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SOFI TECHNOLOGIES INC (1SOFI.MI) Stock Fundamental Analysis

Europe - BIT:1SOFI - US83406F1021 - Common Stock

22.265 EUR
-0.12 (-0.56%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

3

Overall 1SOFI gets a fundamental rating of 3 out of 10. We evaluated 1SOFI against 8 industry peers in the Consumer Finance industry. 1SOFI has a bad profitability rating. Also its financial health evaluation is rather negative. 1SOFI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

1SOFI had positive earnings in the past year.
In the past year 1SOFI has reported a negative cash flow from operations.
1SOFI had negative earnings in 4 of the past 5 years.
In the past 5 years 1SOFI always reported negative operating cash flow.
1SOFI.MI Yearly Net Income VS EBIT VS OCF VS FCF1SOFI.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 -2B -4B -6B

1.2 Ratios

1SOFI has a Return On Assets (1.37%) which is in line with its industry peers.
With a decent Return On Equity value of 8.19%, 1SOFI is doing good in the industry, outperforming 62.50% of the companies in the same industry.
Industry RankSector Rank
ROA 1.37%
ROE 8.19%
ROIC N/A
ROA(3y)-0.57%
ROA(5y)-2.23%
ROE(3y)-1.78%
ROE(5y)-5.38%
ROIC(3y)N/A
ROIC(5y)N/A
1SOFI.MI Yearly ROA, ROE, ROIC1SOFI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

1SOFI's Profit Margin of 18.37% is amongst the best of the industry. 1SOFI outperforms 100.00% of its industry peers.
The Operating Margin and Gross Margin are not available for 1SOFI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
1SOFI.MI Yearly Profit, Operating, Gross Margins1SOFI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60 -80

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1

2. Health

2.1 Basic Checks

1SOFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1SOFI has more shares outstanding
Compared to 5 years ago, 1SOFI has more shares outstanding
1SOFI has a better debt/assets ratio than last year.
1SOFI.MI Yearly Shares Outstanding1SOFI.MI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1SOFI.MI Yearly Total Debt VS Total Assets1SOFI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

1SOFI has a Debt/Equity ratio of 0.57. This is a neutral value indicating 1SOFI is somewhat dependend on debt financing.
1SOFI's Debt to Equity ratio of 0.57 is fine compared to the rest of the industry. 1SOFI outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.91%
1SOFI.MI Yearly LT Debt VS Equity VS FCF1SOFI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B -6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SOFI.MI Yearly Current Assets VS Current Liabilites1SOFI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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7

3. Growth

3.1 Past

1SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1100.00%, which is quite impressive.
Looking at the last year, 1SOFI shows a very strong growth in Revenue. The Revenue has grown by 27.62%.
1SOFI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 43.30% yearly.
EPS 1Y (TTM)1100%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.37%

3.2 Future

Based on estimates for the next years, 1SOFI will show a very strong growth in Earnings Per Share. The EPS will grow by 49.44% on average per year.
1SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.24% yearly.
EPS Next Y144.55%
EPS Next 2Y107.56%
EPS Next 3Y80.61%
EPS Next 5Y49.44%
Revenue Next Year33.98%
Revenue Next 2Y28.61%
Revenue Next 3Y25.65%
Revenue Next 5Y17.24%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1SOFI.MI Yearly Revenue VS Estimates1SOFI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2B 4B 6B
1SOFI.MI Yearly EPS VS Estimates1SOFI.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 0.5 -0.5 1 -1

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2

4. Valuation

4.1 Price/Earnings Ratio

1SOFI is valuated quite expensively with a Price/Earnings ratio of 111.33.
1SOFI's Price/Earnings ratio is a bit more expensive when compared to the industry. 1SOFI is more expensive than 62.50% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1SOFI to the average of the S&P500 Index (27.38), we can say 1SOFI is valued expensively.
1SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 46.66.
75.00% of the companies in the same industry are cheaper than 1SOFI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, 1SOFI is valued quite expensively.
Industry RankSector Rank
PE 111.33
Fwd PE 46.66
1SOFI.MI Price Earnings VS Forward Price Earnings1SOFI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1SOFI.MI Per share data1SOFI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

1SOFI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as 1SOFI's earnings are expected to grow with 80.61% in the coming years.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y107.56%
EPS Next 3Y80.61%

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0

5. Dividend

5.1 Amount

No dividends for 1SOFI!.
Industry RankSector Rank
Dividend Yield N/A

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SOFI TECHNOLOGIES INC

BIT:1SOFI (9/12/2025, 7:00:00 PM)

22.265

-0.12 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-29 2025-07-29/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners47.75%
Inst Owner ChangeN/A
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap26.42B
Analysts69.29
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.18%
Min EPS beat(2)29.96%
Max EPS beat(2)68.4%
EPS beat(4)4
Avg EPS beat(4)34.29%
Min EPS beat(4)14.77%
Max EPS beat(4)68.4%
EPS beat(8)8
Avg EPS beat(8)94.98%
EPS beat(12)12
Avg EPS beat(12)71.23%
EPS beat(16)16
Avg EPS beat(16)59.17%
Revenue beat(2)2
Avg Revenue beat(2)3.46%
Min Revenue beat(2)2.15%
Max Revenue beat(2)4.77%
Revenue beat(4)4
Avg Revenue beat(4)5.62%
Min Revenue beat(4)2.15%
Max Revenue beat(4)8.08%
Revenue beat(8)8
Avg Revenue beat(8)6.06%
Revenue beat(12)12
Avg Revenue beat(12)5.62%
Revenue beat(16)16
Avg Revenue beat(16)5.63%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)13.17%
EPS NY rev (1m)0%
EPS NY rev (3m)12.67%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.26%
Valuation
Industry RankSector Rank
PE 111.33
Fwd PE 46.66
P/S 10.14
P/FCF N/A
P/OCF N/A
P/B 4.52
P/tB 5.96
EV/EBITDA N/A
EPS(TTM)0.2
EY0.9%
EPS(NY)0.48
Fwd EY2.14%
FCF(TTM)-2.17
FCFYN/A
OCF(TTM)-2.02
OCFYN/A
SpS2.2
BVpS4.93
TBVpS3.74
PEG (NY)0.77
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.37%
ROE 8.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.37%
GM N/A
FCFM N/A
ROA(3y)-0.57%
ROA(5y)-2.23%
ROE(3y)-1.78%
ROE(5y)-5.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 96.74%
Cap/Sales 6.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.91%
ROIC/WACCN/A
Cap/Depr(3y)69.7%
Cap/Depr(5y)59.14%
Cap/Sales(3y)6.14%
Cap/Sales(5y)5.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1100%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
EPS Next Y144.55%
EPS Next 2Y107.56%
EPS Next 3Y80.61%
EPS Next 5Y49.44%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.37%
Revenue Next Year33.98%
Revenue Next 2Y28.61%
Revenue Next 3Y25.65%
Revenue Next 5Y17.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year358.28%
EBIT Next 3Y102.41%
EBIT Next 5Y71.62%
FCF growth 1Y68.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.61%
OCF growth 3YN/A
OCF growth 5YN/A