ESQ
Esquire Financial Holdings, Inc.
ESQ has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ESQ overall, supported by stronger valuation and stronger fundamentals.
ESQ Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ESQ's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ESQ.
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.
ESQ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $60.68 | -54% |
| Fair | 14x | $83.73 | -36% |
| Forward | 15x | $132 | — |
| Expensive | 18x | $108 | -18% |
| Current | 22x | $132 | — |
Historical ranges are pointers, not guarantees.
ESQ's PE is in its expensive range at 22x. If earnings grow as analysts expect, today's price would be 15x next year's earnings, in its fair 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 ESQ in the historical PE scenario, which offers more potential upside but is not a forecast.
ESQ Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for ESQ, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ESQ on the outlook, with more favorable profitability expectations.
ESQ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.80 | +47% |
| Q3 2026 | $6.00 | +5.6% |
| Q2 2026 | $6.05 | +12% |
| Q1 2026 | $5.94 | +13% |
| Q4 2025 | $5.87 | +14% |
| Q3 2025 | $5.68 | +15% |
| Q2 2025 | $5.40 | +13% |
| Q1 2025 | $5.27 | +14% |
| Q4 2024 | $5.14 | +4.7% |
ESQ has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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 earned $0.56 per share over the past year, about the same as the year before.
ESQ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $61.4M | +63% |
| Q2 2026 | $42.1M | +18% |
| Q1 2026 | $40.5M | +20% |
| Q4 2025 | $39.4M | +19% |
| Q3 2025 | $37.6M | +18% |
| Q2 2025 | $35.8M | +17% |
| Q1 2025 | $33.8M | +15% |
| Q4 2024 | $33.1M | +14% |
ESQ's revenue has grown year over year for 10 quarters in a row: $61M last quarter, up 63% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -8 points |
| Q2 2026 | 43% | +0.5 points |
| Q1 2026 | 42% | -3.7 points |
| Q4 2025 | 44% | -3.2 points |
| Q3 2025 | 46% | -2.3 points |
| Q2 2025 | 43% | -4.4 points |
| Q1 2025 | 46% | -0.8 points |
| Q4 2024 | 47% | +0.6 points |
ESQ 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 ESQ on sales, with stronger typical year-over-year growth.
| 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.
ESQ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13M | -20% |
| Q2 2026 | $14.4M | +54% |
| Q1 2026 | $19.3M | +32% |
| Q4 2025 | $16.5M | +42% |
| Q3 2025 | $16.2M | +55% |
| Q2 2025 | $9.3M | +36% |
| Q1 2025 | $14.7M | +17% |
| Q4 2024 | $11.6M | -29% |
ESQ 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.
ESQ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +28% | +2.4M shares |
| 1 year | +28% | +2.5M shares |
| 3 years | +33% | +2.8M shares |
| 5 years | +40% | +3.2M shares |
| Available history | +43% | +3.4M shares |
ESQ has 11M diluted shares, up 28% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q1 2023 | $268,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | $82,000 |
| Q1 2020 | $485,000 |
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 the edge over ESQ on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ESQ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.8x | Net Cash |
| Q2 2026 | -3.4x | Net Cash |
| Q1 2026 | -3.2x | Net Cash |
| Q4 2025 | -3.5x | Net Cash |
| Q3 2025 | -3.7x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
ESQ has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
ESQ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.7 | Neutral |
| Stochastic | 75.2 | Neutral |
ESQ's weekly RSI is 64 (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).
ESQ PE vs Financial Services Sector
| Metric | ESQ | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 13x | 69% above |
| PE % | 100 | 63 | 37 pts above |
ESQ 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.
ESQ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $123.6 | 6.5% above |
| 20 week MA | $122.4 | 7.6% above |
| 50 week MA | $113.9 | 16% above |
| 100 week MA | $101.8 | 29% above |
| 200 week MA | $76.0 | 73% above |
ESQ 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.
ESQ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $19.3 | -28% |
| 2021 | $19.3 | $31.3 | +63% |
| 2022 | $31.3 | $42.8 | +37% |
| 2023 | $42.8 | $50.0 | +17% |
| 2024 | $50.0 | $78.8 | +58% |
| 2025 | $78.8 | $105.0 | +33% |
| 2026 YTD | $105.0 | $131.7 | +25% |
ESQ 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.