Seek Returns logo

CINF vs. SOFI: A Head-to-Head Stock Comparison

Updated on

Here’s a clear look at CINF and SOFI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolCINFSOFI
Company NameCincinnati Financial CorporationSoFi Technologies, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceConsumer Finance
Market Capitalization24.99 billion USD33.50 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateMarch 17, 1980January 4, 2021
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CINF and SOFI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CINF vs. SOFI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCINFSOFI
5-Day Price Return2.32%-7.10%
13-Week Price Return6.16%45.09%
26-Week Price Return7.93%102.14%
52-Week Price Return16.56%232.33%
Month-to-Date Return2.93%3.45%
Year-to-Date Return10.02%71.56%
10-Day Avg. Volume0.44M61.88M
3-Month Avg. Volume0.52M69.31M
3-Month Volatility20.77%46.59%
Beta0.721.97

Profitability

Return on Equity (TTM)

CINF

13.06%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

CINF’s Return on Equity of 13.06% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

SOFI

8.58%

Consumer Finance Industry

Max
32.87%
Q3
21.72%
Median
12.80%
Q1
9.07%
Min
-3.88%

SOFI’s Return on Equity of 8.58% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CINF vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

CINF

15.59%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

A Net Profit Margin of 15.59% places CINF in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

SOFI

-19.79%

Consumer Finance Industry

Max
19.68%
Q3
17.11%
Median
13.55%
Q1
9.71%
Min
-0.75%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

CINF vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

CINF

19.70%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

SOFI

-19.92%

Consumer Finance Industry

Max
50.11%
Q3
32.02%
Median
19.92%
Q1
14.90%
Min
-5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

CINF vs. SOFI: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolCINFSOFI
Return on Equity (TTM)13.06%8.58%
Return on Assets (TTM)4.87%1.50%
Net Profit Margin (TTM)15.59%-19.79%
Operating Profit Margin (TTM)19.70%-19.92%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CINF

1.87

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SOFI

--

Consumer Finance Industry

Max
7.85
Q3
4.26
Median
2.28
Q1
0.82
Min
0.07

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CINF vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CINF

0.06

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

SOFI

0.57

Consumer Finance Industry

Max
6.63
Q3
3.60
Median
2.40
Q1
0.99
Min
0.23

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

CINF vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

CINF

54.92

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

SOFI

--

Consumer Finance Industry

Max
49.63
Q3
28.11
Median
4.75
Q1
2.86
Min
-15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

CINF vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolCINFSOFI
Current Ratio (MRQ)1.87--
Quick Ratio (MRQ)1.87--
Debt-to-Equity Ratio (MRQ)0.060.57
Interest Coverage Ratio (TTM)54.92--

Growth

Revenue Growth

CINF vs. SOFI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CINF vs. SOFI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CINF

2.03%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

CINF’s Dividend Yield of 2.03% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

SOFI

0.00%

Consumer Finance Industry

Max
7.21%
Q3
3.38%
Median
2.39%
Q1
0.67%
Min
0.00%

SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

CINF vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

CINF

20.00%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

CINF’s Dividend Payout Ratio of 20.00% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SOFI

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.89%
Median
25.97%
Q1
9.25%
Min
0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

CINF vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolCINFSOFI
Dividend Yield (TTM)2.03%0.00%
Dividend Payout Ratio (TTM)20.00%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

CINF

13.73

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

CINF’s P/E Ratio of 13.73 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SOFI

54.37

Consumer Finance Industry

Max
35.93
Q3
20.63
Median
12.65
Q1
9.73
Min
3.96

At 54.37, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

CINF vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

CINF

2.14

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

CINF’s P/S Ratio of 2.14 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

SOFI

3.35

Consumer Finance Industry

Max
3.79
Q3
2.71
Median
1.91
Q1
1.14
Min
0.61

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CINF vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

CINF

1.63

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

CINF’s P/B Ratio of 1.63 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SOFI

2.93

Consumer Finance Industry

Max
3.80
Q3
2.83
Median
2.02
Q1
1.18
Min
0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CINF vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolCINFSOFI
Price-to-Earnings Ratio (TTM)13.7354.37
Price-to-Sales Ratio (TTM)2.143.35
Price-to-Book Ratio (MRQ)1.632.93
Price-to-Free Cash Flow Ratio (TTM)9.6643.37