SHFS
SHF Holdings, Inc.
There isn't enough reported data to score SHFS 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.
SHFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| N/A | |
| N/A |
SHFS's revenue is currently stable, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SHFS.
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.
SHFS PE Valuation
SHFS 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.
SHFS Forward outlook
There aren't enough analyst estimates for SHFS 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.
SHFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$13.43 | +$219.37 |
| Q2 2026 | -$11.76 | +$219.36 |
| Q1 2026 | -$11.40 | +$210.96 |
| Q4 2025 | -$9.84 | +$199.32 |
| Q3 2025 | -$232.80 | -793% |
| Q2 2025 | -$231.12 | -975% |
| Q1 2025 | -$222.36 | -$147.96 |
| Q4 2024 | -$209.16 | -$110.76 |
SHFS is still losing money, but far less than before: $13.43 per share over the past year, against $600.13 at its worst in late 2023.
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 SHFS on earnings quality, reporting a profit while its opponent remains loss making.
SHFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2M | +6.5% |
| Q2 2026 | $1.9M | +4.8% |
| Q1 2026 | $2M | +2.2% |
| Q4 2025 | $2.1M | -44% |
| Q3 2025 | $1.8M | -47% |
| Q2 2025 | $1.8M | -54% |
| Q1 2025 | $1.9M | -52% |
| Q4 2024 | $3.7M | -18% |
SHFS's revenue is recovering but still below its 2023 peak: $2M last quarter, up 6.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -51% | +15 points |
| Q2 2026 | -53% | -0.4 points |
| Q1 2026 | -89% | +14 points |
| Q4 2025 | -59% | +156 points |
| Q3 2025 | -66% | -72 points |
| Q2 2025 | -53% | -60 points |
| Q1 2025 | -103% | -111 points |
| Q4 2024 | -215% | -177 points |
SHFS's operating margin was −51% last quarter, up 15 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 SHFS 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 SHFS on profitability, with a higher operating margin.
SHFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2M | -$674.8K |
| Q2 2026 | -$1.8M | -$1.1M |
| Q1 2026 | -$1.1M | +$62.1K |
| Q4 2025 | -$1.1M | +$1.7M |
| Q4 2024 | -$2.8M | -$2.2M |
| Q4 2023 | -$607.1K | -$328.1K |
| Q2 2023 | -$378.7K | -$309.6K |
| Q1 2023 | -$775.1K | -$593.5K |
SHFS 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.
SHFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +78% | +451K shares |
| 1 year | +336% | +792K shares |
| 3 years | +861% | +921K shares |
SHFS has 1M diluted shares, up 336% from a year ago.
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 SHFS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SHFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2024 | 118.1x | High |
SHFS's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SHFS.
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.
SHFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.4 | Oversold |
| Stochastic | 0.2 | Oversold |
SHFS's weekly RSI is 25 (oversold) and its Stochastic is 0 (oversold).
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).
SHFS PE vs Financial Services Sector
| Metric | SHFS | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
SHFS 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.
SHFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.49 | 96% below |
| 20 week MA | $1.50 | 99% below |
| 50 week MA | $6.73 | 100% below |
| 100 week MA | $29.3 | 100% below |
| 200 week MA | $96.8 | 100% below |
SHFS is in a downtrend: it's below all five of its weekly moving averages, and 100% 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 the edge over SHFS on trend strength, trading above more of its moving averages.
SHFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $2,371.2 | $2,412.0 | +1.7% |
| 2022 | $2,412.0 | $460.8 | -81% |
| 2023 | $460.8 | $340.8 | -26% |
| 2024 | $340.8 | $101.0 | -70% |
| 2025 | $101.0 | $15.0 | -85% |
| 2026 YTD | $15.0 | $0.02 | -100% |
SHFS has finished four years in a row lower, and it's down 100% so far in 2026.
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 has the edge over SHFS on returns for 2026, with the stronger performance.