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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

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

13.27  -0.46 (-3.35%)

Premarket: 13.11 -0.16 (-1.21%)

Fundamental Rating

2

Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 52 industry peers in the Consumer Finance industry. Both the profitability and financial health of SOFI have multiple concerns. SOFI shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year SOFI was profitable.
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 of 1.25%. This is comparable to the rest of the industry: SOFI outperforms 42.31% of its industry peers.
The Return On Equity of SOFI (7.07%) is comparable to the rest of the industry.
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
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

The Profit Margin of SOFI (16.86%) is better than 76.92% 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) 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
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.
The number of shares outstanding for SOFI has been increased compared to 1 year ago.
The number of shares outstanding for SOFI has been increased compared to 5 years ago.
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 0.46 indicates that SOFI is not too dependend on debt financing.
The Debt to Equity ratio of SOFI (0.46) is better than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.98%
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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7

3. Growth

3.1 Past

SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 440.00%, which is quite impressive.
Looking at the last year, SOFI shows a very strong growth in Revenue. The Revenue has grown by 22.04%.
SOFI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 43.30% yearly.
EPS 1Y (TTM)440%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)22.04%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%32.73%

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 48.16% 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 14.74% on average per year.
EPS Next Y117.05%
EPS Next 2Y101.99%
EPS Next 3Y78.84%
EPS Next 5Y48.16%
Revenue Next Year28.43%
Revenue Next 2Y24.01%
Revenue Next 3Y21.52%
Revenue Next 5Y14.74%

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 78.06, SOFI can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of SOFI indicates a rather expensive valuation: SOFI more expensive than 82.69% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SOFI to the average of the S&P500 Index (26.60), we can say SOFI is valued expensively.
SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 25.02.
71.15% of the companies in the same industry are cheaper than SOFI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.43, SOFI is valued at the same level.
Industry RankSector Rank
PE 78.06
Fwd PE 25.02
SOFI Price Earnings VS Forward Price EarningsSOFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

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 4 6

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 78.84% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y101.99%
EPS Next 3Y78.84%

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0

5. Dividend

5.1 Amount

No dividends for SOFI!.
Industry RankSector Rank
Dividend Yield N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (5/20/2025, 8:00:02 PM)

Premarket: 13.11 -0.16 (-1.21%)

13.27

-0.46 (-3.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-28 2025-07-28/amc
Inst Owners48.01%
Inst Owner Change-0.74%
Ins Owners3.28%
Ins Owner Change1.12%
Market Cap14.65B
Analysts69.17
Price Target14.4 (8.52%)
Short Float %13.87%
Short Ratio2.51
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP3.49%
Div Incr Years0
Div Non Decr Years0
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)5.05%
Min Revenue beat(4)2.15%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)3.41%
Revenue beat(12)12
Avg Revenue beat(12)3.63%
Revenue beat(16)16
Avg Revenue beat(16)4.38%
PT rev (1m)2.92%
PT rev (3m)11.63%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)7.49%
EPS NY rev (3m)5.06%
Revenue NQ rev (1m)1.66%
Revenue NQ rev (3m)1.97%
Revenue NY rev (1m)1.77%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 78.06
Fwd PE 25.02
P/S 5.23
P/FCF N/A
P/OCF N/A
P/B 2.19
P/tB 2.93
EV/EBITDA N/A
EPS(TTM)0.17
EY1.28%
EPS(NY)0.53
Fwd EY4%
FCF(TTM)-1.83
FCFYN/A
OCF(TTM)-1.66
OCFYN/A
SpS2.54
BVpS6.05
TBVpS4.53
PEG (NY)0.67
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
WACC11.98%
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)440%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y117.05%
EPS Next 2Y101.99%
EPS Next 3Y78.84%
EPS Next 5Y48.16%
Revenue 1Y (TTM)22.04%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%32.73%
Revenue Next Year28.43%
Revenue Next 2Y24.01%
Revenue Next 3Y21.52%
Revenue Next 5Y14.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year323.54%
EBIT Next 3Y104.05%
EBIT Next 5Y52.58%
FCF growth 1Y76.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.28%
OCF growth 3YN/A
OCF growth 5YN/A