SOFI TECHNOLOGIES INC (SOFI) Fundamental Analysis & Valuation

NASDAQ:SOFI • US83406F1021

Current stock price

19.06 USD
+0.23 (+1.22%)
At close:
19.0174 USD
-0.04 (-0.22%)
After Hours:

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

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.
  • 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

  • Looking at the Return On Assets, with a value of 0.95%, SOFI is doing worse than 72.22% of the companies in the same industry.
  • SOFI has a worse Return On Equity (4.59%) than 77.78% of its industry peers.
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

  • SOFI has a Profit Margin (13.32%) which is in line with its industry peers.
  • SOFI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • The number of shares outstanding for SOFI has been increased compared to 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

  • A Debt/Equity ratio of 0.17 indicates that SOFI is not too dependend on debt financing.
  • SOFI has a better Debt to Equity ratio (0.17) 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
WACC12.03%
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

  • 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%.
  • The Revenue has been growing by 44.91% on average over the past years. This is a very strong growth!
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

  • The Earnings Per Share is expected to grow by 27.60% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 13.50% on average over the next years. This is quite good.
EPS Next Y61.21%
EPS Next 2Y47.91%
EPS Next 3Y39.54%
EPS Next 5Y27.6%
Revenue Next Year30.68%
Revenue Next 2Y26.17%
Revenue Next 3Y22.92%
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

  • SOFI is valuated quite expensively with a Price/Earnings ratio of 50.16.
  • Compared to the rest of the industry, the Price/Earnings ratio of SOFI indicates a rather expensive valuation: SOFI more expensive than 81.48% 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 27.66.
  • The Price/Forward Earnings ratio is 31.11, which means the current valuation is very expensive for SOFI.
  • 74.07% of the companies in the same industry are cheaper than SOFI, based on the Price/Forward Earnings ratio.
  • SOFI's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 38.00.
Industry RankSector Rank
PE 50.16
Fwd PE 31.11
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 8

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.
  • SOFI's earnings are expected to grow with 39.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y47.91%
EPS Next 3Y39.54%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SOFI Dividend Analysis

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 Fundamentals: All Metrics, Ratios and Statistics

SOFI TECHNOLOGIES INC

NASDAQ:SOFI (4/22/2026, 4:32:17 PM)

After market: 19.0174 -0.04 (-0.22%)

19.06

+0.23 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-30
Earnings (Next)04-29
Inst Owners55.63%
Inst Owner Change-0.01%
Ins Owners1.5%
Ins Owner Change1.61%
Market Cap24.31B
Revenue(TTM)3.61B
Net Income(TTM)481.32M
Analysts70
Price Target24.85 (30.38%)
Short Float %13.16%
Short Ratio2.46
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)-8.2%
PT rev (3m)-10.28%
EPS NQ rev (1m)0.8%
EPS NQ rev (3m)-4.03%
EPS NY rev (1m)-0.63%
EPS NY rev (3m)2.53%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)2.97%
Valuation
Industry RankSector Rank
PE 50.16
Fwd PE 31.11
P/S 6.73
P/FCF N/A
P/OCF N/A
P/B 2.32
P/tB 2.74
EV/EBITDA N/A
EPS(TTM)0.38
EY1.99%
EPS(NY)0.61
Fwd EY3.21%
FCF(TTM)-3.13
FCFYN/A
OCF(TTM)-2.93
OCFYN/A
SpS2.83
BVpS8.23
TBVpS6.95
PEG (NY)0.82
PEG (5Y)N/A
Graham Number8.38612 (-56%)
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
WACC12.03%
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 Y61.21%
EPS Next 2Y47.91%
EPS Next 3Y39.54%
EPS Next 5Y27.6%
Revenue 1Y (TTM)35.09%
Revenue growth 3Y31.93%
Revenue growth 5Y44.91%
Sales Q2Q%37.03%
Revenue Next Year30.68%
Revenue Next 2Y26.17%
Revenue Next 3Y22.92%
Revenue Next 5Y13.5%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year212.95%
EBIT Next 3Y69.73%
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 Fundamental Analysis FAQ

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

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


What is the valuation status of SOFI TECHNOLOGIES INC (SOFI) stock?

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


How profitable is SOFI TECHNOLOGIES INC (SOFI) stock?

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


Can you provide the PE and PB ratios for SOFI stock?

The Price/Earnings (PE) ratio for SOFI TECHNOLOGIES INC (SOFI) is 50.16 and the Price/Book (PB) ratio is 2.32.


How financially healthy is SOFI TECHNOLOGIES INC?

The financial health rating of SOFI TECHNOLOGIES INC (SOFI) is 2 / 10.