SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:SOFI • US83406F1021

20.86 USD
+1.4 (+7.19%)
At close: Feb 6, 2026
21.2 USD
+0.34 (+1.63%)
After Hours: 2/6/2026, 8:06:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, SOFI scores 2 out of 10 in our fundamental rating. SOFI was compared to 54 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

1

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.
  • The reported net income has been mixed in the past 5 years: SOFI reported negative net income in multiple 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 2025 0 -2B -4B -6B

1.2 Ratios

  • With a Return On Assets value of 1.41%, SOFI is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • SOFI has a Return On Equity of 7.29%. This is in the lower half of the industry: SOFI underperforms 66.67% of its industry peers.
Industry RankSector Rank
ROA 1.41%
ROE 7.29%
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 19.27%, SOFI is in the better half of the industry, outperforming 70.37% 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) 19.27%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • 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

  • SOFI has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.31, SOFI is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.61%
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 800M

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

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 192.31%, which is quite impressive.
  • 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

  • SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.60% yearly.
  • Based on estimates for the next years, SOFI will show a quite strong growth in Revenue. The Revenue will grow by 13.53% on average per year.
EPS Next Y59.49%
EPS Next 2Y48.91%
EPS Next 3Y39.76%
EPS Next 5Y27.6%
Revenue Next Year29.76%
Revenue Next 2Y25.9%
Revenue Next 3Y22.29%
Revenue Next 5Y13.53%

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.
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 54.89 indicates a quite expensive valuation of SOFI.
  • 83.33% of the companies in the same industry are cheaper than SOFI, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, SOFI is valued quite expensively.
  • With a Price/Forward Earnings ratio of 34.42, 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 72.22% of the companies are valued more cheaply.
  • SOFI is valuated rather expensively when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 54.89
Fwd PE 34.42
SOFI Price Earnings VS Forward Price EarningsSOFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

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

  • 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)0.92
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

  • SOFI 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

NASDAQ:SOFI (2/6/2026, 8:06:42 PM)

After market: 21.2 +0.34 (+1.63%)

20.86

+1.4 (+7.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-27
Inst Owners52.24%
Inst Owner Change-0.38%
Ins Owners3.04%
Ins Owner Change1.53%
Market Cap25.16B
Revenue(TTM)3.61B
Net Income(TTM)640.24M
Analysts70
Price Target27.27 (30.73%)
Short Float %9.76%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)31.21%
Min EPS beat(2)29.96%
Max EPS beat(2)32.45%
EPS beat(4)4
Avg EPS beat(4)38.71%
Min EPS beat(4)24.01%
Max EPS beat(4)68.4%
EPS beat(8)8
Avg EPS beat(8)91.72%
EPS beat(12)12
Avg EPS beat(12)72.74%
EPS beat(16)16
Avg EPS beat(16)57.15%
Revenue beat(2)2
Avg Revenue beat(2)4.57%
Min Revenue beat(2)4.33%
Max Revenue beat(2)4.81%
Revenue beat(4)4
Avg Revenue beat(4)4.71%
Min Revenue beat(4)2.21%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)4.21%
Revenue beat(12)12
Avg Revenue beat(12)3.65%
Revenue beat(16)16
Avg Revenue beat(16)4.14%
PT rev (1m)-0.13%
PT rev (3m)16.13%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)0.96%
EPS NY rev (1m)1.44%
EPS NY rev (3m)-1.12%
Revenue NQ rev (1m)0.64%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)2.26%
Revenue NY rev (3m)2.64%
Valuation
Industry RankSector Rank
PE 54.89
Fwd PE 34.42
P/S 7.57
P/FCF N/A
P/OCF N/A
P/B 2.87
P/tB 3.52
EV/EBITDA N/A
EPS(TTM)0.38
EY1.82%
EPS(NY)0.61
Fwd EY2.91%
FCF(TTM)-2.64
FCFYN/A
OCF(TTM)-2.45
OCFYN/A
SpS2.76
BVpS7.28
TBVpS5.92
PEG (NY)0.92
PEG (5Y)N/A
Graham Number7.89
Profitability
Industry RankSector Rank
ROA 1.41%
ROE 7.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.27%
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-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 101.25%
Cap/Sales 6.85%
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
WACC10.61%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Year29.76%
Revenue Next 2Y25.9%
Revenue Next 3Y22.29%
Revenue Next 5Y13.53%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year206.01%
EBIT Next 3Y58.81%
EBIT Next 5Y32.63%
FCF growth 1Y-140.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-152.76%
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 2 / 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%.