AHRT

AH Realty Trust, Inc.

There isn't enough reported data to score AHRT yet.

SOFI

SoFi Technologies, Inc.

70
Fundamentals75/ 100
Valuation71/ 100
Upside potential80/ 100
Risk potential20/ 100

SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.

AHRT Fundamentals

MetricStatus
Weak
Stable
N/A
N/A

AHRT's profitability is currently stable, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like AHRT.

SOFI Fundamentals

MetricStatus
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.

AHRT PE Valuation

AHRT has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 106x next year's earnings.

SOFI PE Valuation

CHEAPFAIREXPENSIVE39x78x116x155x
CHEAPFAIREXPENSIVE39x78x116x155x
LevelPEPriceVs current
Forward19x$15.63—
Current28x$15.63—
Cheap33x$18.24+17%
Fair43x$23.82+52%
Expensive53x$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.

AHRT Forward outlook

MetricOutlook
--
Returning to profit
Decline
Strongly improving
Limited
High

Analysts expect AHRT to return to profit, with revenue declining.

SOFI Forward outlook

MetricOutlook
Strongly improving
Strong growth
Strong growth
Strongly improving
Limited
Moderate

SOFI has the edge over AHRT on the outlook, with more favorable revenue expectations.

AHRT Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $6.34 on Nov 12.

There is not enough scenario data to compare AHRT and SOFI's risk to reward.

SOFI Risk to reward

ScenarioChangePrice
Upside+79%$27.97
Downside-20%$12.51

Calculated from the latest close: $15.63 on Nov 12.

There is not enough scenario data to compare AHRT and SOFI's risk to reward.

AHRT Earnings Per Share

Q4 2023: $-0.05Q1 2024: $0.09Q2 2024: $-0.04Q3 2024: $-0.21Q4 2024: $0.34Q1 2025: $0.10Q2 2025: $0.14Q3 2026: $-0.66Forward: $0.06
Q4 2023: $-0.05Q1 2024: $0.09Q2 2024: $-0.04Q3 2024: $-0.21Q4 2024: $0.34Q1 2025: $0.10Q2 2025: $0.14Q3 2026: $-0.66Forward: $0.06
QuarterTTM EPSYoY
Forward$0.06—
Q2 2025$0.14+$0.18
Q1 2025$0.10+11%
Q4 2024$0.34+$0.39
Q3 2024-$0.21-158%
Q2 2024-$0.04-106%
Q1 2024$0.09-90%
Q4 2023-$0.05-105%

SOFI has the stronger earnings trend. Trailing diluted EPS is down 414% for AHRT versus SOFI flat.

SOFI Earnings Per Share

Q4 2023: $-0.36Q1 2024: $-0.29Q2 2024: $-0.22Q3 2024: $0.12Q4 2024: $0.39Q1 2025: $0.43Q2 2025: $0.50Q3 2025: $0.56Q4 2025: $0.39Q1 2026: $0.45Q2 2026: $0.49Q3 2026: $0.56Forward: $0.82
Q4 2023: $-0.36Q1 2024: $-0.29Q2 2024: $-0.22Q3 2024: $0.12Q4 2024: $0.39Q1 2025: $0.43Q2 2025: $0.50Q3 2025: $0.56Q4 2025: $0.39Q1 2026: $0.45Q2 2026: $0.49Q3 2026: $0.56Forward: $0.82
QuarterTTM EPSYoY
Forward$0.82+47%
Q3 2026$0.560%
Q2 2026$0.49-2%
Q1 2026$0.45+4.7%
Q4 2025$0.390%
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.

AHRT Quarterly Revenue

Q4 2023: $191MQ1 2024: $193MQ2 2024: $185MQ3 2024: $188MQ4 2024: $143MQ1 2025: $115MQ2 2025: $101MQ3 2025: $96MQ4 2025: $76MQ1 2026: $52MQ2 2026: $53MQ3 2026: $52M
Q4 2023: $191MQ1 2024: $193MQ2 2024: $185MQ3 2024: $188MQ4 2024: $143MQ1 2025: $115MQ2 2025: $101MQ3 2025: $96MQ4 2025: $76MQ1 2026: $52MQ2 2026: $53MQ3 2026: $52M
QuarterRevenueYoY
Q3 2026$52.3M-46%
Q2 2026$52.5M-48%
Q1 2026$52.3M-54%
Q4 2025$75.6M-47%
Q3 2025$96.1M-49%
Q2 2025$101.3M-45%
Q1 2025$114.6M-41%
Q4 2024$142.6M-25%

AHRT's revenue has slid since its 2024 peak: $52M last quarter, down 46% from the same quarter a year ago.

