SOFI TECHNOLOGIES INC (SOFI) Fundamental Analysis & Valuation

NASDAQ:SOFI • US83406F1021

18.9 USD
-0.35 (-1.82%)
At close: Mar 6, 2026
18.5591 USD
-0.34 (-1.8%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall SOFI gets a fundamental rating of 3 out of 10. We evaluated SOFI against 54 industry peers in the Consumer Finance industry. SOFI has a bad profitability rating. Also its financial health evaluation is rather negative. SOFI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

1

1. SOFI Profitability Analysis

1.1 Basic Checks

  • SOFI had positive earnings in the past year.
  • SOFI had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: SOFI reported negative net income in multiple years.
  • SOFI had a negative operating cash flow in each of the past 5 years.
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 2025 0 -2B -4B -6B

1.2 Ratios

  • The Return On Assets of SOFI (0.95%) is worse than 72.22% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.59%, SOFI is doing worse than 79.63% 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
SOFI Yearly ROA, ROE, ROICSOFI 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%, SOFI is in line with its industry, outperforming 48.15% of the companies in the same industry.
  • 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) 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
SOFI Yearly Profit, Operating, Gross MarginsSOFI 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. SOFI Health Analysis

2.1 Basic Checks

  • SOFI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SOFI has more shares outstanding
  • SOFI has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SOFI has been reduced compared to a year ago.
SOFI Yearly Shares OutstandingSOFI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • A Debt/Equity ratio of 0.17 indicates that SOFI is not too dependend on debt financing.
  • The Debt to Equity ratio of SOFI (0.17) is better than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.92%
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 2025 0 5B -5B 10B

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 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. SOFI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 192.31% over the past year.
  • Looking at the last year, SOFI shows a very strong growth in Revenue. The Revenue has grown by 35.09%.
  • Measured over the past years, SOFI shows a very strong growth in Revenue. The Revenue has been growing by 44.91% on average per year.
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

  • Based on estimates for the next years, SOFI will show a very strong growth in Earnings Per Share. The EPS will grow by 27.60% on average per year.
  • Based on estimates for the next years, SOFI will show a quite strong growth in Revenue. The Revenue will grow by 13.50% on average per year.
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.
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 2033 2B 4B 6B 8B
SOFI Yearly EPS VS EstimatesSOFI 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. SOFI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 49.74 indicates a quite expensive valuation of SOFI.
  • Compared to the rest of the industry, the Price/Earnings ratio of SOFI indicates a rather expensive valuation: SOFI more expensive than 83.33% of the companies listed in the same industry.
  • SOFI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.29.
  • The Price/Forward Earnings ratio is 31.19, which means the current valuation is very expensive for SOFI.
  • SOFI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 72.22% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SOFI to the average of the S&P500 Index (24.57), we can say SOFI is valued slightly more expensively.
Industry RankSector Rank
PE 49.74
Fwd PE 31.19
SOFI Price Earnings VS Forward Price EarningsSOFI 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
SOFI Per share dataSOFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

  • SOFI'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 SOFI's earnings are expected to grow with 39.76% in the coming years.
PEG (NY)0.84
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. SOFI Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

SOFI Fundamentals: All Metrics, Ratios and Statistics

SOFI TECHNOLOGIES INC

NASDAQ:SOFI (3/6/2026, 8:00:02 PM)

After market: 18.5591 -0.34 (-1.8%)

18.9

-0.35 (-1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners55.99%
Inst Owner Change6.37%
Ins Owners3.02%
Ins Owner Change1.64%
Market Cap24.10B
Revenue(TTM)3.61B
Net Income(TTM)481.32M
Analysts70.34
Price Target27.07 (43.23%)
Short Float %10.04%
Short Ratio2.2
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
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)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)4.07%
Revenue beat(12)12
Avg Revenue beat(12)3.3%
Revenue beat(16)16
Avg Revenue beat(16)4.18%
PT rev (1m)-2.26%
PT rev (3m)-1.48%
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 49.74
Fwd PE 31.19
P/S 6.63
P/FCF N/A
P/OCF N/A
P/B 2.28
P/tB 2.7
EV/EBITDA N/A
EPS(TTM)0.38
EY2.01%
EPS(NY)0.61
Fwd EY3.21%
FCF(TTM)-3.15
FCFYN/A
OCF(TTM)-2.95
OCFYN/A
SpS2.85
BVpS8.28
TBVpS6.99
PEG (NY)0.84
PEG (5Y)N/A
Graham Number8.41
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
WACC11.92%
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 5Y32.63%
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 / SOFI FAQ

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

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


Can you provide the valuation status for SOFI TECHNOLOGIES INC?

ChartMill assigns a valuation rating of 2 / 10 to SOFI TECHNOLOGIES INC (SOFI). This can be considered as Overvalued.


What is the profitability of SOFI stock?

SOFI TECHNOLOGIES INC (SOFI) has a profitability rating of 1 / 10.


What is the expected EPS growth for SOFI TECHNOLOGIES INC (SOFI) stock?

The Earnings per Share (EPS) of SOFI TECHNOLOGIES INC (SOFI) is expected to grow by 59.49% in the next year.


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

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