EQH
Equitable Holdings, Inc.
EQH has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over EQH overall, supported by stronger valuation and stronger modeled upside.
EQH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
EQH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EQH.
SOFI Fundamentals
| Metric | Status |
|---|---|
| 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.
EQH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.3x | $22.16 | -60% |
| Forward | 6.5x | $55.63 | — |
| Fair | 9.7x | $50.28 | -9.6% |
| Current | 11x | $55.63 | — |
| Expensive | 17x | $87.41 | +57% |
Historical ranges are pointers, not guarantees.
EQH's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 6.5x next year's earnings, in its cheap range.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over EQH in the historical PE scenario, which offers more potential upside but is not a forecast.
EQH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect EQH's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over EQH on the outlook, with more favorable revenue expectations.
EQH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.49 | +63% |
| Q3 2026 | $5.20 | +$8.00 |
| Q2 2026 | -$3.32 | -377% |
| Q1 2026 | -$2.85 | -178% |
| Q4 2025 | -$4.83 | -228% |
| Q3 2025 | -$2.80 | -$1.81 |
| Q2 2025 | $1.20 | -52% |
| Q1 2025 | $3.64 | +9.3% |
| Q4 2024 | $3.78 | +8.6% |
EQH has returned to profit: it earned $5.20 per share over the past year, after losing money the year before.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI has the edge over EQH on earnings, with more consistent year-over-year improvement.
EQH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.9B | +168% |
| Q2 2026 | $1.7B | -30% |
| Q1 2026 | $4.2B | -7.6% |
| Q4 2025 | $3.3B | -9.5% |
| Q3 2025 | $1.5B | -53% |
| Q2 2025 | $2.4B | -33% |
| Q1 2025 | $4.6B | +105% |
| Q4 2024 | $3.6B | +67% |
EQH's revenue is recovering but still below its 2020 peak: $3.9B last quarter, up 168% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +129 points |
| Q2 2026 | -30% | -14 points |
| Q1 2026 | 21% | +17 points |
| Q4 2025 | 11% | -23 points |
| Q3 2025 | -93% | -93 points |
| Q2 2025 | -15% | -35 points |
| Q1 2025 | 3.8% | -7.3 points |
| Q4 2024 | 33% | +71 points |
EQH has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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 EQH on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
EQH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.6B | +342% |
| Q2 2026 | $643M | +89% |
| Q1 2026 | $499M | +216% |
| Q4 2025 | -$154M | -139% |
| Q3 2025 | $369M | -46% |
| Q2 2025 | $341M | -62% |
| Q1 2025 | $158M | +410% |
| Q4 2024 | $400M | +$792M |
EQH has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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.
EQH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -4.9M shares |
| 1 year | -7.7% | -22.8M shares |
| 3 years | -21% | -74.6M shares |
| 5 years | -34% | -141M shares |
| Available history | -45% | -220M shares |
EQH has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $238M |
| Q2 2026 | $366M |
| Q1 2026 | $147M |
| Q4 2025 | $277M |
| Q3 2025 | $676M |
| Q2 2025 | $235M |
| Q1 2025 | $262M |
| Q4 2024 | $260M |
EQH spent $1B buying back its own shares over the past year, down 28% from the year before.
SOFI Total Shares
| Period | Change % | 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.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
EQH Net Leverage
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
EQH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.6 | Neutral |
| Stochastic | 74.5 | Neutral |
EQH's weekly RSI is 66 (neutral) and its Stochastic is 75 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
EQH PE vs Financial Services Sector
| Metric | EQH | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 57 | 63 | 6 pts below |
EQH has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
EQH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $53.4 | 4.1% above |
| 20 week MA | $51.4 | 8.1% above |
| 50 week MA | $46.4 | 20% above |
| 100 week MA | $48.8 | 14% above |
| 200 week MA | $41.4 | 34% above |
EQH has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
EQH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.6 | $25.1 | +2% |
| 2021 | $25.1 | $33.0 | +31% |
| 2022 | $33.0 | $28.6 | -13% |
| 2023 | $28.6 | $33.3 | +16% |
| 2024 | $33.3 | $47.5 | +43% |
| 2025 | $47.5 | $48.6 | +2.3% |
| 2026 YTD | $48.6 | $55.6 | +15% |
EQH has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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.