AIG vs SoFi
This page compares AIG and SoFi, outlining each company’s business models, financial performance indicators, and the surrounding market context. It offers neutral, accessible information to help readers understand differences and similarities between the two organisations. Educational content, not financial advice.
This page compares AIG and SoFi, outlining each company’s business models, financial performance indicators, and the surrounding market context. It offers neutral, accessible information to help reade...
Why It's Moving
AIG Faces Leadership Shakeup as CEO Zaffino Steps Aside Amid Institutional Selling Pressure.
- CEO Peter Zaffino's planned exit to Executive Chair triggered a 7.5% stock plunge, underscoring market jitters over leadership stability during a critical transition.
- New strategic tie-up with CVC injects up to $1.5B in legacy private equity and $2B in credit mandates, aiming to sharpen capital efficiency and bolster returns.
- Federated Hermes sold off AIG shares this week, adding to downward pressure amid upcoming Q4 earnings on February 10 that could sway sentiment.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
AIG Faces Leadership Shakeup as CEO Zaffino Steps Aside Amid Institutional Selling Pressure.
- CEO Peter Zaffino's planned exit to Executive Chair triggered a 7.5% stock plunge, underscoring market jitters over leadership stability during a critical transition.
- New strategic tie-up with CVC injects up to $1.5B in legacy private equity and $2B in credit mandates, aiming to sharpen capital efficiency and bolster returns.
- Federated Hermes sold off AIG shares this week, adding to downward pressure amid upcoming Q4 earnings on February 10 that could sway sentiment.
Needham Slashes SoFi Price Target Amid Mixed Analyst Signals Post-Earnings Strength.
- Q4 revenue surged to $1.01B, smashing estimates by over $25M and up 39.6% year-over-year, underscoring robust demand for lending and tech platform services.
- Earnings hit $0.13 per share, beating expectations by $0.01, while adding 1 million members signals accelerating user adoption and profitability path.
- Analyst actions mixed: Needham cuts target to $33 but maintains Buy vibe, contrasting Hold consensus around $26 average for 2026.
Investment Analysis
AIG
AIG
Pros
- AIG reported a 77% increase in adjusted after-tax income per diluted share in Q3 2025, demonstrating strong earnings growth.
- The company showed underwriting income growth of 81% with improved combined ratios indicating enhanced operational efficiency.
- AIG executed strategic acquisitions and investments projected to be earnings and ROE accretive, strengthening its market position.
Considerations
- Return on equity, while improving, remains moderate at 5.0% reported and 13.6% core operating ROE in the recent quarter.
- The insurance industry exposure creates vulnerability to underwriting risks and natural disaster losses, which can impact results.
- AIG’s stock valuation is moderate with a forward P/E around 10.19, limiting potential upside from a valuation perspective.
SoFi
SOFI
Pros
- SoFi operates a diversified financial services platform including lending, digital banking, and investment services across multiple regions.
- The company benefits from technology platforms like Galileo and Technisys, facilitating growth via partnering with various financial institutions.
- SoFi offers innovative financial products such as cash management accounts and a credit card with cashback, enhancing customer engagement.
Considerations
- SoFi’s earnings per share remain relatively low at 0.54, reflecting ongoing investment and profitability challenges.
- The stock’s high price-to-sales ratio suggests the market may be pricing in significant growth that is uncertain.
- SoFi faces execution and regulatory risks typical for fintech companies operating in multiple jurisdictions with complex financial services.
Related Market Insights
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July 25, 2025
Related Market Insights
When Markets Panic, These Companies Profit
Discover anti-fragile companies that thrive on market chaos, turning volatility into profit. Hedge your portfolio with the Anti-Fragile Systems Neme on Nemo.
Aimee Silverwood | Financial Analyst
July 25, 2025
AIG (AIG) Next Earnings Date
AIG's next earnings date is estimated for Tuesday, February 10, 2026, after market close. This report will cover the fiscal fourth quarter of 2025 (ending December 2025), following the company's historical pattern of early-February releases for Q4 results. While not yet officially confirmed, this date aligns with consensus estimates from multiple analyst sources.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
AIG (AIG) Next Earnings Date
AIG's next earnings date is estimated for Tuesday, February 10, 2026, after market close. This report will cover the fiscal fourth quarter of 2025 (ending December 2025), following the company's historical pattern of early-February releases for Q4 results. While not yet officially confirmed, this date aligns with consensus estimates from multiple analyst sources.
SoFi (SOFI) Next Earnings Date
SoFi Technologies (SOFI) is expected to report its next earnings for Q1 2026 on or around May 4-5, 2026. This follows the company's recent Q4 2025 earnings release on January 30, 2026, aligning with its historical pattern of late April or early May announcements for the first quarter. Consensus estimates point to this timeframe based on analyst projections and prior reporting cycles.
Which Baskets Do They Appear In?
Anti-Fragile Systems
Companies that don't just survive market chaos—they thrive on it. These carefully selected stocks are designed to become more profitable during volatility, offering you a unique way to potentially benefit from uncertain times.
Published: June 17, 2025
Explore BasketWhich Baskets Do They Appear In?
Anti-Fragile Systems
Companies that don't just survive market chaos—they thrive on it. These carefully selected stocks are designed to become more profitable during volatility, offering you a unique way to potentially benefit from uncertain times.
Published: June 17, 2025
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