PACS
PACS Group, Inc.
PACS's outlook is improving, though it still trails on the overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PACS overall, supported by stronger valuation and stronger modeled upside.
PACS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PACS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PACS.
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.
PACS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 17x | $30.55 | -36% |
| Forward | 18x | $48.00 | — |
| Fair | 24x | $43.08 | -10% |
| Current | 27x | $48.00 | — |
| Expensive | 34x | $60.12 | +25% |
Historical ranges are pointers, not guarantees.
PACS's PE is in its fair range at 27x. If earnings grow as analysts expect, today's price would be 18x 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 PACS in the historical PE scenario, which offers more potential upside but is not a forecast.
PACS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for PACS, with profitability improving.
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.
PACS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.64 | +50% |
| Q3 2026 | $1.76 | +73% |
| Q2 2026 | $1.71 | +114% |
| Q1 2026 | $1.55 | +269% |
| Q4 2025 | $1.22 | +94% |
| Q3 2025 | $1.02 | +59% |
| Q2 2025 | $0.80 | +19% |
| Q1 2025 | $0.42 | -52% |
| Q4 2024 | $0.63 | -16% |
PACS 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.
PACS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.5B | +11% |
| Q2 2026 | $1.4B | +9.1% |
| Q1 2026 | $1.4B | +11% |
| Q4 2025 | $1.4B | +12% |
| Q3 2025 | $1.3B | +31% |
| Q2 2025 | $1.3B | +33% |
| Q1 2025 | $1.3B | +37% |
| Q4 2024 | $1.2B | +42% |
PACS's revenue has grown year over year every quarter since early 2024: $1.5B last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.7% | +0.2 points |
| Q2 2026 | 7.7% | +1.5 points |
| Q1 2026 | 8.4% | +4.7 points |
| Q4 2025 | 7% | +1 points |
| Q3 2025 | 6.4% | +4.2 points |
| Q2 2025 | 6.2% | +6.1 points |
| Q1 2025 | 3.8% | -4.8 points |
| Q4 2024 | 6% | -6 points |
PACS's operating margin was 6.7% last quarter, about level with 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 has the edge over PACS 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 has the edge over PACS on profitability, with a higher operating margin.
PACS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $178.7M | -4.3% |
| Q2 2026 | $109M | +221% |
| Q1 2026 | $214.5M | +62% |
| Q4 2025 | -$54.5M | -236% |
| Q3 2025 | $186.8M | -3.4% |
| Q2 2025 | $34M | +75% |
| Q1 2025 | $132.5M | +176% |
| Q4 2024 | $40M | +$64.9M |
PACS 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.
PACS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +1.9M shares |
| 1 year | -0.5% | -794K shares |
| 3 years | +7.6% | +11.5M shares |
PACS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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 | — |
PACS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 0.9x | Very low |
| Q2 2024 | 0.7x | Very low |
| Q1 2024 | 0.6x | Very low |
| Q4 2023 | 10.2x | High |
PACS's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like PACS.
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.
PACS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.3 | Neutral |
| Stochastic | 75.8 | Neutral |
PACS's weekly RSI is 62 (neutral) and its Stochastic is 76 (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).
PACS PE vs Financial Services Sector
| Metric | PACS | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 13x | 109% above |
| PE % | 63 | 30 | 33 pts above |
PACS 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.
PACS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 4.5% above |
| 20 week MA | $45.2 | 6.3% above |
| 50 week MA | $39.7 | 21% above |
| 100 week MA | $26.2 | 84% above |
PACS has stronger trend alignment. PACS is above 4 of 4 weekly averages versus SOFI above 1 of 5.
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.
PACS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $24.0 | $13.0 | -46% |
| 2025 | $13.0 | $38.1 | +193% |
| 2026 YTD | $38.1 | $48.0 | +26% |
PACS 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.