Fundamental Analysis of SOFI TECHNOLOGIES INC(NASDAQ:SOFI) stock

Fundamental Rating

Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 51 industry peers in the Consumer Finance industry. SOFI has a bad profitability rating. Also its financial health evaluation is rather negative. SOFI is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

SOFI had negative earnings in the past year.

SOFI had a negative operating cash flow in the past year.

In the past 5 years SOFI always reported negative net income.

SOFI had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -1.13%, SOFI is doing worse than 68.63% of the companies in the same industry.

Looking at the Return On Equity, with a value of -6.14%, SOFI is doing worse than 68.63% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-1.13%
ROE	-6.14%
ROIC	N/A

ROA(3y)-2.92%

ROA(5y)-3.21%

ROE(3y)-7.94%

ROE(5y)-9.35%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SOFI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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

Compared to 1 year ago, SOFI has an improved debt to assets ratio.

2.2 Solvency

SOFI has a Debt/Equity ratio of 0.94. This is a neutral value indicating SOFI is somewhat dependend on debt financing.

SOFI has a better Debt to Equity ratio (0.94) than 66.67% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.94
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 70.00%, which is quite impressive.

The Revenue has grown by 34.90% in the past year. This is a very strong growth!

Measured over the past years, SOFI shows a very strong growth in Revenue. The Revenue has been growing by 51.11% on average per year.

EPS 1Y (TTM)70%

EPS 3YN/A

EPS 5YN/A

EPS growth Q2Q140%

Revenue 1Y (TTM)34.9%

Revenue growth 3Y55.41%

Revenue growth 5Y51.11%

Revenue growth Q2Q34.75%

3.2 Future

The Earnings Per Share is expected to grow by 59.28% on average over the next years. This is a very strong growth

SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.16% yearly.

EPS Next Y166.87%

EPS Next 2Y101.88%

EPS Next 3Y83.05%

EPS Next 5Y59.28%

Revenue Next Year14.65%

Revenue Next 2Y15.75%

Revenue Next 3Y15.89%

Revenue Next 5Y19.16%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SOFI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 86.74.

SOFI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 68.63% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 20.88. SOFI is valued rather expensively when compared to this.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	86.74

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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 83.05% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y101.88%

EPS Next 3Y83.05%

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5. Dividend

5.1 Amount

No dividends for SOFI!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (5/3/2024, 7:19:10 PM)

After market: 6.96 0 (0%)

6.96

-0.03 (-0.43%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap7.35B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	86.74
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.13%
ROE	-6.14%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	0.94
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)70%

EPS 3YN/A

EPS 5Y

EPS growth Q2Q

EPS Next Y166.87%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)34.9%

Revenue growth 3Y55.41%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

SOFI TECHNOLOGIES INC (SOFI)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens