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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

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

25.82 USD
-1.46 (-5.35%)
Last: 12/15/2025, 6:50:03 PM
25.6916 USD
-0.13 (-0.5%)
After Hours: 12/15/2025, 6:50:03 PM
Fundamental Rating

2

Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 55 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

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 comparable to the rest of the industry.
SOFI's Return On Equity of 7.29% is on the low side compared to the rest of the industry. SOFI is outperformed by 61.82% 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

SOFI has a better Profit Margin (19.27%) than 74.55% of 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) 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.
SOFI has more shares outstanding than it did 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 has a better Debt to Equity ratio (0.31) than 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.63%
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 200.00%, which is quite impressive.
SOFI shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.98%.
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

The Earnings Per Share is expected to grow by 53.04% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 18.99% on average over the next years. This is quite good.
EPS Next Y183.55%
EPS Next 2Y117.4%
EPS Next 3Y86.52%
EPS Next 5Y53.04%
Revenue Next Year39.48%
Revenue Next 2Y33.32%
Revenue Next 3Y29.3%
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 86.07.
Based on the Price/Earnings ratio, SOFI is valued expensively inside the industry as 80.00% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of SOFI to the average of the S&P500 Index (26.55), we can say SOFI is valued expensively.
A Price/Forward Earnings ratio of 42.02 indicates a quite expensive valuation of SOFI.
Based on the Price/Forward Earnings ratio, SOFI is valued a bit more expensive than 72.73% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SOFI to the average of the S&P500 Index (23.78), we can say SOFI is valued expensively.
Industry RankSector Rank
PE 86.07
Fwd PE 42.02
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

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 86.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y117.4%
EPS Next 3Y86.52%

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0

5. Dividend

5.1 Amount

SOFI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (12/15/2025, 6:50:03 PM)

After market: 25.6916 -0.13 (-0.5%)

25.82

-1.46 (-5.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-26 2026-01-26/amc
Inst Owners54.23%
Inst Owner Change11.36%
Ins Owners3.16%
Ins Owner Change1.6%
Market Cap31.14B
Revenue(TTM)3.32B
Net Income(TTM)640.24M
Analysts68.97
Price Target27.48 (6.43%)
Short Float %9.96%
Short Ratio1.56
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)4.89%
Min Revenue beat(2)4.77%
Max Revenue beat(2)5.01%
Revenue beat(4)4
Avg Revenue beat(4)4.85%
Min Revenue beat(4)2.15%
Max Revenue beat(4)7.49%
Revenue beat(8)8
Avg Revenue beat(8)4.28%
Revenue beat(12)12
Avg Revenue beat(12)3.7%
Revenue beat(16)16
Avg Revenue beat(16)4.18%
PT rev (1m)17.01%
PT rev (3m)29.9%
EPS NQ rev (1m)2.16%
EPS NQ rev (3m)30.27%
EPS NY rev (1m)1.13%
EPS NY rev (3m)15.95%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)6.87%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)4.11%
Valuation
Industry RankSector Rank
PE 86.07
Fwd PE 42.02
P/S 9.37
P/FCF N/A
P/OCF N/A
P/B 3.55
P/tB 4.36
EV/EBITDA N/A
EPS(TTM)0.3
EY1.16%
EPS(NY)0.61
Fwd EY2.38%
FCF(TTM)-2.64
FCFYN/A
OCF(TTM)-2.45
OCFYN/A
SpS2.76
BVpS7.28
TBVpS5.92
PEG (NY)0.47
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
WACC11.63%
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 Y183.55%
EPS Next 2Y117.4%
EPS Next 3Y86.52%
EPS Next 5Y53.04%
Revenue 1Y (TTM)29.98%
Revenue growth 3Y39.52%
Revenue growth 5Y43.3%
Sales Q2Q%37.74%
Revenue Next Year39.48%
Revenue Next 2Y33.32%
Revenue Next 3Y29.3%
Revenue Next 5Y18.99%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year393.61%
EBIT Next 3Y113.73%
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.


What is the valuation status for SOFI stock?

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.


Can you provide the financial health for SOFI stock?

The financial health rating of SOFI TECHNOLOGIES INC (SOFI) is 1 / 10.


Is the dividend of SOFI TECHNOLOGIES INC sustainable?

The dividend rating of SOFI TECHNOLOGIES INC (SOFI) is 0 / 10 and the dividend payout ratio is 0%.