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SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

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

13.57  -0.9 (-6.22%)

After market: 13.59 +0.02 (+0.15%)

Fundamental Rating

2

Taking everything into account, SOFI scores 2 out of 10 in our fundamental rating. SOFI was compared to 53 industry peers in the Consumer Finance industry. SOFI has a bad profitability rating. Also its financial health evaluation is rather negative. 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

SOFI had positive earnings in the past year.
SOFI had a negative operating cash flow in the past year.
In the past 5 years SOFI always reported negative net income.
SOFI had a negative operating cash flow in each of the past 5 years.
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 has a Return On Assets of 0.54%. This is in the lower half of the industry: SOFI underperforms 65.38% of its industry peers.
SOFI's Return On Equity of 3.01% is on the low side compared to the rest of the industry. SOFI is outperformed by 69.23% 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

SOFI has a Profit Margin (7.21%) 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) 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.
Compared to 1 year ago, SOFI has more shares outstanding
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 0.52. 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 73.08% 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
WACC9.52%
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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4

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.
The Revenue is expected to grow by 15.08% on average over the next years. This is quite good.
EPS Next Y106.6%
EPS Next 2Y104.6%
EPS Next 3Y83.44%
EPS Next 5Y51.58%
Revenue Next Year26.85%
Revenue Next 2Y23.4%
Revenue Next 3Y22.29%
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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2

4. Valuation

4.1 Price/Earnings Ratio

SOFI is valuated quite expensively with a Price/Earnings ratio of 104.38.
Based on the Price/Earnings ratio, SOFI is valued a bit more expensive than 78.85% of the companies in the same industry.
When comparing the Price/Earnings ratio of SOFI to the average of the S&P500 Index (29.98), we can say SOFI is valued expensively.
SOFI is valuated quite expensively with a Price/Forward Earnings ratio of 50.53.
SOFI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 75.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, SOFI is valued quite expensively.
Industry RankSector Rank
PE 104.38
Fwd PE 50.53
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 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 83.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)N/A
EPS Next 2Y104.6%
EPS Next 3Y83.44%

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0

5. Dividend

5.1 Amount

No dividends for SOFI!.
Industry RankSector Rank
Dividend Yield N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (3/3/2025, 4:25:58 PM)

After market: 13.59 +0.02 (+0.15%)

13.57

-0.9 (-6.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2025-01-27/bmo
Earnings (Next)04-28 2025-04-28/amc
Inst Owners48.01%
Inst Owner Change5.42%
Ins Owners3.28%
Ins Owner Change1.2%
Market Cap14.86B
Analysts56.52
Price Target13.99 (3.1%)
Short Float %12%
Short Ratio2.85
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)8.47%
PT rev (3m)33.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE 104.38
Fwd PE 50.53
P/S 5.82
P/FCF N/A
P/OCF N/A
P/B 2.43
P/tB 3.37
EV/EBITDA N/A
EPS(TTM)0.13
EY0.96%
EPS(NY)0.27
Fwd EY1.98%
FCF(TTM)-1.21
FCFYN/A
OCF(TTM)-1.07
OCFYN/A
SpS2.33
BVpS5.59
TBVpS4.03
PEG (NY)0.98
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
WACC9.52%
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 Y106.6%
EPS Next 2Y104.6%
EPS Next 3Y83.44%
EPS Next 5Y51.58%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.38%
Revenue Next Year26.85%
Revenue Next 2Y23.4%
Revenue Next 3Y22.29%
Revenue Next 5Y15.08%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year351.99%
EBIT Next 3Y91.15%
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