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

BIT:1SOFI • US83406F1021

14.996 EUR
-1.48 (-8.97%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall 1SOFI gets a fundamental rating of 3 out of 10. We evaluated 1SOFI against 8 industry peers in the Consumer Finance industry. 1SOFI may be in some trouble as it scores bad on both profitability and health. 1SOFI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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.
  • The reported net income has been mixed in the past 5 years: 1SOFI reported negative net income in multiple 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 worse Return On Assets (0.95%) than 62.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.59%, 1SOFI is doing worse than 62.50% of the companies in the same industry.
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 the better half of the industry, outperforming 62.50% of the companies in the same industry.
  • 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 1SOFI has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1SOFI has an improved debt to assets ratio.
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

  • 1SOFI has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.17, 1SOFI belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.62%
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

More info and screens

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

7

3. Growth

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.
  • The Revenue has grown by 35.09% 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 44.91% yearly.
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.
  • 1SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.50% yearly.
EPS Next Y59.49%
EPS Next 2Y48.91%
EPS Next 3Y39.76%
EPS Next 5Y27.6%
Revenue Next Year31.18%
Revenue Next 2Y26.98%
Revenue Next 3Y23.23%
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 46.86, the valuation of 1SOFI can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1SOFI indicates a slightly more expensive valuation: 1SOFI is more expensive than 62.50% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1SOFI to the average of the S&P500 Index (27.07), we can say 1SOFI is valued expensively.
  • Based on the Price/Forward Earnings ratio of 29.21, the valuation of 1SOFI can be described as expensive.
  • Based on the Price/Forward Earnings ratio, 1SOFI is valued more expensive than 87.50% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1SOFI to the average of the S&P500 Index (28.05), we can say 1SOFI is valued inline with the index average.
Industry RankSector Rank
PE 46.86
Fwd PE 29.21
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

  • 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 39.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y48.91%
EPS Next 3Y39.76%

More info and screens

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

0

5. Dividend

5.1 Amount

  • 1SOFI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SOFI TECHNOLOGIES INC

BIT:1SOFI (2/27/2026, 7:00:00 PM)

14.996

-1.48 (-8.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners52.24%
Inst Owner ChangeN/A
Ins Owners3.04%
Ins Owner ChangeN/A
Market Cap19.00B
Revenue(TTM)3.61B
Net Income(TTM)481.32M
Analysts68.97
Price Target22.43 (49.57%)
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)-6.68%
PT rev (3m)-8.5%
EPS NQ rev (1m)-4.79%
EPS NQ rev (3m)-7.18%
EPS NY rev (1m)2.5%
EPS NY rev (3m)-1.12%
Revenue NQ rev (1m)1.33%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)3%
Revenue NY rev (3m)3.9%
Valuation
Industry RankSector Rank
PE 46.86
Fwd PE 29.21
P/S 6.21
P/FCF N/A
P/OCF N/A
P/B 2.14
P/tB 2.53
EV/EBITDA N/A
EPS(TTM)0.32
EY2.13%
EPS(NY)0.51
Fwd EY3.42%
FCF(TTM)-2.67
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS2.42
BVpS7.01
TBVpS5.92
PEG (NY)0.79
PEG (5Y)N/A
Graham Number7.11
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
WACC11.62%
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 Y59.49%
EPS Next 2Y48.91%
EPS Next 3Y39.76%
EPS Next 5Y27.6%
Revenue 1Y (TTM)35.09%
Revenue growth 3Y31.93%
Revenue growth 5Y44.91%
Sales Q2Q%37.03%
Revenue Next Year31.18%
Revenue Next 2Y26.98%
Revenue Next 3Y23.23%
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 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 59.49% 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%.