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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

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

16.4599  +0.47 (+2.94%)

Fundamental Rating

2

Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of SOFI have multiple concerns. While showing a medium growth rate, SOFI is valued expensive at the moment.


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.
SOFI had negative earnings in each of the past 5 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 0 -2B -4B -6B

1.2 Ratios

With a Return On Assets value of 0.54%, SOFI is not doing good in the industry: 63.46% of the companies in the same industry are doing better.
SOFI's Return On Equity of 3.01% is on the low side compared to the rest of the industry. SOFI is outperformed by 65.38% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 3.01%
ROIC N/A
ROA(3y)-2.92%
ROA(5y)-3.21%
ROE(3y)-7.94%
ROE(5y)-9.35%
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 -2 -4 -6 -8 -10

1.3 Margins

Looking at the Profit Margin, with a value of 7.21%, SOFI is in line with its industry, outperforming 48.08% of the companies in the same industry.
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) 7.21%
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 -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.
SOFI has more shares outstanding than it did 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

SOFI has a Debt/Equity ratio of 0.52. This is a neutral value indicating SOFI is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.52, SOFI is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.67%
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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3. Growth

3.1 Past

SOFI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 208.33%, which is quite impressive.
EPS 1Y (TTM)208.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.38%

3.2 Future

SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.58% yearly.
Based on estimates for the next years, SOFI will show a quite strong growth in Revenue. The Revenue will grow by 15.08% on average per year.
EPS Next Y119.83%
EPS Next 2Y97.8%
EPS Next 3Y68.98%
EPS Next 5Y51.58%
Revenue Next Year17.95%
Revenue Next 2Y18.4%
Revenue Next 3Y15.87%
Revenue Next 5Y15.08%

3.3 Evolution

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 2018 2019 2020 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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4. Valuation

4.1 Price/Earnings Ratio

SOFI is valuated quite expensively with a Price/Earnings ratio of 126.61.
Based on the Price/Earnings ratio, SOFI is valued a bit more expensive than 75.00% of the companies in the same industry.
SOFI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.28.
A Price/Forward Earnings ratio of 57.60 indicates a quite expensive valuation of SOFI.
Based on the Price/Forward Earnings ratio, SOFI is valued a bit more expensive than 75.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 91.29, SOFI is valued a bit cheaper.
Industry RankSector Rank
PE 126.61
Fwd PE 57.6
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

4.3 Compensation for Growth

SOFI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SOFI's earnings are expected to grow with 68.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.06
PEG (5Y)N/A
EPS Next 2Y97.8%
EPS Next 3Y68.98%

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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 (1/30/2025, 2:34:10 PM)

16.4599

+0.47 (+2.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2025-01-27/bmo
Earnings (Next)N/A N/A
Inst Owners38.58%
Inst Owner Change-0.53%
Ins Owners3.29%
Ins Owner Change1.15%
Market Cap17.86B
Analysts55.24
Price Target12.9 (-21.63%)
Short Float %12.38%
Short Ratio2.63
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP20%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)63.03%
Min EPS beat(2)14.77%
Max EPS beat(2)111.29%
EPS beat(4)4
Avg EPS beat(4)144.74%
Min EPS beat(4)14.77%
Max EPS beat(4)375.92%
EPS beat(8)8
Avg EPS beat(8)89.76%
EPS beat(12)12
Avg EPS beat(12)63.29%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.28%
Min Revenue beat(2)3.66%
Max Revenue beat(2)6.89%
Revenue beat(4)4
Avg Revenue beat(4)3.71%
Min Revenue beat(4)1.9%
Max Revenue beat(4)6.89%
Revenue beat(8)8
Avg Revenue beat(8)3.12%
Revenue beat(12)12
Avg Revenue beat(12)3.96%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)5%
PT rev (3m)31.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)17.34%
EPS NY rev (1m)0%
EPS NY rev (3m)20.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.97%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)3.92%
Valuation
Industry RankSector Rank
PE 126.61
Fwd PE 57.6
P/S 6.99
P/FCF N/A
P/OCF N/A
P/B 2.92
P/tB 4.05
EV/EBITDA N/A
EPS(TTM)0.13
EY0.79%
EPS(NY)0.29
Fwd EY1.74%
FCF(TTM)-1.22
FCFYN/A
OCF(TTM)-1.08
OCFYN/A
SpS2.36
BVpS5.64
TBVpS4.07
PEG (NY)1.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 3.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.21%
GM N/A
FCFM N/A
ROA(3y)-2.92%
ROA(5y)-3.21%
ROE(3y)-7.94%
ROE(5y)-9.35%
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 0.52
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 76.71%
Cap/Sales 6.1%
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
WACC9.67%
ROIC/WACCN/A
Cap/Depr(3y)60.05%
Cap/Depr(5y)90.18%
Cap/Sales(3y)5.87%
Cap/Sales(5y)6.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)208.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
EPS Next Y119.83%
EPS Next 2Y97.8%
EPS Next 3Y68.98%
EPS Next 5Y51.58%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.38%
Revenue Next Year17.95%
Revenue Next 2Y18.4%
Revenue Next 3Y15.87%
Revenue Next 5Y15.08%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year350.84%
EBIT Next 3Y91.54%
EBIT Next 5Y49.65%
FCF growth 1Y78.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y80.77%
OCF growth 3YN/A
OCF growth 5YN/A