Is CINF or SOFI cheaper?

On trailing earnings, CINF is cheaper: CINF trades at a 9.80 P/E and SOFI at 39.37.

Which has grown faster, CINF or SOFI?

Over the past five years, SOFI grew revenue faster — CINF at a 5.55% CAGR versus SOFI at 43.20%.

Does CINF or SOFI pay a bigger dividend?

CINF pays a dividend (2.07% yield) while SOFI does not currently pay one.

Is CINF or SOFI more profitable?

CINF runs the higher net margin — CINF at 21.34% versus SOFI at 11.22%.

Which has been the better investment, CINF or SOFI?

Over the past 5-year, CINF delivered the higher annualized total return — CINF at 12.44% versus SOFI at -5.16%. Past performance doesn't predict future results.

Cincinnati Financial Corporation (CINF) vs SoFi Technologies, Inc. (SOFI)

CINF leads on 10 of 12 compared metrics.

A side-by-side comparison of Cincinnati Financial Corporation and SoFi Technologies, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 18, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

CINF

Cincinnati Financial Corporation

$26.52B

$171.47Financial Services

SOFI

SoFi Technologies, Inc.

$22.35B

$17.42Financial Services

Total return — CINF vs SOFI

growth of $100 · last 6y

CINF +120.4%SOFI +66.2%CINF compounded faster

CINF SOFI

CINF vs SOFI: by the numbers

•CINF is the larger company ($26.52B vs $22.35B market cap).
•CINF trades at the lower earnings multiple (9.80 vs 39.37 P/E).
•CINF converts more revenue to profit (21.34% vs 11.22% net margin).
•SOFI grew revenue faster over the past five years (43.20% vs 5.55% CAGR).
•CINF pays a dividend (2.07% yield) while SOFI does not currently pay one.

Which is better, CINF or SOFI?

Metric tally: CINF 10 · SOFI 2

It depends on what you're optimizing for:

ValueCINF(lower P/E)

GrowthSOFI(faster 5Y revenue CAGR)

QualityCINF(higher ROIC)

Metrics side by side

Valuation

Metric	CINF	SOFI
P/E ratio	9.80●	39.37
Forward P/E	19.75●	29.19
P/S ratio	2.08●	4.67
P/B ratio	1.71●	2.22
PEG ratio	3.03	—

Profitability

Metric	CINF	SOFI
Gross margin	50.29%	76.02%●
Operating margin	26.68%●	12.56%
Net margin	21.34%●	11.22%
ROE	17.54%●	5.34%
ROIC	10.68%●	3.79%

Dividends

Metric	CINF	SOFI
Dividend yield	2.07%	—
Payout ratio	23.40%	—

Growth (annualized)

Metric	CINF	SOFI
Revenue CAGR (5Y)	5.55%	43.20%●
EPS CAGR (5Y)	15.01%●	-15.53%
Total return CAGR (5Y)	10.58%●	-5.16%

Frequently asked

Which is better, CINF or SOFI?: It depends on your goal. value: CINF (lower P/E); growth: SOFI (faster 5Y revenue CAGR); quality: CINF (higher ROIC). Across all compared metrics, CINF leads 10 to 2.
Is CINF or SOFI cheaper?: On trailing earnings, CINF is cheaper: CINF trades at a 9.80 P/E and SOFI at 39.37.
Which has grown faster, CINF or SOFI?: Over the past five years, SOFI grew revenue faster — CINF at a 5.55% CAGR versus SOFI at 43.20%.
Does CINF or SOFI pay a bigger dividend?: CINF pays a dividend (2.07% yield) while SOFI does not currently pay one.
Is CINF or SOFI more profitable?: CINF runs the higher net margin — CINF at 21.34% versus SOFI at 11.22%.
Which has been the better investment, CINF or SOFI?: Over the past 5-year, CINF delivered the higher annualized total return — CINF at 12.44% versus SOFI at -5.16%. Past performance doesn't predict future results.

Go deeper

Full CINF analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

Cincinnati Financial P/E ratio SoFi Technologies P/E ratio Cincinnati Financial dividend yield SoFi Technologies dividend yield Cincinnati Financial ROE SoFi Technologies ROE Cincinnati Financial operating margin SoFi Technologies operating margin Cincinnati Financial revenue growth SoFi Technologies revenue growth Cincinnati Financial free cash flow SoFi Technologies free cash flow

Cincinnati Financial & SoFi Technologies appear in these rankings

Highest Dividend Yield Stocks Dividend Aristocrats Fastest Revenue Growth Stocks Highest FCF Yield Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified June 18, 2026.