PNFP
Pinnacle Financial Partners, Inc.
There isn't enough reported data to score PNFP yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
PNFP Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PNFP's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PNFP.
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.
PNFP PE Valuation
PNFP has no meaningful PE right now: it lost money over the past year.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
PNFP Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Moderate | |
| High |
Analysts expect earnings and revenue growth for PNFP, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PNFP on the outlook, with more favorable profitability expectations.
PNFP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.30 | +44% |
| Q3 2025 | $7.85 | +49% |
| Q2 2025 | $7.52 | +48% |
| Q1 2025 | $6.16 | -12% |
| Q4 2024 | $5.96 | -17% |
| Q3 2024 | $5.26 | -32% |
| Q2 2024 | $5.09 | -36% |
| Q1 2024 | $6.99 | -4.1% |
| Q4 2023 | $7.18 | 0% |
PNFP has the stronger earnings trend. Trailing diluted EPS is up 49% for PNFP versus SOFI flat.
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.
PNFP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.3B | +141% |
| Q2 2026 | $1.2B | +138% |
| Q1 2026 | $1.2B | +163% |
| Q3 2025 | $544.8M | +17% |
| Q2 2025 | $505M | +38% |
| Q1 2025 | $462.9M | +8.1% |
| Q4 2024 | $475.3M | +20% |
| Q3 2024 | $466.7M | +14% |
PNFP has the stronger quarterly revenue trend. Revenue is up 160% for PNFP versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | -2.1 points |
| Q2 2026 | 35% | -3.6 points |
| Q1 2026 | 16% | -21 points |
| Q3 2025 | 39% | -0.3 points |
| Q2 2025 | 38% | +21 points |
| Q1 2025 | 37% | +1.5 points |
| Q4 2024 | 39% | +6.1 points |
| Q3 2024 | 39% | -2.4 points |
PNFP 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
PNFP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $365M | -2.8% |
| Q2 2026 | $67M | -73% |
| Q1 2026 | $911M | +$954M |
| Q3 2025 | $375.4M | +291% |
| Q2 2025 | $244.6M | +316% |
| Q1 2025 | -$43M | -124% |
| Q4 2024 | $475M | +423% |
| Q3 2024 | $96M | -9.9% |
PNFP has the stronger cash trend. Its trailing FCF is up 167% versus its history, compared with SOFI at down 107%.
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.
PNFP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +250K shares |
| 1 year | +96% | +74.4M shares |
| 3 years | +99% | +75.6M shares |
| 5 years | +100% | +75.9M shares |
| Available history | +98% | +75M shares |
PNFP has 152M diluted shares, up 96% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $50.8M |
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 the edge over PNFP on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
PNFP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | 2.2x | Moderate |
| Q2 2025 | 2.2x | Moderate |
| Q1 2025 | 2.8x | Moderate |
| Q4 2024 | 2.9x | Moderate |
| Q3 2024 | 3.8x | Elevated |
| Q2 2024 | 4.0x | High |
| Q1 2024 | 3.2x | Elevated |
| Q4 2023 | 3.1x | Elevated |
PNFP's net debt is about 2.2 years of its operating earnings (EBITDA), down from 3.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PNFP.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
PNFP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.3 | Neutral |
| Stochastic | 49.9 | Neutral |
PNFP's weekly RSI is 51 (neutral) and its Stochastic is 50 (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).
PNFP PE vs Financial Services Sector
| Metric | PNFP | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PNFP has no meaningful PE right now: it lost money over the past year.
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.
PNFP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.7 | 1.6% above |
| 20 week MA | $100.2 | 0.9% below |
| 50 week MA | $97.2 | 2.2% above |
| 100 week MA | $100.0 | 0.7% below |
| 200 week MA | $89.3 | 11% above |
PNFP 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.
PNFP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $63.8 | $65.3 | +2.3% |
| 2021 | $65.3 | $93.9 | +44% |
| 2022 | $93.9 | $73.6 | -22% |
| 2023 | $73.6 | $87.2 | +19% |
| 2024 | $87.2 | $114.2 | +31% |
| 2025 | $114.2 | $100.8 | -12% |
| 2026 YTD | $100.8 | $99.3 | -1.5% |
PNFP 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.