ONB
Old National Bancorp
ONB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ONB overall, supported by stronger modeled upside and stronger valuation.
ONB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ONB'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 ONB.
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.
ONB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $22.15 | -11% |
| Forward | 9.2x | $24.94 | — |
| Current | 10x | $24.94 | — |
| Fair | 12x | $28.68 | +15% |
| Expensive | 14x | $34.10 | +37% |
Historical ranges are pointers, not guarantees.
ONB's PE is in its cheap range at 10x. If earnings grow as analysts expect, today's price would be 9.2x next year's earnings.
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 ONB in the historical PE scenario, which offers more potential upside but is not a forecast.
ONB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect ONB's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ONB on the outlook, with more favorable revenue expectations.
ONB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +11% |
| Q3 2026 | $2.45 | +43% |
| Q2 2026 | $2.25 | +33% |
| Q1 2026 | $1.94 | +13% |
| Q4 2025 | $1.79 | +6.5% |
| Q3 2025 | $1.71 | +3.6% |
| Q2 2025 | $1.69 | -0.6% |
| Q1 2025 | $1.72 | -7% |
| Q4 2024 | $1.68 | -13% |
ONB earned $2.45 per share over the past year, up 43% 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.
ONB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $712.7M | +1.1% |
| Q2 2026 | $732.6M | +13% |
| Q1 2026 | $694.9M | +44% |
| Q4 2025 | $690.6M | +41% |
| Q3 2025 | $705.1M | +45% |
| Q2 2025 | $647.3M | +36% |
| Q1 2025 | $481.4M | +11% |
| Q4 2024 | $489.9M | +5.5% |
ONB's revenue has grown year over year for 10 quarters in a row: $713M last quarter, up 1.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +12 points |
| Q2 2026 | 44% | +20 points |
| Q1 2026 | 42% | +4.8 points |
| Q4 2025 | 39% | +1.3 points |
| Q3 2025 | 33% | -5.1 points |
| Q2 2025 | 24% | -8.8 points |
| Q1 2025 | 38% | +2.5 points |
| Q4 2024 | 38% | +1.7 points |
ONB 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 ONB on sales, with stronger typical year-over-year growth.
| 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.
ONB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $373.2M | +12% |
| Q2 2026 | $275.9M | +330% |
| Q1 2026 | $193.3M | +89% |
| Q4 2025 | $137.3M | -40% |
| Q3 2025 | $333.6M | +188% |
| Q2 2025 | $64.1M | -58% |
| Q1 2025 | $102.4M | +7% |
| Q4 2024 | $229M | +266% |
ONB 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.
ONB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -2.4M shares |
| 1 year | -2.5% | -9.6M shares |
| 3 years | +31% | +89.2M shares |
| 5 years | +130% | +215M shares |
| Available history | +124% | +211M shares |
ONB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $100.3M |
| Q2 2026 | $115.3M |
| Q1 2026 | $104.1M |
| Q4 2025 | $25.1M |
| Q3 2025 | $25.2M |
| Q2 2025 | $8M |
| Q1 2025 | $13.5M |
| Q4 2024 | $139,000 |
ONB spent $345M buying back its own shares over the past year, about seven 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 | — |
ONB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.8x | Elevated |
| Q2 2026 | 4.8x | High |
| Q1 2026 | 5.1x | High |
| Q4 2025 | 5.5x | High |
| Q3 2025 | 5.6x | High |
| Q2 2025 | 6.2x | High |
| Q1 2025 | 5.1x | High |
| Q4 2024 | 5.3x | High |
ONB's net debt is about 3.8 years of its operating earnings (EBITDA), down from 5.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ONB.
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 ONB on leverage, with a lower net debt burden relative to earnings.
ONB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.8 | Neutral |
| Stochastic | 28.1 | Neutral |
ONB's weekly RSI is 49 (neutral) and its Stochastic is 28 (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).
ONB PE vs Financial Services Sector
| Metric | ONB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 22% below |
| PE % | 28 | 63 | 35 pts below |
ONB 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.
ONB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $25.0 | 0.4% below |
| 20 week MA | $25.7 | 3.1% below |
| 50 week MA | $24.4 | 2.1% above |
| 100 week MA | $23.0 | 8.4% above |
| 200 week MA | $19.8 | 26% above |
ONB 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.
ONB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.3 | $16.6 | -9.3% |
| 2021 | $16.6 | $17.9 | +8.1% |
| 2022 | $17.9 | $17.8 | -0.7% |
| 2023 | $17.8 | $16.9 | -5% |
| 2024 | $16.9 | $21.8 | +29% |
| 2025 | $21.8 | $23.0 | +5.6% |
| 2026 YTD | $23.0 | $24.9 | +8.5% |
ONB 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.