SOFI Quarterly Revenue

Q4 2023: $615MQ1 2024: $645MQ2 2024: $599MQ3 2024: $697MQ4 2024: $734MQ1 2025: $772MQ2 2025: $855MQ3 2025: $962MQ4 2025: $1BQ1 2026: $1.1BQ2 2026: $1.2BQ3 2026: $1.4B
Q4 2023: $615MQ1 2024: $645MQ2 2024: $599MQ3 2024: $697MQ4 2024: $734MQ1 2025: $772MQ2 2025: $855MQ3 2025: $962MQ4 2025: $1BQ1 2026: $1.1BQ2 2026: $1.2BQ3 2026: $1.4B
QuarterRevenueYoY
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 has the edge over AHRT on sales, with more consistent year-over-year improvement.

AHRT Free Cash Flow

Q4 2023: $15MQ1 2024: $46MQ2 2024: $17MQ3 2024: $27MQ4 2024: $21MQ1 2025: $107,000Q2 2025: $11MQ3 2025: $26MQ4 2025: $27MQ1 2026: $12MQ2 2026: $29MQ3 2026: $19M
Q4 2023: $15MQ1 2024: $46MQ2 2024: $17MQ3 2024: $27MQ4 2024: $21MQ1 2025: $107,000Q2 2025: $11MQ3 2025: $26MQ4 2025: $27MQ1 2026: $12MQ2 2026: $29MQ3 2026: $19M
QuarterFree cash flowYoY
Q3 2026$19.3M-26%
Q2 2026$29.2M+163%
Q1 2026$12.5M+11561%
Q4 2025$26.7M+29%
Q3 2025$26.3M-3.8%
Q2 2025$11.1M-36%
Q1 2025$107K-100%
Q4 2024$20.8M+38%

AHRT has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.

SOFI Free Cash Flow

Q4 2023: −$282MQ1 2024: $706MQ2 2024: −$521MQ3 2024: −$1.2BQ4 2024: −$242MQ1 2025: −$31MQ2 2025: −$1.5BQ3 2025: −$1.4BQ4 2025: −$1.1BQ1 2026: −$2.4BQ2 2026: −$4BQ3 2026: −$3.1B
Q4 2023: −$282MQ1 2024: $706MQ2 2024: −$521MQ3 2024: −$1.2BQ4 2024: −$242MQ1 2025: −$31MQ2 2025: −$1.5BQ3 2025: −$1.4BQ4 2025: −$1.1BQ1 2026: −$2.4BQ2 2026: −$4BQ3 2026: −$3.1B
QuarterFree cash flowYoY
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.

AHRT Total Shares

Q4 2023: 68MQ1 2024: 67MQ2 2024: 67MQ3 2024: 69MQ4 2024: 71MQ1 2025: 80MQ2 2025: 80MQ3 2025: 80MQ4 2025: 80MQ1 2026: 80MQ2 2026: 75MQ3 2026: 74M
Q4 2023: 68MQ1 2024: 67MQ2 2024: 67MQ3 2024: 69MQ4 2024: 71MQ1 2025: 80MQ2 2025: 80MQ3 2025: 80MQ4 2025: 80MQ1 2026: 80MQ2 2026: 75MQ3 2026: 74M
PeriodChange %Net change
Quarterly-1.1%-792K shares
1 year-7.1%-5.7M shares
3 years+9.6%+6.6M shares
5 years+23%+14.1M shares
Available history+40%+21.4M shares

AHRT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.

