SOFI TECHNOLOGIES INC (SOFI)
US83406F1021 - Common Stock
Overall SOFI gets a fundamental rating of 2 out of 10. We evaluated SOFI against 52 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.
1. Profitability
1.1 Basic Checks
In the past year SOFI was profitable.
SOFI had a negative operating cash flow in the past year.
In the past 5 years SOFI always reported negative net income.
In the past 5 years SOFI always reported negative operating cash flow.
1.2 Ratios
SOFI has a worse Return On Assets (0.54%) than 63.46% of its industry peers.
The Return On Equity of SOFI (3.01%) is worse than 65.38% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
SOFI has a Profit Margin (7.21%) which is in line with its industry peers.
The 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) | 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
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.
The debt/assets ratio for SOFI has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.52 indicates that SOFI is somewhat dependend on debt financing.
SOFI has a Debt to Equity ratio of 0.52. This is in the better half of the industry: SOFI outperforms 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
SOFI shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.15%.
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)30.15%
Revenue growth 3Y55.41%
Revenue growth 5Y51.11%
Sales Q2Q%29.91%
3.2 Future
SOFI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 54.19% yearly.
The Revenue is expected to grow by 17.32% on average over the next years. This is quite good.
EPS Next Y206.53%
EPS Next 2Y109.55%
EPS Next 3Y82.72%
EPS Next 5Y54.19%
Revenue Next Year23.14%
Revenue Next 2Y20.49%
Revenue Next 3Y19.85%
Revenue Next 5Y17.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 160.20 indicates a quite expensive valuation of SOFI.
76.92% of the companies in the same industry are cheaper than SOFI, based on the Price/Earnings ratio.
SOFI is valuated expensively when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 55.83, the valuation of SOFI can be described as expensive.
Based on the Price/Forward Earnings ratio, SOFI is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.99, SOFI is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160.2 | ||
| Fwd PE | 55.83 |
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.
SOFI's earnings are expected to grow with 82.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y109.55%
EPS Next 3Y82.72%
5. Dividend
5.1 Amount
SOFI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SOFI TECHNOLOGIES INC
NASDAQ:SOFI (12/24/2024, 7:38:36 PM)
After market: 16.05 +0.03 (+0.19%)16.02
+0.39 (+2.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners38.58%
Inst Owner Change12.29%
Ins Owners3.29%
Ins Owner Change1.16%
Market Cap17.38B
Analysts67.27
Price Target10.98 (-31.46%)
Short Float %13.06%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)25.56%
PT rev (3m)28.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)17.34%
EPS NY rev (1m)2.73%
EPS NY rev (3m)20.43%
Revenue NQ rev (1m)-1.35%
Revenue NQ rev (3m)4.97%
Revenue NY rev (1m)-0.58%
Revenue NY rev (3m)3.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160.2 | ||
| Fwd PE | 55.83 | ||
| P/S | 6.8 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.84 | ||
| P/tB | 3.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.1
EY0.62%
EPS(NY)0.29
Fwd EY1.79%
FCF(TTM)-1.22
FCFYN/A
OCF(TTM)-1.08
OCFYN/A
SpS2.36
BVpS5.64
TBVpS4.07
PEG (NY)0.78
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC9.49%
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)152.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%266.67%
EPS Next Y206.53%
EPS Next 2Y109.55%
EPS Next 3Y82.72%
EPS Next 5Y54.19%
Revenue 1Y (TTM)30.15%
Revenue growth 3Y55.41%
Revenue growth 5Y51.11%
Sales Q2Q%29.91%
Revenue Next Year23.14%
Revenue Next 2Y20.49%
Revenue Next 3Y19.85%
Revenue Next 5Y17.32%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year351%
EBIT Next 3Y91.01%
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