PRHI
Presurance Holdings, Inc.
There isn't enough reported data to score PRHI 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.
PRHI Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| N/A | |
| N/A |
PRHI's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRHI.
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.
PRHI PE Valuation
PRHI 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.
PRHI Forward outlook
There aren't enough analyst estimates for PRHI 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.
PRHI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$8.50 | +$6.83 |
| Q2 2026 | -$10.31 | -160% |
| Q1 2026 | -$9.80 | -171% |
| Q4 2025 | -$10.57 | -178% |
| Q3 2025 | -$15.33 | -190% |
| Q2 2025 | $17.15 | +$31.99 |
| Q1 2025 | $13.72 | +$29.05 |
| Q4 2024 | $13.51 | +$28.35 |
PRHI is still losing money, but less than at its worst: $8.50 per share over the past year, against $15.33 at its worst in early 2024.
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 PRHI on earnings quality, reporting a profit while its opponent remains loss making.
PRHI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $9.6M | +43% |
| Q2 2026 | $9.1M | -43% |
| Q1 2026 | $11.5M | -27% |
| Q4 2025 | $4.6M | -69% |
| Q3 2025 | $6.7M | -58% |
| Q2 2025 | $16.1M | -40% |
| Q1 2025 | $15.9M | -31% |
| Q4 2024 | $14.7M | -30% |
PRHI's revenue is recovering but still below its 2021 peak: $10M last quarter, up 43% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -12% | +32 points |
| Q2 2026 | 23% | +45 points |
| Q1 2026 | -9.2% | +19 points |
| Q4 2025 | -323% | -144 points |
| Q3 2025 | -44% | +2.1 points |
| Q2 2025 | -23% | -6.4 points |
| Q1 2025 | -28% | -26 points |
| Q4 2024 | -179% | -85 points |
PRHI's operating margin was −12% last quarter, up 32 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 has the edge over PRHI 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 has the edge over PRHI on profitability, with a higher operating margin.
PRHI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$7.5M | -$6.8M |
| Q2 2026 | -$11.9M | -$9.1M |
| Q1 2026 | -$8.3M | +$7M |
| Q4 2025 | -$25.2M | -$5.2M |
| Q3 2025 | -$681K | +$10M |
| Q2 2025 | -$2.8M | +$7.4M |
| Q1 2025 | -$15.3M | -287% |
| Q4 2024 | -$20M | -$7.3M |
PRHI has the edge over SOFI on cash flow, with more consistent year-over-year improvement.
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.
PRHI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -22 shares |
| 1 year | +115% | +2M shares |
| 3 years | +115% | +2M shares |
| 5 years | +171% | +2.4M shares |
| Available history | +195% | +2.5M shares |
PRHI has 4M diluted shares, up 115% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | $1,000 |
| Q3 2021 | $4,000 |
| Q2 2021 | $7,000 |
| Q1 2021 | — |
| Q4 2020 | $1,000 |
| Q3 2020 | $19,000 |
| Q2 2020 | $14,000 |
| Q1 2020 | $2,000 |
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 PRHI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
PRHI 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.
PRHI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.8 | Neutral |
| Stochastic | 45.9 | Neutral |
PRHI's weekly RSI is 46 (neutral) and its Stochastic is 46 (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).
PRHI PE vs Financial Services Sector
| Metric | PRHI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PRHI 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.
PRHI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $7.15 | 20% below |
| 20 week MA | $6.66 | 14% below |
| 50 week MA | $5.70 | 0.9% above |
| 100 week MA | $6.16 | 6.7% below |
| 200 week MA | $7.48 | 23% below |
PRHI's trend is mixed: it's above one of its five weekly moving averages, and 23% 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.
PRHI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.8 | $18.1 | -37% |
| 2021 | $18.1 | $15.5 | -14% |
| 2022 | $15.5 | $10.8 | -31% |
| 2023 | $10.8 | $7.70 | -29% |
| 2024 | $7.70 | $7.84 | +1.8% |
| 2025 | $7.84 | $5.38 | -31% |
| 2026 YTD | $5.38 | $5.75 | +6.9% |
PRHI 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.