SOFI TECHNOLOGIES INC (1SOFI.MI) Fundamental Analysis & Valuation

BIT:1SOFI • US83406F1021

Current stock price

13.854 EUR
-1.15 (-7.68%)
Last:

This 1SOFI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. 1SOFI.MI Profitability Analysis

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.
  • In multiple years 1SOFI reported negative net income over the last 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 2025 0 -2B -4B -6B

1.2 Ratios

  • 1SOFI has a Return On Assets of 0.95%. This is in the lower half of the industry: 1SOFI underperforms 75.00% of its industry peers.
  • 1SOFI's Return On Equity of 4.59% is on the low side compared to the rest of the industry. 1SOFI is outperformed by 75.00% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 4.59%
ROIC N/A
ROA(3y)0.38%
ROA(5y)-1.3%
ROE(3y)1.93%
ROE(5y)-2.38%
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 2025 0 5 -5 -10

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.32%, 1SOFI is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • 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) 13.32%
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 2025 0 -20 -40 -60 -80

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2

2. 1SOFI.MI Health Analysis

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
  • The number of shares outstanding for 1SOFI has been increased compared to 5 years ago.
  • 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 2025 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 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • A Debt/Equity ratio of 0.17 indicates that 1SOFI is not too dependend on debt financing.
  • The Debt to Equity ratio of 1SOFI (0.17) is better than 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.22%
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 2025 0 5B -5B 10B

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 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. 1SOFI.MI Growth Analysis

3.1 Past

  • 1SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 192.31%, which is quite impressive.
  • Looking at the last year, 1SOFI shows a very strong growth in Revenue. The Revenue has grown by 35.09%.
  • The Revenue has been growing by 44.91% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)192.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
Revenue 1Y (TTM)35.09%
Revenue growth 3Y31.93%
Revenue growth 5Y44.91%
Sales Q2Q%37.03%

3.2 Future

  • 1SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.60% yearly.
  • The Revenue is expected to grow by 13.50% on average over the next years. This is quite good.
EPS Next Y62.23%
EPS Next 2Y49.12%
EPS Next 3Y40.23%
EPS Next 5Y27.6%
Revenue Next Year31.15%
Revenue Next 2Y26.98%
Revenue Next 3Y24.1%
Revenue Next 5Y13.5%

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 2033 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 2033 0 1 -1

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2

4. 1SOFI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 41.98, the valuation of 1SOFI can be described as expensive.
  • 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 (24.88), we can say 1SOFI is valued expensively.
  • A Price/Forward Earnings ratio of 25.93 indicates a quite expensive valuation of 1SOFI.
  • 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.
  • When comparing the Price/Forward Earnings ratio of 1SOFI to the average of the S&P500 Index (22.19), we can say 1SOFI is valued inline with the index average.
Industry RankSector Rank
PE 41.98
Fwd PE 25.93
1SOFI.MI Price Earnings VS Forward Price Earnings1SOFI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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

  • The 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 40.23% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y49.12%
EPS Next 3Y40.23%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1SOFI.MI Dividend Analysis

5.1 Amount

  • No dividends for 1SOFI!.
Industry RankSector Rank
Dividend Yield 0%

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1SOFI.MI Fundamentals: All Metrics, Ratios and Statistics

SOFI TECHNOLOGIES INC

BIT:1SOFI (3/26/2026, 7:00:00 PM)

13.854

-1.15 (-7.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners55.99%
Inst Owner ChangeN/A
Ins Owners3.02%
Ins Owner ChangeN/A
Market Cap17.67B
Revenue(TTM)3.61B
Net Income(TTM)481.32M
Analysts70.34
Price Target22.43 (61.9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
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)21.06%
Min EPS beat(2)9.66%
Max EPS beat(2)32.45%
EPS beat(4)4
Avg EPS beat(4)35.12%
Min EPS beat(4)9.66%
Max EPS beat(4)68.4%
EPS beat(8)8
Avg EPS beat(8)45.94%
EPS beat(12)12
Avg EPS beat(12)69.56%
EPS beat(16)16
Avg EPS beat(16)57.24%
Revenue beat(2)2
Avg Revenue beat(2)2.79%
Min Revenue beat(2)0.78%
Max Revenue beat(2)4.81%
Revenue beat(4)4
Avg Revenue beat(4)3.03%
Min Revenue beat(4)0.78%
Max Revenue beat(4)4.81%
Revenue beat(8)8
Avg Revenue beat(8)5.67%
Revenue beat(12)12
Avg Revenue beat(12)5.15%
Revenue beat(16)16
Avg Revenue beat(16)5.57%
PT rev (1m)-5.41%
PT rev (3m)-2.53%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)-7.24%
EPS NY rev (1m)1.72%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)1.71%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)3.29%
Valuation
Industry RankSector Rank
PE 41.98
Fwd PE 25.93
P/S 5.64
P/FCF N/A
P/OCF N/A
P/B 1.94
P/tB 2.3
EV/EBITDA N/A
EPS(TTM)0.33
EY2.38%
EPS(NY)0.53
Fwd EY3.86%
FCF(TTM)-2.71
FCFYN/A
OCF(TTM)-2.54
OCFYN/A
SpS2.46
BVpS7.13
TBVpS6.02
PEG (NY)0.67
PEG (5Y)N/A
Graham Number7.28
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 4.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.32%
GM N/A
FCFM N/A
ROA(3y)0.38%
ROA(5y)-1.3%
ROE(3y)1.93%
ROE(5y)-2.38%
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-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 107.25%
Cap/Sales 6.95%
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-Score3
WACC12.22%
ROIC/WACCN/A
Cap/Depr(3y)82.61%
Cap/Depr(5y)73.56%
Cap/Sales(3y)6.26%
Cap/Sales(5y)6.13%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)192.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
EPS Next Y62.23%
EPS Next 2Y49.12%
EPS Next 3Y40.23%
EPS Next 5Y27.6%
Revenue 1Y (TTM)35.09%
Revenue growth 3Y31.93%
Revenue growth 5Y44.91%
Sales Q2Q%37.03%
Revenue Next Year31.15%
Revenue Next 2Y26.98%
Revenue Next 3Y24.1%
Revenue Next 5Y13.5%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year212.95%
EBIT Next 3Y69.15%
EBIT Next 5YN/A
FCF growth 1Y-211.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-234.21%
OCF growth 3YN/A
OCF growth 5YN/A

SOFI TECHNOLOGIES INC / 1SOFI.MI Fundamental Analysis FAQ

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

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


Can you provide the valuation status for SOFI TECHNOLOGIES INC?

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 expected EPS growth for 1SOFI stock?

The Earnings per Share (EPS) of SOFI TECHNOLOGIES INC (1SOFI.MI) is expected to grow by 62.23% in the next year.


How sustainable is the dividend of SOFI TECHNOLOGIES INC (1SOFI.MI) stock?

The dividend rating of SOFI TECHNOLOGIES INC (1SOFI.MI) is 0 / 10 and the dividend payout ratio is 0%.