PRU
Prudential Financial, Inc.
PRU has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PRU overall, supported by stronger modeled upside and stronger valuation.
PRU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
PRU's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRU.
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.
PRU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $83.42 | -32% |
| Forward | 9.2x | $122 | — |
| Current | 11x | $122 | — |
| Fair | 15x | $161 | +31% |
| Expensive | 31x | $339 | +177% |
Historical ranges are pointers, not guarantees.
PRU's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 9.2x, 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 PRU in the historical PE scenario, which offers more potential upside but is not a forecast.
PRU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect PRU's earnings, revenue and profitability to hold roughly steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PRU on the outlook, with more favorable earnings and revenue expectations.
PRU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.31 | +21% |
| Q3 2026 | $10.98 | +50% |
| Q2 2026 | $11.03 | +143% |
| Q1 2026 | $9.71 | +53% |
| Q4 2025 | $9.99 | +33% |
| Q3 2025 | $7.31 | -35% |
| Q2 2025 | $4.54 | -42% |
| Q1 2025 | $6.34 | +7.8% |
| Q4 2024 | $7.50 | +12% |
PRU 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.
PRU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $14.4B | -19% |
| Q2 2026 | $15.7B | +14% |
| Q1 2026 | $15.5B | +15% |
| Q4 2025 | $15.7B | +25% |
| Q3 2025 | $17.9B | -8.2% |
| Q2 2025 | $13.7B | -7.8% |
| Q1 2025 | $13.5B | -43% |
| Q4 2024 | $12.5B | -17% |
PRU's revenue is growing: $14.4B last quarter, down 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | +1.4 points |
| Q2 2026 | 7.5% | +2.1 points |
| Q1 2026 | 4.7% | -2.1 points |
| Q4 2025 | 7.7% | +8.9 points |
| Q3 2025 | 10% | +7.1 points |
| Q2 2025 | 5.4% | -4.1 points |
| Q1 2025 | 6.8% | +0.9 points |
| Q4 2024 | -1.2% | -12 points |
PRU's operating margin was 11% last quarter, up 1.4 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 PRU 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 PRU on profitability, with a higher operating margin.
PRU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.9B | -8.4% |
| Q2 2026 | $2.3B | +102% |
| Q1 2026 | $1B | +$3.5B |
| Q4 2025 | $3.3B | +43% |
| Q3 2025 | $4.3B | +289% |
| Q2 2025 | $1.2B | +$1.3B |
| Q1 2025 | -$2.5B | -148% |
| Q4 2024 | $2.3B | +111% |
PRU 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.
PRU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -1.7M shares |
| 1 year | -1.9% | -6.6M shares |
| 3 years | -4.5% | -16.2M shares |
| 5 years | -10% | -40.4M shares |
| Available history | -16% | -64.5M shares |
PRU has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $250M |
| Q2 2026 | $250M |
| Q1 2026 | $246M |
| Q4 2025 | $254M |
| Q3 2025 | $250M |
| Q2 2025 | $250M |
| Q1 2025 | $246M |
| Q4 2024 | $254M |
PRU spent $1B buying back its own shares over the past year, about the same as 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 | — |
PRU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 1.2x | Healthy |
| Q4 2024 | 0.5x | Very low |
| Q3 2023 | 3.4x | Elevated |
| Q2 2023 | 3.8x | Elevated |
| Q1 2023 | 11.2x | High |
| Q3 2022 | 1.1x | Healthy |
| Q2 2022 | 2.0x | Healthy |
| Q1 2022 | 1.0x | Healthy |
PRU's net debt is about 1.1 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PRU.
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 the edge over PRU on leverage, with a lower net debt burden relative to earnings.
PRU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.4 | Neutral |
| Stochastic | 48.9 | Neutral |
PRU's weekly RSI is 61 (neutral) and its Stochastic is 49 (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).
PRU PE vs Financial Services Sector
| Metric | PRU | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 42 | 63 | 21 pts below |
PRU 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.
PRU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $116.8 | 4.8% above |
| 20 week MA | $118.5 | 3.3% above |
| 50 week MA | $110.0 | 11% above |
| 100 week MA | $108.7 | 13% above |
| 200 week MA | $106.5 | 15% above |
PRU 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.
PRU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $93.2 | $76.7 | -18% |
| 2021 | $76.7 | $108.3 | +41% |
| 2022 | $108.3 | $99.6 | -8% |
| 2023 | $99.6 | $103.7 | +4.2% |
| 2024 | $103.7 | $119.1 | +15% |
| 2025 | $119.1 | $114.0 | -4.3% |
| 2026 YTD | $114.0 | $122.4 | +7.4% |
PRU 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.