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AER vs SOFI
Which Stock Would AI Choose? AerCap Holdings (AER) vs. SoFi Technologies (SOFI) Stock Comparison
Key Takeaways
- AerCap Holdings (AER) offers a low trailing P/E ratio (price-to-earnings) of 6.44, suggesting relative value compared to SoFi Technologies (SOFI)'s elevated 47.08.
- SOFI has shown stronger year-to-date gains at 29.87%, outpacing AER's 4.35% amid fintech volatility.
- Both stocks report Q1 2026 earnings today, with AER highlighting 286 transactions and $3 billion in financing in recent market activity.
- AER's aircraft leasing model provides sector stability, while SOFI's fintech expansion drives growth but introduces higher risk exposure.
- Analyst price targets imply upside: 162 for AER (18% potential) and 23.48 for SOFI (28% potential).
Introduction
AerCap Holdings (AER) and SoFi Technologies (SOFI) represent distinct opportunities in the financial markets: AER in aircraft leasing and SOFI in fintech services. This comparison analyzes their recent performance, business models, and market positioning to aid investors and traders evaluating value versus growth plays. With both set for Q1 2026 earnings reports, the analysis highlights relative momentum, valuation metrics, and sector dynamics in the current environment. Traders seeking stability may lean toward AER, while growth-oriented investors eye SOFI's expansion.
AER Overview and Recent Performance
AerCap Holdings N.V. (AER) is a global leader in aircraft leasing, managing a portfolio of over 3,500 aircraft, engines, and helicopters. The company provides leasing, financing, and asset management services to airlines worldwide. In recent weeks, AER shares have experienced modest pullbacks, closing at 137.13 on April 28, within a 52-week range of 103.53-154.94. Year-to-date performance stands at 4.35%, supported by a one-year return of 32.82%. Key influences include robust Q1 activity with 286 transactions and $3 billion in financing, alongside the release of its 2025 Corporate Responsibility Report and Annual General Meeting approvals. Strong profitability (44% profit margin TTM) and a low P/E of 6.44 have bolstered sentiment, though aviation sector pressures like fuel costs temper gains. Analyst targets average 162, signaling optimism.
SOFI Overview and Recent Performance
SoFi Technologies, Inc. (SOFI) operates a digital financial services platform offering lending, technology, and banking products across personal loans, investing, and insurance. Headquartered in San Francisco, it serves millions through segments like Lending and Financial Services. Shares recently closed at 18.36, down amid volatility, within a 52-week range of 12.05-32.73. Year-to-date returns reach 29.87%, with a one-year gain of 39.09%, reflecting growth momentum despite recent corrections. Recent developments include launching a digital home equity line of credit (HELOC) product to broaden lending access. Q4 2025 revenue hit a record $1.01 billion, with EPS of $0.12 beating estimates. High P/E of 47.08 highlights growth expectations, though competitive pressures from entrants like X Money influence sentiment. Average analyst targets sit at 23.48.
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Head-to-Head Comparison
AerCap Holdings (AER) and SoFi Technologies (SOFI) diverge in business models: AER’s asset-heavy leasing generates stable cash flows from aviation demand recovery, contrasting SOFI’s asset-light fintech model fueled by user growth and fee-based revenue. Growth drivers differ—AER benefits from fleet expansions and financing deals, while SOFI leverages product diversification like HELOCs. Recent momentum favors SOFI on YTD returns, but AER exhibits greater stability with superior profit margins (44% vs. 13%). Risk factors include cyclical aviation exposure for AER and regulatory/competition pressures for SOFI. Sector-wise, industrials versus financial services shapes sentiment, with AER’s low valuation offering a trade-off against SOFI’s upside potential.