SOFI Total Shares

Q4 2023: 945MQ1 2024: 1BQ2 2024: 1.1BQ3 2024: 1.1BQ4 2024: 1.1BQ1 2025: 1.2BQ2 2025: 1.2BQ3 2025: 1.3BQ4 2025: 1.3BQ1 2026: 1.4BQ2 2026: 1.4BQ3 2026: 1.4B
Q4 2023: 945MQ1 2024: 1BQ2 2024: 1.1BQ3 2024: 1.1BQ4 2024: 1.1BQ1 2025: 1.2BQ2 2025: 1.2BQ3 2025: 1.3BQ4 2025: 1.3BQ1 2026: 1.4BQ2 2026: 1.4BQ3 2026: 1.4B
PeriodChange %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 1.4B diluted shares, up 5.2% from a year ago.

AHRT Net Leverage

Q4 2023: 10.0xQ1 2024: 9.8xQ2 2024: 10.2xQ3 2024: 9.1xQ4 2024: 7.0xQ1 2025: 7.4xQ2 2025: 8.0xQ3 2025: 8.4xQ4 2025: 9.5xQ1 2026: 8.3xQ2 2026: 7.1xQ3 2026: 8.0x
Q4 2023: 10.0xQ1 2024: 9.8xQ2 2024: 10.2xQ3 2024: 9.1xQ4 2024: 7.0xQ1 2025: 7.4xQ2 2025: 8.0xQ3 2025: 8.4xQ4 2025: 9.5xQ1 2026: 8.3xQ2 2026: 7.1xQ3 2026: 8.0x
QuarterNet LeverageStatus
Q3 20268.0xHigh
Q2 20267.1xHigh
Q1 20268.3xHigh
Q4 20259.5xHigh
Q3 20258.4xHigh
Q2 20258.0xHigh
Q1 20257.4xHigh
Q4 20247.0xHigh

AHRT's net debt is about 8.0 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like AHRT.

SOFI Net Leverage

Q1 2024: -109.4xQ2 2024: -23.8xQ3 2024: -5.5xQ4 2024: -5.8xQ1 2025: -4.9xQ2 2025: -4.0xQ3 2025: -5.2xQ4 2025: -6.5xQ1 2026: -3.8xQ2 2026: -3.1xQ3 2026: -2.4x
Q1 2024: -109.4xQ2 2024: -23.8xQ3 2024: -5.5xQ4 2024: -5.8xQ1 2025: -4.9xQ2 2025: -4.0xQ3 2025: -5.2xQ4 2025: -6.5xQ1 2026: -3.8xQ2 2026: -3.1xQ3 2026: -2.4x
QuarterNet LeverageStatus
Q3 2026-2.4xNet Cash
Q2 2026-3.1xNet Cash
Q1 2026-3.8xNet Cash
Q4 2025-6.5xNet Cash
Q3 2025-5.2xNet Cash
Q2 2025-4.0xNet Cash
Q1 2025-4.9xNet Cash
Q4 2024-5.8xNet Cash

SOFI has the edge over AHRT on leverage, with a lower net debt burden relative to earnings.

AHRT Weekly Momentum

MetricValueStatus
RSI48.2Neutral
Stochastic37.0Neutral

AHRT's weekly RSI is 48 (neutral) and its Stochastic is 37 (neutral).

SOFI Weekly Momentum

MetricValueStatus
RSI43.1Neutral
Stochastic41.5Neutral

SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).

AHRT PE vs Financial Services Sector

MetricAHRTSector medianRelative
PEN/A13x—

AHRT has no meaningful PE right now: it lost money over the past year.

SOFI PE vs Financial Services Sector

MetricSOFISector medianRelative
PE28x13x114% above
PE %26159 pts below

SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.

AHRT Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$6.113.8% above
20 week MA$6.512.6% below
50 week MA$6.482.2% below
100 week MA$7.049.9% below
200 week MA$9.2531% below

AHRT has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 31% below its 200-week average.

SOFI Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$15.70.7% below
20 week MA$17.07.8% below
50 week MA$18.917% below
100 week MA$18.917% below
200 week MA$13.516% above

SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.

AHRT Yearly ROI

YearStart priceEnd priceROI
2020$18.2$11.1-39%
2021$11.1$15.1+36%
2022$15.1$11.7-23%
2023$11.7$12.4+5.8%
2024$12.4$10.1-19%
2025$10.1$6.61-34%
2026 YTD$6.61$6.34-4.1%

AHRT has the edge over SOFI on returns for 2026, with the stronger performance.

SOFI Yearly ROI

YearStart priceEnd priceROI
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.

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