SOFI TECHNOLOGIES INC (1SOFI.MI) Stock Fundamental Analysis
Europe - BIT:1SOFI - US83406F1021 - Common Stock
22.525 EUR
-3.75 (-14.27%)
Overall 1SOFI gets a fundamental rating of 2 out of 10. We evaluated 1SOFI against 9 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 expensive, but it does show an excellent growth.
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.
1.2 Ratios
With a Return On Assets value of 1.37%, 1SOFI is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
1SOFI has a Return On Equity (8.19%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
1SOFI has a Profit Margin of 18.37%. This is amongst the best in 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 Rank | Sector 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
2. Health
2.1 Basic Checks
1SOFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
1SOFI has more shares outstanding than it did 1 year ago.
1SOFI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for 1SOFI has been reduced compared to a year ago.
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 has a better Debt to Equity ratio (0.57) than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.57 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 200.00%, which is quite impressive.
1SOFI shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.98%.
1SOFI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 43.30% yearly.
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
The Earnings Per Share is expected to grow by 53.04% on average over the next years. This is a very strong growth
Based on estimates for the next years, 1SOFI will show a quite strong growth in Revenue. The Revenue will grow by 18.99% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
1SOFI is valuated quite expensively with a Price/Earnings ratio of 86.63.
Based on the Price/Earnings ratio, 1SOFI is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
1SOFI is valuated expensively when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
1SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 42.49.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SOFI indicates a slightly more expensive valuation: 1SOFI is more expensive than 75.00% of the companies listed in the same industry.
1SOFI is valuated rather expensively when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 86.63 | ||
| Fwd PE | 42.49 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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 85.97% in the coming years.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y117.14%
EPS Next 3Y85.97%
5. Dividend
5.1 Amount
No dividends for 1SOFI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1SOFI (11/7/2025, 7:00:00 PM)
22.525
-3.75 (-14.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners53.67%
Inst Owner ChangeN/A
Ins Owners3.16%
Ins Owner ChangeN/A
Market Cap26.73B
Revenue(TTM)3.32B
Net Income(TTM)561.60M
Analysts68.97
Price Target19.31 (-14.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)-3.58%
EPS NQ rev (3m)3.76%
EPS NY rev (1m)13.54%
EPS NY rev (3m)26.85%
Revenue NQ rev (1m)1%
Revenue NQ rev (3m)2.71%
Revenue NY rev (1m)3.52%
Revenue NY rev (3m)7.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 86.63 | ||
| Fwd PE | 42.49 | ||
| P/S | 10.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.5 | ||
| P/tB | 5.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.26
EY1.15%
EPS(NY)0.53
Fwd EY2.35%
FCF(TTM)-2.21
FCFYN/A
OCF(TTM)-2.05
OCFYN/A
SpS2.23
BVpS5
TBVpS3.79
PEG (NY)0.48
PEG (5Y)N/A
Graham Number5.41
Profitability
| Industry Rank | Sector 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
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-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector 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
WACC12.29%
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 1Y68.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.61%
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 2 / 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 86.63 and the Price/Book (PB) ratio is 4.5.
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.