Tickeron AI Verdict
Tickeron’s AI currently favors AerCap Holdings (AER) over SoFi Technologies (SOFI) based on trend consistency, attractive valuation (P/E 6.44), and robust leasing activity signaling stability amid market rotations. While SOFI shows stronger short-term momentum and growth catalysts, its higher valuation and volatility reduce probabilistic edge in the near term. This positioning reflects observable factors like profitability and sector resilience rather than guarantees.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AER is a Buy and SOFI is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AER’s FA Score shows that 2 FA rating(s) are green whileSOFI’s FA Score has 1 green FA rating(s).
- AER’s FA Score: 2 green, 3 red.
- SOFI’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AER’s TA Score shows that 4 TA indicator(s) are bullish while SOFI’s TA Score has 4 bullish TA indicator(s).
- AER’s TA Score: 4 bullish, 5 bearish.
- SOFI’s TA Score: 4 bullish, 6 bearish.
Price Growth
AER (@Finance/Rental/Leasing) experienced а +3.79% price change this week, while SOFI (@Savings Banks) price change was -0.18% for the same time period.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.91%. For the same industry, the average monthly price growth was +12.17%, and the average quarterly price growth was +27.26%.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.37%. For the same industry, the average monthly price growth was +3.18%, and the average quarterly price growth was -4.22%.
Reported Earning Dates
AER is expected to report earnings on Aug 05, 2026.
SOFI is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Finance/Rental/Leasing (+0.91% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
@Savings Banks (-0.37% weekly)A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.
| AER | SOFI | AER / SOFI | |
| Capitalization | 23.2B | 21.9B | 106% |
| EBITDA | 5.5B | N/A | - |
| Gain YTD | 2.710 | -34.683 | -8% |
| P/E Ratio | 6.45 | 38.00 | 17% |
| Revenue | 8.68B | 3.94B | 220% |
| Total Cash | 1.48B | N/A | - |
| Total Debt | 43.1B | 1.92B | 2,251% |
AER | ||
|---|---|---|
OUTLOOK RATING 1..100 | 44 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 15 Undervalued | |
PROFIT vs RISK RATING 1..100 | 12 | |
SMR RATING 1..100 | 43 | |
PRICE GROWTH RATING 1..100 | 48 | |
P/E GROWTH RATING 1..100 | 86 | |
SEASONALITY SCORE 1..100 | 55 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
| AER | SOFI | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 58% |
| Stochastic ODDS (%) | 2 days ago 49% | 2 days ago 85% |
| Momentum ODDS (%) | 2 days ago 75% | 2 days ago 81% |
| MACD ODDS (%) | 2 days ago 70% | 2 days ago 81% |
| TrendWeek ODDS (%) | 2 days ago 70% | 2 days ago 83% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 84% |
| Advances ODDS (%) | 2 days ago 70% | 8 days ago 83% |
| Declines ODDS (%) | 22 days ago 55% | 14 days ago 82% |
| BollingerBands ODDS (%) | 2 days ago 52% | 2 days ago 80% |
| Aroon ODDS (%) | 2 days ago 56% | 2 days ago 86% |
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AER and
Correlation & Price change
A.I.dvisor indicates that over the last year, AER has been closely correlated with AXP. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if AER jumps, then AXP could also see price increases.
SOFI and
Correlation & Price change
A.I.dvisor indicates that over the last year, SOFI has been loosely correlated with UPST. These tickers have moved in lockstep 60% of the time. This A.I.-generated data suggests there is some statistical probability that if SOFI jumps, then UPST could also see price increases.
| Ticker / NAME | Correlation To SOFI | 1D Price Change % | ||
|---|---|---|---|---|
| SOFI | 100% | -4.52% | ||
| UPST - SOFI | 60% Loosely correlated | -3.42% | ||
| URI - SOFI | 60% Loosely correlated | +1.47% | ||
| LC - SOFI | 57% Loosely correlated | N/A | ||
| AFRM - SOFI | 57% Loosely correlated | -2.33% | ||
| AER - SOFI | 55% Loosely correlated | +1.23% | ||
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