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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SOFI - US83406F1021 - Common Stock

26.88 USD
-0.12 (-0.44%)
Last: 1/8/2026, 9:50:09 AM
Fundamental Rating

2

SOFI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 55 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

SOFI had positive earnings in the past year.
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 (1.41%) is worse than 61.82% of its industry peers.
The Return On Equity of SOFI (7.29%) is worse than 65.45% of its industry peers.
Industry RankSector Rank
ROA 1.41%
ROE 7.29%
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

Looking at the Profit Margin, with a value of 19.27%, SOFI is in the better half of the industry, outperforming 70.91% 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 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.
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 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

SOFI has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
SOFI's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. SOFI outperforms 78.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.22%
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

The Earnings Per Share has grown by an impressive 200.00% over the past year.
The Revenue has grown by 29.98% in the past year. This is a very strong growth!
SOFI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 43.30% yearly.
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%120%
Revenue 1Y (TTM)29.98%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%37.74%

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 53.04% on average per year.
The Revenue is expected to grow by 18.99% on average over the next years. This is quite good.
EPS Next Y186.92%
EPS Next 2Y114.38%
EPS Next 3Y85.96%
EPS Next 5Y53.04%
Revenue Next Year39.37%
Revenue Next 2Y33.19%
Revenue Next 3Y29.06%
Revenue Next 5Y18.99%

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 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 0 0.5 -0.5 1 -1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

SOFI is valuated quite expensively with a Price/Earnings ratio of 89.60.
81.82% of the companies in the same industry are cheaper than SOFI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.92. SOFI is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 44.99, SOFI can be considered very expensive at the moment.
70.91% 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 rather expensive valuation when compared to the S&P500 average which is at 23.57.
Industry RankSector Rank
PE 89.6
Fwd PE 44.99
SOFI Price Earnings VS Forward Price EarningsSOFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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.
SOFI's earnings are expected to grow with 85.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y114.38%
EPS Next 3Y85.96%

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0

5. Dividend

5.1 Amount

No dividends for SOFI!.
Industry RankSector Rank
Dividend Yield 0%

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (1/8/2026, 9:50:09 AM)

26.88

-0.12 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-30 2026-01-30/amc
Inst Owners52.24%
Inst Owner Change0%
Ins Owners3.04%
Ins Owner Change1.51%
Market Cap32.41B
Revenue(TTM)3.32B
Net Income(TTM)640.24M
Analysts68.97
Price Target27.31 (1.6%)
Short Float %10.17%
Short Ratio1.79
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)-0.62%
PT rev (3m)28.24%
EPS NQ rev (1m)-1.07%
EPS NQ rev (3m)25.03%
EPS NY rev (1m)1.19%
EPS NY rev (3m)16.19%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)6.42%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)3.61%
Valuation
Industry RankSector Rank
PE 89.6
Fwd PE 44.99
P/S 9.76
P/FCF N/A
P/OCF N/A
P/B 3.69
P/tB 4.54
EV/EBITDA N/A
EPS(TTM)0.3
EY1.12%
EPS(NY)0.6
Fwd EY2.22%
FCF(TTM)-2.64
FCFYN/A
OCF(TTM)-2.45
OCFYN/A
SpS2.76
BVpS7.28
TBVpS5.92
PEG (NY)0.48
PEG (5Y)N/A
Graham Number7.01
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)-0.57%
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
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-Score5
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-Score5
WACC10.22%
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)200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%120%
EPS Next Y186.92%
EPS Next 2Y114.38%
EPS Next 3Y85.96%
EPS Next 5Y53.04%
Revenue 1Y (TTM)29.98%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%37.74%
Revenue Next Year39.37%
Revenue Next 2Y33.19%
Revenue Next 3Y29.06%
Revenue Next 5Y18.99%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year398.8%
EBIT Next 3Y113.29%
EBIT Next 5Y52.58%
FCF growth 1Y66.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y68.6%
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 186.92% 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%.