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

BIT:1SOFI - Euronext Milan - US83406F1021 - Common Stock - Currency: EUR

18.742  +0.27 (+1.45%)

Fundamental Rating

3

1SOFI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. 1SOFI has a bad profitability rating. Also its financial health evaluation is rather negative. 1SOFI shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1SOFI was profitable.
1SOFI had a negative operating cash flow in the past year.
In the past 5 years 1SOFI reported 4 times negative net income.
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

The Return On Assets of 1SOFI (1.25%) is comparable to the rest of the industry.
The Return On Equity of 1SOFI (7.07%) is better than 62.50% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 7.07%
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 has a better Profit Margin (16.86%) than 100.00% of its industry peers.
1SOFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.86%
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.
1SOFI has more shares outstanding than it did 1 year ago.
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 0.46 indicates that 1SOFI is not too dependend on debt financing.
The Debt to Equity ratio of 1SOFI (0.46) is better than 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
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 1100.00% over the past year.
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

1SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.16% yearly.
1SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.74% yearly.
EPS Next Y121.04%
EPS Next 2Y102.52%
EPS Next 3Y79.43%
EPS Next 5Y48.16%
Revenue Next Year29.04%
Revenue Next 2Y24.7%
Revenue Next 3Y21.95%
Revenue Next 5Y14.74%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

Based on the Price/Earnings ratio of 89.25, 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.
The average S&P500 Price/Earnings ratio is at 26.48. 1SOFI is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 40.94, which means the current valuation is very expensive for 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.
The average S&P500 Price/Forward Earnings ratio is at 34.04. 1SOFI is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 89.25
Fwd PE 40.94
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 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 79.43% in the coming years.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y102.52%
EPS Next 3Y79.43%

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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 (7/30/2025, 7:00:00 PM)

18.742

+0.27 (+1.45%)

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 Cap20.87B
Analysts69.63
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
DP3.49%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)46.21%
Min EPS beat(2)24.01%
Max EPS beat(2)68.4%
EPS beat(4)4
Avg EPS beat(4)54.62%
Min EPS beat(4)14.77%
Max EPS beat(4)111.29%
EPS beat(8)8
Avg EPS beat(8)91.62%
EPS beat(12)12
Avg EPS beat(12)69.77%
EPS beat(16)15
Avg EPS beat(16)10.07%
Revenue beat(2)2
Avg Revenue beat(2)4.82%
Min Revenue beat(2)2.15%
Max Revenue beat(2)7.49%
Revenue beat(4)4
Avg Revenue beat(4)5.42%
Min Revenue beat(4)2.15%
Max Revenue beat(4)8.08%
Revenue beat(8)8
Avg Revenue beat(8)5.86%
Revenue beat(12)12
Avg Revenue beat(12)5.49%
Revenue beat(16)16
Avg Revenue beat(16)5.77%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.04%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 89.25
Fwd PE 40.94
P/S 8.68
P/FCF N/A
P/OCF N/A
P/B 3.64
P/tB 4.86
EV/EBITDA N/A
EPS(TTM)0.21
EY1.12%
EPS(NY)0.46
Fwd EY2.44%
FCF(TTM)-1.56
FCFYN/A
OCF(TTM)-1.42
OCFYN/A
SpS2.16
BVpS5.15
TBVpS3.86
PEG (NY)0.74
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 7.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.86%
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-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 87.4%
Cap/Sales 6.56%
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-Score6
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)1100%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
EPS Next Y121.04%
EPS Next 2Y102.52%
EPS Next 3Y79.43%
EPS Next 5Y48.16%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.37%
Revenue Next Year29.04%
Revenue Next 2Y24.7%
Revenue Next 3Y21.95%
Revenue Next 5Y14.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year358.28%
EBIT Next 3Y102.41%
EBIT Next 5YN/A
FCF growth 1Y76.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.28%
OCF growth 3YN/A
OCF growth 5YN/A