SOFI TECHNOLOGIES INC (1SOFI.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1SOFI • US83406F1021
19.374 EUR
-2.43 (-11.13%)
Last: Jan 30, 2026, 07:00 PM
We assign a fundamental rating of 3 out of 10 to 1SOFI. 1SOFI was compared to 8 industry peers in the Consumer Finance industry. Both the profitability and financial health of 1SOFI have multiple concerns. 1SOFI is valued quite expensively, but it does show have an excellent growth rating.
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.
1.2 Ratios
- 1SOFI has a worse Return On Assets (1.41%) than 62.50% of its industry peers.
- Looking at the Return On Equity, with a value of 7.29%, 1SOFI is doing worse than 62.50% of the companies in the same industry.
| Industry Rank | Sector 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
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 Rank | Sector 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
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- A Debt/Equity ratio of 0.31 indicates that 1SOFI is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.31, 1SOFI belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.58%
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.
- The Revenue has grown by 29.98% in the past year. This is a very strong growth!
- 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
- 1SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 53.04% yearly.
- 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 Y182.79%
EPS Next 2Y113.26%
EPS Next 3Y85.62%
EPS Next 5Y53.04%
Revenue Next Year39.79%
Revenue Next 2Y33.52%
Revenue Next 3Y29.11%
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
- With a Price/Earnings ratio of 77.50, 1SOFI can be considered very expensive at the moment.
- 62.50% of the companies in the same industry are cheaper than 1SOFI, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.30. 1SOFI is valued rather expensively when compared to this.
- Based on the Price/Forward Earnings ratio of 39.22, the valuation of 1SOFI can be described as expensive.
- Based on the Price/Forward Earnings ratio, 1SOFI is valued expensively inside the industry as 87.50% of the companies are valued cheaper.
- 1SOFI is valuated expensively when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 77.5 | ||
| Fwd PE | 39.22 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
- 1SOFI's earnings are expected to grow with 85.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)N/A
EPS Next 2Y113.26%
EPS Next 3Y85.62%
5. Dividend
5.1 Amount
- 1SOFI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.
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 182.79% 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%.