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

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to SOFI. SOFI was compared to 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 quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SOFI has reported negative net income.

In the past year SOFI has reported a negative cash flow from operations.

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

SOFI had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

SOFI's Return On Assets of -0.70% is on the low side compared to the rest of the industry. SOFI is outperformed by 70.59% of its industry peers.

With a Return On Equity value of -3.56%, SOFI is not doing good in the industry: 70.59% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.7%
ROE	-3.56%
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

The Profit Margin and Operating Margin and Gross Margin are not available for SOFI so they could not be analyzed.

		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.

Compared to 1 year ago, SOFI has more shares outstanding

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

2.2 Solvency

A Debt/Equity ratio of 0.47 indicates that SOFI is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.47, SOFI is in the better half of the industry, outperforming 76.47% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.47
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.18%

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

The Earnings Per Share has grown by an impressive 83.87% over the past year.

The Revenue has grown by 33.83% in the past year. This is a very strong growth!

The Revenue has been growing by 51.11% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)83.87%

EPS 3YN/A

EPS 5YN/A

EPS growth Q2Q140%

Revenue 1Y (TTM)33.83%

Revenue growth 3Y55.41%

Revenue growth 5Y51.11%

Revenue growth Q2Q26.18%

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 Y166.87%

EPS Next 2Y101.88%

EPS Next 3Y83.05%

EPS Next 5Y55.37%

Revenue Next Year14.65%

Revenue Next 2Y15.75%

Revenue Next 3Y15.89%

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

SOFI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Based on the Price/Forward Earnings ratio of 29.23, the valuation of SOFI can be described as expensive.

70.59% of the companies in the same industry are cheaper than SOFI, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of SOFI to the average of the S&P500 Index (20.15), we can say SOFI is valued slightly more expensively.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	29.23

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 83.05% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y101.88%

EPS Next 3Y83.05%

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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 (5/17/2024, 7:00:03 PM)

After market: 7.29 +0.01 (+0.14%)

7.28

+0.16 (+2.25%)

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 Cap7.69B

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	N/A
Fwd PE	29.23
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)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.7%
ROE	-3.56%
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	0.47
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)

Growth

EPS 1Y (TTM)83.87%

EPS 3YN/A

EPS 5Y

EPS growth Q2Q

EPS Next Y166.87%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)33.83%

Revenue growth 3Y55.41%

Revenue growth 5Y

Revenue growth 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

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