Fundamental Analysis of SOFI TECHNOLOGIES INC(NASDAQ:SOFI) stock

Fundamental Rating

Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 51 industry peers in the Consumer Finance industry. SOFI may be in some trouble as it scores bad on both profitability and health. SOFI is valued quite expensive, but it does show an excellent growth.

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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.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.47%, SOFI is doing worse than 70.59% of the companies in the same industry.

Looking at the Return On Equity, with a value of -2.60%, SOFI is doing worse than 72.55% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-0.47%
ROE	-2.6%
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

1.3 Margins

SOFI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
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.

SOFI has more shares outstanding than it did 1 year ago.

SOFI has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.53 indicates that SOFI is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.53, SOFI is in the better half of the industry, outperforming 78.43% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.53
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.42%

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 152.63%, which is quite impressive.

The Revenue has grown by 27.31% 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 51.11% yearly.

EPS 1Y (TTM)152.63%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%266.67%

Revenue 1Y (TTM)27.31%

Revenue growth 3Y55.41%

Revenue growth 5Y51.11%

Sales Q2Q%29.91%

3.2 Future

The Earnings Per Share is expected to grow by 55.37% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 16.07% on average over the next years. This is quite good.

EPS Next Y203.7%

EPS Next 2Y110.8%

EPS Next 3Y84.82%

EPS Next 5Y55.37%

Revenue Next Year23.86%

Revenue Next 2Y20.81%

Revenue Next 3Y19.91%

Revenue Next 5Y16.07%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 146.70 indicates a quite expensive valuation of SOFI.

SOFI's Price/Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 74.51% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.65, SOFI is valued quite expensively.

The Price/Forward Earnings ratio is 50.03, which means the current valuation is very expensive for SOFI.

SOFI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOFI is more expensive than 74.51% of the companies in the same industry.

SOFI's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.56.

		Industry Rank	Sector Rank
PE	146.7
Fwd PE	50.03

4.2 Price Multiples

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

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.

A more expensive valuation may be justified as SOFI's earnings are expected to grow with 84.82% in the coming years.

PEG (NY)0.72

PEG (5Y)N/A

EPS Next 2Y110.8%

EPS Next 3Y84.82%

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5. Dividend

5.1 Amount

No dividends for SOFI!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SOFI TECHNOLOGIES INC

NASDAQ:SOFI (11/20/2024, 8:00:02 PM)

Premarket: 14.76 +0.09 (+0.61%)

14.67

+0.25 (+1.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap15.92B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	146.7
Fwd PE	50.03
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.72

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.47%
ROE	-2.6%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	0.53
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)152.63%

EPS 3YN/A

EPS 5Y

EPS Q2Q%

EPS Next Y203.7%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)27.31%

Revenue growth 3Y55.41%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

SOFI TECHNOLOGIES INC (SOFI)

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