SOFI Fundamental Analysis - SOFI TECHNOLOGIES INC

Name: SOFI TECHNOLOGIES INC (SOFI) Stock
Brand: SOFI TECHNOLOGIES INC
Rating: 6.5 (3 reviews)

Fundamental Rating

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 has a bad profitability rating. Also its financial health evaluation is rather negative. SOFI shows excellent growth, but is valued quite expensive already.

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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.

SOFI had negative earnings in 4 of the past 5 years.

In the past 5 years SOFI always reported negative operating cash flow.

1.2 Ratios

SOFI has a Return On Assets of 1.37%. This is comparable to the rest of the industry: SOFI outperforms 41.82% of its industry peers.

The Return On Equity of SOFI (8.19%) is comparable to the rest of the industry.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 18.37%, SOFI is doing good in the industry, outperforming 78.18% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

The Debt to Equity ratio of SOFI (0.57) is better than 72.73% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 1100.00%, which is quite impressive.

The Revenue has grown by 27.62% in the past year. This is a very strong growth!

Measured over the past years, SOFI shows a very strong growth in Revenue. The Revenue has been growing by 43.30% on average per year.

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 Y146.95%

EPS Next 2Y109.68%

EPS Next 3Y81.32%

EPS Next 5Y49.44%

Revenue Next Year34.71%

Revenue Next 2Y29.36%

Revenue Next 3Y25.84%

Revenue Next 5Y17.24%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SOFI is valuated quite expensively with a Price/Earnings ratio of 131.83.

Compared to the rest of the industry, the Price/Earnings ratio of SOFI indicates a rather expensive valuation: SOFI more expensive than 83.64% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.08, SOFI is valued quite expensively.

A Price/Forward Earnings ratio of 55.36 indicates a quite expensive valuation of SOFI.

SOFI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 72.73% of the companies in the same industry.

SOFI is valuated expensively when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	131.83
Fwd PE	55.36

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as SOFI's earnings are expected to grow with 81.32% in the coming years.

PEG (NY)0.9

PEG (5Y)N/A

EPS Next 2Y109.68%

EPS Next 3Y81.32%

More info and screens

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5. Dividend

5.1 Amount

SOFI does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (10/28/2025, 3:58:59 PM)

31.64

+1.64 (+5.47%)

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/bmo

Inst Owners53.67%

Inst Owner Change0.3%

Ins Owners3.16%

Ins Owner Change1.02%

Market Cap37.55B

Revenue(TTM)3.06B

Net Income(TTM)561.60M

Analysts68.97

Price Target21.29 (-32.71%)

Short Float %8.74%

Short Ratio1.47

Dividend

		Industry Rank	Sector 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)1.04%

EPS NQ rev (3m)12.65%

EPS NY rev (1m)0%

EPS NY rev (3m)11.72%

Revenue NQ rev (1m)1.29%

Revenue NQ rev (3m)4.91%

Revenue NY rev (1m)0.55%

Revenue NY rev (3m)4.64%

Valuation

		Industry Rank	Sector Rank
PE	131.83
Fwd PE	55.36
P/S	12.28
P/FCF	N/A
P/OCF	N/A
P/B	5.47
P/tB	7.22
EV/EBITDA	N/A

EPS(TTM)0.24

EY0.76%

EPS(NY)0.57

Fwd EY1.81%

FCF(TTM)-2.55

FCFYN/A

OCF(TTM)-2.38

OCFYN/A

SpS2.58

BVpS5.78

TBVpS4.38

PEG (NY)0.9

PEG (5Y)N/A

Graham Number5.59

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC12.15%

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 Y146.95%

EPS Next 2Y109.68%

EPS Next 3Y81.32%

EPS Next 5Y49.44%

Revenue 1Y (TTM)27.62%

Revenue growth 3Y39.52%

Revenue growth 5Y43.3%

Sales Q2Q%43.77%

Revenue Next Year34.71%

Revenue Next 2Y29.36%

Revenue Next 3Y25.84%

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

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%.

SOFI TECHNOLOGIES INC (SOFI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

SOFI TECHNOLOGIES INC / SOFI FAQ

Can you provide the ChartMill fundamental rating for SOFI TECHNOLOGIES INC?

What is the valuation status for SOFI stock?

What is the profitability of SOFI stock?

Can you provide the financial health for SOFI stock?

Is the dividend of SOFI TECHNOLOGIES INC sustainable?