | $27M |
HG spent $79M buying back its own shares over the past year, down 34% 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 | — |
HG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.1x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.4x | Net Cash |
| Q1 2025 | -1.3x | Net Cash |
| Q4 2024 | -1.3x | Net Cash |
HG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HG.
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 HG on leverage, with a lower net debt burden relative to earnings.
HG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.3 | Neutral |
| Stochastic | 74.2 | Neutral |
HG's weekly RSI is 68 (neutral) and its Stochastic is 74 (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).
HG PE vs Financial Services Sector
| Metric | HG | Sector median | Relative |
|---|---|---|---|
| PE | 7.4x | 13x | 43% below |
| PE % | 100 | 40 | 60 pts above |
HG 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.
HG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.7 | 8.7% above |
| 20 week MA | $35.4 | 9.3% above |
| 50 week MA | $32.0 | 21% above |
| 100 week MA | $26.8 | 45% above |
HG has stronger trend alignment. HG is above 4 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.
HG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $15.2 | $15.0 | -1.6% |
| 2024 | $15.0 | $18.7 | +25% |
| 2025 | $18.7 | $28.2 | +51% |
| 2026 YTD | $28.2 | $38.7 | +37% |
HG 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.