HIG
The Hartford Financial Services Group, Inc.
HIG has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HIG overall, supported by stronger modeled upside and stronger fundamentals.
HIG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIG'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 HIG.
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.
HIG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 8.3x | $137 | — |
| Cheap | 9.2x | $152 | +11% |
| Forward | 10x | $137 | — |
| Fair | 11x | $187 | +37% |
| Expensive | 13x | $208 | +52% |
Historical ranges are pointers, not guarantees.
HIG's PE is in its cheap range at 8.3x. On analysts' estimates for next year's earnings, today's price would be 10x.
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 HIG in the historical PE scenario, which offers more potential upside but is not a forecast.
HIG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Moderate | |
| Moderate |
Analysts expect HIG'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 HIG on the outlook, with more favorable valuation and earnings expectations.
HIG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.28 | -20% |
| Q3 2026 | $16.50 | +35% |
| Q2 2026 | $15.45 | +40% |
| Q1 2026 | $14.21 | +42% |
| Q4 2025 | $13.32 | +29% |
| Q3 2025 | $12.24 | +23% |
| Q2 2025 | $11.03 | +16% |
| Q1 2025 | $10.03 | +14% |
| Q4 2024 | $10.35 | +30% |
HIG 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.
HIG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.2B | -0.2% |
| Q2 2026 | $7.3B | +4% |
| Q1 2026 | $7.2B | +6.1% |
| Q4 2025 | $7.3B | +6.7% |
| Q3 2025 | $7.2B | +7.1% |
| Q2 2025 | $7B | +7.7% |
| Q1 2025 | $6.8B | +6.1% |
| Q4 2024 | $6.9B | +7.5% |
HIG's revenue is growing: $7.2B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 22% | +3.7 points |
| Q2 2026 | 17% | -0.9 points |
| Q1 2026 | 15% | +3.1 points |
| Q4 2025 | 19% | +3.6 points |
| Q3 2025 | 18% | +4.1 points |
| Q2 2025 | 18% | +3.8 points |
| Q1 2025 | 12% | -2.7 points |
| Q4 2024 | 16% | +0.8 points |
HIG's operating margin was 22% last quarter, up 3.7 points from the same quarter a year ago, near the top of its range since 2019.
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 HIG 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 has the edge over HIG on profitability, with a higher operating margin.
HIG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $1.3B | +4.2% |
| Q1 2026 | $1B | +7.1% |
| Q4 2025 | $1.8B | -7.3% |
| Q3 2025 | $1.8B | +11% |
| Q2 2025 | $1.3B | +4.3% |
| Q1 2025 | $947M | -9.6% |
| Q4 2024 | $1.9B | +22% |
| Q3 2024 | $1.6B | -5.9% |
HIG 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.
HIG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.2M shares |
| 1 year | -4.2% | -11.9M shares |
| 3 years | -12% | -35.9M shares |
| 5 years | -22% | -77.6M shares |
| Available history | -25% | -91.8M shares |
HIG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $475M |
| Q2 2026 | $466M |
| Q1 2026 | $450M |
| Q4 2025 | $400M |
| Q3 2025 | $400M |
| Q2 2025 | $415M |
| Q1 2025 | $400M |
| Q4 2024 | $414M |
HIG spent $1.8B buying back its own shares over the past year, up 9.9% 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 | — |
HIG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 0.9x | Very low |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | 1.1x | Healthy |
| Q4 2024 | 1.0x | Very low |
HIG'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 HIG.
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 HIG on leverage, with a lower net debt burden relative to earnings.
HIG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.1 | Neutral |
| Stochastic | 57.9 | Neutral |
HIG's weekly RSI is 53 (neutral) and its Stochastic is 58 (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).
HIG PE vs Financial Services Sector
| Metric | HIG | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 8 | 63 | 55 pts below |
HIG 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.
HIG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $131.8 | 3.8% above |
| 20 week MA | $135.8 | 0.8% above |
| 50 week MA | $135.3 | 1.2% above |
| 100 week MA | $129.3 | 5.9% above |
| 200 week MA | $109.0 | 26% above |
HIG 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.
HIG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $60.6 | $48.4 | -20% |
| 2021 | $48.4 | $68.3 | +41% |
| 2022 | $68.3 | $76.1 | +12% |
| 2023 | $76.1 | $80.4 | +5.6% |
| 2024 | $80.4 | $110.1 | +37% |
| 2025 | $110.1 | $138.7 | +26% |
| 2026 YTD | $138.7 | $136.9 | -1.3% |
HIG 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.