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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

NASDAQ:SOFI - Nasdaq - US83406F1021 - Common Stock - Currency: USD

23.77  +0.48 (+2.06%)

After market: 23.7599 -0.01 (-0.04%)

Fundamental Rating

3

Taking everything into account, SOFI scores 3 out of 10 in our fundamental rating. SOFI was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of SOFI have multiple concerns. SOFI is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SOFI had positive earnings in the past year.
SOFI had a negative operating cash flow in the past year.
SOFI had negative earnings in 4 of the past 5 years.
In the past 5 years SOFI always reported negative operating cash flow.
SOFI Yearly Net Income VS EBIT VS OCF VS FCFSOFI 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

SOFI has a Return On Assets (1.37%) which is in line with its industry peers.
With a Return On Equity value of 8.19%, SOFI perfoms like the industry average, outperforming 47.17% of the companies in the same industry.
Industry RankSector 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
SOFI Yearly ROA, ROE, ROICSOFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

SOFI has a better Profit Margin (18.37%) than 81.13% of its industry peers.
The Operating Margin and Gross Margin are not available for SOFI so they could not be analyzed.
Industry RankSector 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
SOFI Yearly Profit, Operating, Gross MarginsSOFI 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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1

2. Health

2.1 Basic Checks

SOFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
SOFI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SOFI has more shares outstanding
Compared to 1 year ago, SOFI has an improved debt to assets ratio.
SOFI Yearly Shares OutstandingSOFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
SOFI Yearly Total Debt VS Total AssetsSOFI 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 0.57 indicates that SOFI is somewhat dependend on debt financing.
SOFI has a better Debt to Equity ratio (0.57) than 71.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.97%
SOFI Yearly LT Debt VS Equity VS FCFSOFI 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
SOFI Yearly Current Assets VS Current LiabilitesSOFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3. Growth

3.1 Past

SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1100.00%, which is quite impressive.
SOFI shows a strong growth in Revenue. In the last year, the Revenue has grown by 27.62%.
SOFI 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%43.77%

3.2 Future

SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 49.44% yearly.
SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.24% yearly.
EPS Next Y121.04%
EPS Next 2Y102.52%
EPS Next 3Y79.43%
EPS Next 5Y49.44%
Revenue Next Year29.04%
Revenue Next 2Y24.7%
Revenue Next 3Y21.95%
Revenue Next 5Y17.24%

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.
SOFI Yearly Revenue VS EstimatesSOFI 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
SOFI Yearly EPS VS EstimatesSOFI 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

With a Price/Earnings ratio of 99.04, SOFI can be considered very expensive at the moment.
Based on the Price/Earnings ratio, SOFI is valued expensively inside the industry as 84.91% of the companies are valued cheaper.
SOFI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.87.
With a Price/Forward Earnings ratio of 44.58, SOFI can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, SOFI is valued a bit more expensive than the industry average as 71.70% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.34, SOFI is valued a bit more expensive.
Industry RankSector Rank
PE 99.04
Fwd PE 44.58
SOFI Price Earnings VS Forward Price EarningsSOFI 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
SOFI Per share dataSOFI 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 SOFI's earnings are expected to grow with 79.43% in the coming years.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y102.52%
EPS Next 3Y79.43%

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0

5. Dividend

5.1 Amount

SOFI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (8/15/2025, 8:00:02 PM)

After market: 23.7599 -0.01 (-0.04%)

23.77

+0.48 (+2.06%)

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 Change2.11%
Ins Owners3.31%
Ins Owner Change1.15%
Market Cap26.47B
Analysts69.63
Price Target20.13 (-15.31%)
Short Float %12.51%
Short Ratio2
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
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)5.33%
Min Revenue beat(4)2.15%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)3.84%
Revenue beat(12)12
Avg Revenue beat(12)3.77%
Revenue beat(16)16
Avg Revenue beat(16)4.24%
PT rev (1m)39.71%
PT rev (3m)39.85%
EPS NQ rev (1m)11.96%
EPS NQ rev (3m)2.16%
EPS NY rev (1m)0%
EPS NY rev (3m)1.84%
Revenue NQ rev (1m)3.86%
Revenue NQ rev (3m)4.03%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)0.48%
Valuation
Industry RankSector Rank
PE 99.04
Fwd PE 44.58
P/S 8.65
P/FCF N/A
P/OCF N/A
P/B 3.86
P/tB 5.09
EV/EBITDA N/A
EPS(TTM)0.24
EY1.01%
EPS(NY)0.53
Fwd EY2.24%
FCF(TTM)-2.72
FCFYN/A
OCF(TTM)-2.53
OCFYN/A
SpS2.75
BVpS6.16
TBVpS4.67
PEG (NY)0.82
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score4
Asset Turnover0.07
Health
Industry RankSector 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
WACC10.97%
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 5Y49.44%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.77%
Revenue Next Year29.04%
Revenue Next 2Y24.7%
Revenue Next 3Y21.95%
Revenue Next 5Y17.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year358.28%
EBIT Next 3Y102.41%
EBIT Next 5Y52.58%
FCF growth 1Y68.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.61%
OCF growth 3YN/A
OCF growth 5YN/A