HWC
Hancock Whitney Corporation
HWC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HWC overall, supported by stronger fundamentals and stronger valuation.
HWC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HWC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HWC.
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.
HWC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $40.37 | -38% |
| Forward | 9.2x | $65.00 | — |
| Fair | 10x | $52.07 | -20% |
| Expensive | 13x | $64.92 | -0.1% |
| Current | 13x | $65.00 | — |
Historical ranges are pointers, not guarantees.
HWC's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 9.2x 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 HWC in the historical PE scenario, which offers more potential upside but is not a forecast.
HWC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HWC, 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.
HWC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.08 | +43% |
| Q3 2026 | $4.96 | -11% |
| Q2 2026 | $5.09 | -6.3% |
| Q1 2026 | $4.86 | -10% |
| Q4 2025 | $5.67 | +7.4% |
| Q3 2025 | $5.59 | +25% |
| Q2 2025 | $5.43 | +28% |
| Q1 2025 | $5.42 | +26% |
| Q4 2024 | $5.28 | +17% |
HWC earned $4.96 per share over the past year, down 11% from the year before.
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.
HWC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $420.1M | +8.9% |
| Q2 2026 | $401.4M | +6.9% |
| Q1 2026 | $292.6M | -20% |
| Q4 2025 | $389.3M | +6.7% |
| Q3 2025 | $385.7M | +4.9% |
| Q2 2025 | $375.5M | +4.4% |
| Q1 2025 | $364.7M | +3% |
| Q4 2024 | $364.8M | +18% |
HWC's revenue grew through 2024 and has held roughly level since: $420M last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | -7.8 points |
| Q2 2026 | 40% | +1.9 points |
| Q1 2026 | 20% | -21 points |
| Q4 2025 | 41% | -0.6 points |
| Q3 2025 | 42% | +2.1 points |
| Q2 2025 | 39% | -1.8 points |
| Q1 2025 | 41% | +3.2 points |
| Q4 2024 | 41% | +21 points |
HWC 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 HWC 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.
HWC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $255M | +65% |
| Q2 2026 | $150.4M | +23% |
| Q1 2026 | $108.4M | +8.2% |
| Q4 2025 | $145.9M | -23% |
| Q3 2025 | $155M | -2.3% |
| Q2 2025 | $122M | +18% |
| Q1 2025 | $100.2M | -39% |
| Q4 2024 | $188.8M | +104% |
HWC 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.
HWC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -873K shares |
| 1 year | -5.7% | -4.8M shares |
| 3 years | -6.7% | -5.8M shares |
| 5 years | -7.3% | -6.4M shares |
| Available history | -6.9% | -6M shares |
HWC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $82.4M |
| Q2 2026 | $46.5M |
| Q1 2026 | $94.6M |
| Q4 2025 | $146.6M |
| Q3 2025 | $40.1M |
| Q2 2025 | $39.4M |
| Q1 2025 | $20.7M |
| Q4 2024 | $7.9M |
HWC spent $370M buying back its own shares over the past year, about three 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 | — |
HWC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 2.1x | Moderate |
| Q1 2026 | 1.8x | Healthy |
| Q4 2025 | 1.0x | Healthy |
| Q3 2025 | 2.5x | Moderate |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.5x | Very low |
HWC's net debt is about 1.7 years of its operating earnings (EBITDA), down from 2.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HWC.
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 HWC on leverage, with a lower net debt burden relative to earnings.
HWC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.0 | Neutral |
| Stochastic | 31.9 | Neutral |
HWC's weekly RSI is 34 (neutral) and its Stochastic is 32 (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).
HWC PE vs Financial Services Sector
| Metric | HWC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.6% above |
| PE % | 83 | 63 | 20 pts above |
HWC 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.
HWC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $71.8 | 9.5% below |
| 20 week MA | $74.5 | 13% below |
| 50 week MA | $70.1 | 7.3% below |
| 100 week MA | $63.6 | 2.2% above |
| 200 week MA | $54.3 | 20% above |
HWC 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.
HWC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.8 | $34.2 | -22% |
| 2021 | $34.2 | $48.6 | +42% |
| 2022 | $48.6 | $48.5 | -0.3% |
| 2023 | $48.5 | $48.6 | +0.2% |
| 2024 | $48.6 | $54.9 | +13% |
| 2025 | $54.9 | $65.2 | +19% |
| 2026 YTD | $65.2 | $65.0 | -0.3% |
HWC 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.