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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

USA - NASDAQ:SOFI - US83406F1021 - Common Stock

27.875 USD
+0.68 (+2.52%)
Last: 10/23/2025, 9:48:09 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. SOFI may be in some trouble as it scores bad on both profitability and health. 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

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

SOFI's Return On Assets of 1.37% is in line compared to the rest of the industry. SOFI outperforms 41.82% of its industry peers.
SOFI has a Return On Equity of 8.19%. This is comparable to the rest of the industry: SOFI outperforms 45.45% of its industry peers.
Industry RankSector Rank
ROA 1.37%
ROE 8.19%
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

The Profit Margin of SOFI (18.37%) is better than 78.18% 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) 18.37%
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.
SOFI has a better debt/assets ratio than last year.
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 0.57. This is a neutral value indicating SOFI is somewhat dependend on debt financing.
SOFI's Debt to Equity ratio of 0.57 is fine compared to the rest of the industry. SOFI outperforms 72.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.27%
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 1100.00% over the past year.
The Revenue has grown by 27.62% 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)1100%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.77%

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 49.44% on average per year.
SOFI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.24% yearly.
EPS Next Y146.94%
EPS Next 2Y108.58%
EPS Next 3Y80.96%
EPS Next 5Y49.44%
Revenue Next Year34.51%
Revenue Next 2Y29.12%
Revenue Next 3Y25.81%
Revenue Next 5Y17.24%

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

SOFI is valuated quite expensively with a Price/Earnings ratio of 116.15.
Based on the Price/Earnings ratio, SOFI is valued more expensive than 83.64% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.57, SOFI is valued quite expensively.
With a Price/Forward Earnings ratio of 49.28, SOFI can be considered very expensive at the moment.
72.73% 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 23.09.
Industry RankSector Rank
PE 116.15
Fwd PE 49.28
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 -2 4

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 80.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y108.58%
EPS Next 3Y80.96%

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0

5. Dividend

5.1 Amount

SOFI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (10/23/2025, 9:48:09 AM)

27.875

+0.68 (+2.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-29 2025-07-29/bmo
Earnings (Next)10-28 2025-10-28/amc
Inst Owners53.67%
Inst Owner Change-0.02%
Ins Owners3.16%
Ins Owner Change1.02%
Market Cap33.08B
Revenue(TTM)3.06B
Net Income(TTM)561.60M
Analysts68.97
Price Target21.29 (-23.62%)
Short Float %9.38%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)49.18%
Min EPS beat(2)29.96%
Max EPS beat(2)68.4%
EPS beat(4)4
Avg EPS beat(4)34.29%
Min EPS beat(4)14.77%
Max EPS beat(4)68.4%
EPS beat(8)8
Avg EPS beat(8)94.98%
EPS beat(12)12
Avg EPS beat(12)71.23%
EPS beat(16)16
Avg EPS beat(16)59.17%
Revenue beat(2)2
Avg Revenue beat(2)3.46%
Min Revenue beat(2)2.15%
Max Revenue beat(2)4.77%
Revenue beat(4)4
Avg Revenue beat(4)5.33%
Min Revenue beat(4)2.15%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)3.84%
Revenue beat(12)12
Avg Revenue beat(12)3.77%
Revenue beat(16)16
Avg Revenue beat(16)4.24%
PT rev (1m)0.67%
PT rev (3m)32.52%
EPS NQ rev (1m)3.62%
EPS NQ rev (3m)16.85%
EPS NY rev (1m)0.98%
EPS NY rev (3m)11.72%
Revenue NQ rev (1m)1.2%
Revenue NQ rev (3m)5.35%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)4.49%
Valuation
Industry RankSector Rank
PE 116.15
Fwd PE 49.28
P/S 10.82
P/FCF N/A
P/OCF N/A
P/B 4.82
P/tB 6.36
EV/EBITDA N/A
EPS(TTM)0.24
EY0.86%
EPS(NY)0.57
Fwd EY2.03%
FCF(TTM)-2.55
FCFYN/A
OCF(TTM)-2.38
OCFYN/A
SpS2.58
BVpS5.78
TBVpS4.38
PEG (NY)0.79
PEG (5Y)N/A
Graham Number5.59
Profitability
Industry RankSector Rank
ROA 1.37%
ROE 8.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.37%
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-Score4
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 96.74%
Cap/Sales 6.88%
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-Score4
WACC12.27%
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)1100%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
EPS Next Y146.94%
EPS Next 2Y108.58%
EPS Next 3Y80.96%
EPS Next 5Y49.44%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%43.77%
Revenue Next Year34.51%
Revenue Next 2Y29.12%
Revenue Next 3Y25.81%
Revenue Next 5Y17.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year365.8%
EBIT Next 3Y105.66%
EBIT Next 5Y52.58%
FCF growth 1Y68.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.61%
OCF growth 3YN/A
OCF growth 5YN/A