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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

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

18.57  +0.45 (+2.48%)

After market: 18.52 -0.05 (-0.27%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to SOFI. SOFI was compared to 52 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 expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year SOFI was profitable.
In the past year SOFI has reported a negative cash flow from operations.
In the past 5 years SOFI reported 4 times negative net income.
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

The Return On Assets of SOFI (1.25%) is comparable to the rest of the industry.
SOFI's Return On Equity of 7.07% is in line compared to the rest of the industry. SOFI outperforms 40.38% of its industry peers.
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

SOFI has a better Profit Margin (16.86%) than 78.85% 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.
SOFI's Debt to Equity ratio of 0.46 is fine compared to the rest of the industry. SOFI outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.26%
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%.
Measured over the past years, SOFI shows a very strong growth in Revenue. The Revenue has been growing by 43.30% on average per year.
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

SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.16% yearly.
The Revenue is expected to grow by 14.74% on average over the next years. This is quite good.
EPS Next Y118.77%
EPS Next 2Y101.76%
EPS Next 3Y78.85%
EPS Next 5Y48.16%
Revenue Next Year28.66%
Revenue Next 2Y23.94%
Revenue Next 3Y21.43%
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

A Price/Earnings ratio of 109.24 indicates a quite expensive valuation of SOFI.
SOFI's Price/Earnings ratio is rather expensive when compared to the industry. SOFI is more expensive than 82.69% of the companies in the same industry.
SOFI is valuated expensively when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 35.09.
Based on the Price/Forward Earnings ratio, SOFI is valued a bit more expensive than 73.08% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SOFI to the average of the S&P500 Index (21.90), we can say SOFI is valued expensively.
Industry RankSector Rank
PE 109.24
Fwd PE 35.09
SOFI Price Earnings VS Forward Price EarningsSOFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

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 78.85% in the coming years.
PEG (NY)0.92
PEG (5Y)N/A
EPS Next 2Y101.76%
EPS Next 3Y78.85%

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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 (7/3/2025, 8:10:03 PM)

After market: 18.52 -0.05 (-0.27%)

18.57

+0.45 (+2.48%)

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 Owners47.46%
Inst Owner Change-0.68%
Ins Owners3.28%
Ins Owner Change1.15%
Market Cap20.53B
Analysts70
Price Target14.41 (-22.4%)
Short Float %13.88%
Short Ratio2.19
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)0.1%
PT rev (3m)3.02%
EPS NQ rev (1m)2.27%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.79%
EPS NY rev (3m)5.89%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)1.87%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)1.83%
Valuation
Industry RankSector Rank
PE 109.24
Fwd PE 35.09
P/S 7.33
P/FCF N/A
P/OCF N/A
P/B 3.07
P/tB 4.1
EV/EBITDA N/A
EPS(TTM)0.17
EY0.92%
EPS(NY)0.53
Fwd EY2.85%
FCF(TTM)-1.83
FCFYN/A
OCF(TTM)-1.66
OCFYN/A
SpS2.53
BVpS6.04
TBVpS4.53
PEG (NY)0.92
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
WACC11.26%
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 Y118.77%
EPS Next 2Y101.76%
EPS Next 3Y78.85%
EPS Next 5Y48.16%
Revenue 1Y (TTM)22.04%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%32.73%
Revenue Next Year28.66%
Revenue Next 2Y23.94%
Revenue Next 3Y21.43%
Revenue Next 5Y14.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year320.39%
EBIT Next 3Y94.26%
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