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

Europe - Euronext Milan - BIT:1SOFI - US83406F1021 - Common Stock

25.35 EUR
+0.59 (+2.38%)
Last: 11/28/2025, 7:00:00 PM
Fundamental Rating

3

1SOFI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 9 industry peers in the Consumer Finance industry. Both the profitability and financial health of 1SOFI have multiple concerns. 1SOFI shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year 1SOFI was profitable.
In the past year 1SOFI has reported a negative cash flow from operations.
1SOFI had negative earnings in 4 of the past 5 years.
1SOFI had a negative operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 1.41%, 1SOFI is doing worse than 66.67% of the companies in the same industry.
1SOFI has a Return On Equity of 7.29%. This is comparable to the rest of the industry: 1SOFI outperforms 44.44% of its industry peers.
Industry RankSector Rank
ROA 1.41%
ROE 7.29%
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 19.27% 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) 19.27%
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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2

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

A Debt/Equity ratio of 0.31 indicates that 1SOFI is not too dependend on debt financing.
The Debt to Equity ratio of 1SOFI (0.31) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.47%
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

The Earnings Per Share has grown by an impressive 200.00% over the past year.
1SOFI shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.98%.
The Revenue has been growing by 43.30% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%120%
Revenue 1Y (TTM)29.98%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%36.22%

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 53.04% on average per year.
1SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.99% yearly.
EPS Next Y180.38%
EPS Next 2Y117.14%
EPS Next 3Y85.97%
EPS Next 5Y53.04%
Revenue Next Year39.25%
Revenue Next 2Y32.94%
Revenue Next 3Y28.69%
Revenue Next 5Y18.99%

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 8B
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 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 97.50, 1SOFI can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of 1SOFI indicates a slightly more expensive valuation: 1SOFI is more expensive than 66.67% of the companies listed in the same industry.
1SOFI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.15.
1SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 48.03.
Based on the Price/Forward Earnings ratio, 1SOFI is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
1SOFI is valuated rather expensively when we compare the Price/Forward Earnings ratio to 36.22, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 97.5
Fwd PE 48.03
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

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 6

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.
1SOFI's earnings are expected to grow with 85.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y117.14%
EPS Next 3Y85.97%

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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 (11/28/2025, 7:00:00 PM)

25.35

+0.59 (+2.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-26 2026-01-26/amc
Inst Owners53.67%
Inst Owner ChangeN/A
Ins Owners3.16%
Ins Owner ChangeN/A
Market Cap30.57B
Revenue(TTM)3.32B
Net Income(TTM)640.24M
Analysts68.97
Price Target24.51 (-3.31%)
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)31.21%
Min EPS beat(2)29.96%
Max EPS beat(2)32.45%
EPS beat(4)4
Avg EPS beat(4)38.71%
Min EPS beat(4)24.01%
Max EPS beat(4)68.4%
EPS beat(8)8
Avg EPS beat(8)91.72%
EPS beat(12)12
Avg EPS beat(12)72.74%
EPS beat(16)16
Avg EPS beat(16)57.15%
Revenue beat(2)2
Avg Revenue beat(2)4.89%
Min Revenue beat(2)4.77%
Max Revenue beat(2)5.01%
Revenue beat(4)4
Avg Revenue beat(4)4.85%
Min Revenue beat(4)2.15%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)6.34%
Revenue beat(12)12
Avg Revenue beat(12)5.56%
Revenue beat(16)16
Avg Revenue beat(16)5.57%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)27.17%
EPS NQ rev (3m)29.65%
EPS NY rev (1m)13.54%
EPS NY rev (3m)14.65%
Revenue NQ rev (1m)5.32%
Revenue NQ rev (3m)8.05%
Revenue NY rev (1m)3.37%
Revenue NY rev (3m)3.94%
Valuation
Industry RankSector Rank
PE 97.5
Fwd PE 48.03
P/S 10.69
P/FCF N/A
P/OCF N/A
P/B 4.04
P/tB 4.97
EV/EBITDA N/A
EPS(TTM)0.26
EY1.03%
EPS(NY)0.53
Fwd EY2.08%
FCF(TTM)-2.27
FCFYN/A
OCF(TTM)-2.11
OCFYN/A
SpS2.37
BVpS6.27
TBVpS5.1
PEG (NY)0.54
PEG (5Y)N/A
Graham Number6.06
Profitability
Industry RankSector Rank
ROA 1.41%
ROE 7.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.27%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 101.25%
Cap/Sales 6.85%
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-Score5
WACC11.47%
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)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%120%
EPS Next Y180.38%
EPS Next 2Y117.14%
EPS Next 3Y85.97%
EPS Next 5Y53.04%
Revenue 1Y (TTM)29.98%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%36.22%
Revenue Next Year39.25%
Revenue Next 2Y32.94%
Revenue Next 3Y28.69%
Revenue Next 5Y18.99%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year365.8%
EBIT Next 3Y105.66%
EBIT Next 5Y76.9%
FCF growth 1Y66.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y68.6%
OCF growth 3YN/A
OCF growth 5YN/A

SOFI TECHNOLOGIES INC / 1SOFI.MI FAQ

Can you provide the ChartMill fundamental rating for SOFI TECHNOLOGIES INC?

ChartMill assigns a fundamental rating of 3 / 10 to 1SOFI.MI.


What is the valuation status for 1SOFI stock?

ChartMill assigns a valuation rating of 2 / 10 to SOFI TECHNOLOGIES INC (1SOFI.MI). This can be considered as Overvalued.


How profitable is SOFI TECHNOLOGIES INC (1SOFI.MI) stock?

SOFI TECHNOLOGIES INC (1SOFI.MI) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for 1SOFI stock?

The Price/Earnings (PE) ratio for SOFI TECHNOLOGIES INC (1SOFI.MI) is 97.5 and the Price/Book (PB) ratio is 4.04.


What is the expected EPS growth for SOFI TECHNOLOGIES INC (1SOFI.MI) stock?

The Earnings per Share (EPS) of SOFI TECHNOLOGIES INC (1SOFI.MI) is expected to grow by 180.38% in the next year.