MHNC
Maiden Holdings North America, Ltd.
There isn't enough reported data to score MHNC yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
MHNC Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
MHNC's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like MHNC.
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.
MHNC PE Valuation
MHNC has no meaningful PE right now: it lost money over the past year.
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'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.
MHNC Forward outlook
There aren't enough analyst estimates for MHNC to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
MHNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2025 | -$0.11 | +$0.15 |
| Q4 2024 | -$0.01 | +$0.37 |
| Q3 2024 | -$0.65 | +$0.33 |
| Q2 2024 | -$0.33 | +$0.71 |
| Q1 2024 | -$0.26 | +$0.46 |
| Q4 2023 | -$0.38 | +$0.25 |
| Q3 2023 | -$0.98 | -333% |
| Q2 2023 | -$1.04 | -317% |
SOFI has the stronger earnings trend. Trailing diluted EPS is down 142% for MHNC versus SOFI flat.
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.
MHNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2025 | $14M | -51% |
| Q3 2024 | $14.5M | -33% |
| Q2 2024 | $20.5M | -10% |
| Q1 2024 | $28.9M | +48% |
| Q4 2023 | $25.2M | +160% |
| Q3 2023 | $21.8M | +23% |
| Q2 2023 | $22.8M | +10% |
| Q1 2023 | $19.5M | +94% |
SOFI has the stronger quarterly revenue trend. Revenue is down 51% for MHNC versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2025 | -42% | -45 points |
| Q3 2024 | -243% | -217 points |
| Q2 2024 | -54% | -19 points |
| Q1 2024 | 3% | +61 points |
| Q4 2023 | -84% | +471 points |
| Q3 2023 | -26% | +18 points |
| Q2 2023 | -35% | -51 points |
| Q1 2023 | -58% | -39 points |
MHNC's operating margin was −42% last quarter, up 42 points from the same quarter a year ago.
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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
MHNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2025 | -$21.1M | -362% |
| Q4 2024 | $102M | +1540% |
| Q3 2024 | -$3.8M | -$1.5M |
| Q2 2024 | -$23.4M | +$19.9M |
| Q1 2024 | $8M | +$28.4M |
| Q4 2023 | $6.2M | +$102.3M |
| Q3 2023 | -$2.3M | +$8.7M |
| Q2 2023 | -$43.3M | -$30.6M |
MHNC has the stronger cash trend. Its trailing FCF is up 114% versus its history, compared with SOFI at down 107%.
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.
MHNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -782K shares |
| 1 year | -1.3% | -1.3M shares |
| 3 years | +15% | +12.6M shares |
| 5 years | +19% | +16.1M shares |
| Available history | +19% | +16M shares |
MHNC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2025 | — |
| Q4 2024 | $1.2M |
| Q3 2024 | $641,000 |
| Q2 2024 | $1.8M |
| Q1 2024 | $673,000 |
| Q4 2023 | $1M |
| Q3 2023 | $1.1M |
| Q2 2023 | $533,000 |
MHNC spent $4M buying back its own shares over the past year, up 10% 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 | — |
MHNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 41.8x | High |
| Q2 2022 | 18.0x | High |
| Q1 2022 | 13.8x | High |
| Q4 2021 | 8.4x | High |
| Q3 2021 | 7.9x | High |
| Q2 2021 | 6.2x | High |
| Q1 2021 | 4.5x | High |
| Q4 2020 | 3.6x | Elevated |
MHNC's net debt is more than 20 years of its operating earnings (EBITDA), up from 7.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MHNC.
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.
MHNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.9 | Neutral |
| Stochastic | 28.3 | Neutral |
MHNC's weekly RSI is 38 (neutral) and its Stochastic is 28 (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).
MHNC PE vs Financial Services Sector
| Metric | MHNC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
MHNC has no meaningful PE right now: it lost money over the past year.
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.
MHNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 0% above |
| 20 week MA | $11.3 | 5.9% below |
| 50 week MA | $13.0 | 18% below |
| 100 week MA | $15.0 | 29% below |
| 200 week MA | $16.4 | 35% below |
MHNC is in a downtrend: it's below all five of its weekly moving averages, and 35% below its 200-week average.
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.
MHNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.2 | $22.2 | -0.1% |
| 2021 | $22.2 | $22.6 | +2% |
| 2022 | $22.6 | $18.4 | -19% |
| 2023 | $18.4 | $19.0 | +3.3% |
| 2024 | $19.0 | $17.0 | -11% |
| 2025 | $17.0 | $15.8 | -7.4% |
| 2026 YTD | $15.8 | $10.6 | -33% |
MHNC 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.