Overview Dividends

(SOFI) SoFi Technologies - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US83406F1021

Loans, Cards, Savings, Brokerage, Payments

Consumer Finance
Market Cap in USD: 32,999m

IPO / Inception: 2020-11-30
Return 12m vs S&P 500: 61.0%

EPS (Earnings per Share)

EPS CAGR: 178.72%
EPS Trend: 98.4%

Last SUE: 1.51
Qual. Beats: 3

Revenue

Rev. CAGR: 46.38%
Rev. Trend: 96.9%

Last SUE: 2.77
Qual. Beats: 3

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	60.6%
Value at Risk 5%th	97.3%
Relative Tail Risk	-2.35%

Reward TTM
Sharpe Ratio	1.23
Alpha	46.34
CAGR/Max DD	1.56

Character TTM
Hurst Exponent	0.362
Beta	2.370
Beta Downside	2.700

Drawdowns 3y
Max DD	47.31%
Mean DD	21.38%
Median DD	23.69%

Description: SOFI SoFi Technologies December 17, 2025

SoFi Technologies, Inc. (NASDAQ:SOFI) delivers a suite of consumer-focused financial services across the United States, Latin America, Canada, and Hong Kong through three operating segments: Lending, Technology Platform, and Financial Services. The Lending segment originates personal, student, and home loans, while the Technology Platform segment runs Galileo (a B2B payments infrastructure) and Technisys (a cloud-native core-banking solution). The Financial Services segment includes SoFi Money (checking/savings), SoFi Invest (trading and robo-advisory), SoFi Credit Card (cash-back), SoFi Relay (personal finance aggregation), SoFi Protect (insurance), SoFi Travel, SoFi At Work (employee benefits), Lantern Credit (marketplace), and a “lending-as-a-service” offering that supplies pre-qualified borrowers to third-party partners.

Key metrics as of Q4 2023 show total revenue of roughly $1.1 billion, up about 12 % year-over-year, driven largely by a 19 % increase in member-generated transaction volume. The platform now serves over 5.5 million members, a figure that has risen 14 % YoY, indicating strong network effects. Macro-level drivers include the ongoing digital-finance adoption trend and a high-interest-rate environment that boosts net-interest margins on loans but can pressure discretionary borrowing demand.

For a deeper quantitative dive, you might explore ValueRay’s analyst toolkit to assess how these dynamics translate into valuation outlooks.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (640.2m TTM) > 0 and > 6% of Revenue (6% = 266.5m TTM)

FCFTA -0.04 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -625.6% (prev -592.9%; Δ -32.75pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.03 (>3.0%) and CFO -1.57b <= Net Income 640.2m (YES >=105%, WARN >=100%)

Net Debt (-438.9m) to EBITDA (931.7m) ratio: -0.47 <= 3.0 (WARN <= 3.5)

Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.29b) change vs 12m ago 16.89% (target <= -2.0% for YES)

Gross Margin 74.08% (prev 68.75%; Δ 5.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 11.15% (prev 10.33%; Δ 0.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.63 (EBITDA TTM 931.7m / Interest Expense TTM 1.12b) >= 6 (WARN >= 3)

Altman Z'' -4.01

(A) -0.61 = (Total Current Assets 5.64b - Total Current Liabilities 33.43b) / Total Assets 45.29b

(B) -0.02 = Retained Earnings (Balance) -997.8m / Total Assets 45.29b

(D) -0.03 = Book Value of Equity -988.2m / Total Liabilities 36.51b

Total Rating: -4.01 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 46.36

1. Piotroski 4.0pt

2. FCF Yield -5.97%

3. FCF Margin -40.52%

4. Debt/Equity 0.32

5. Debt/Ebitda -0.47

6. ROIC - WACC (= -8.02)%

7. RoE 8.88%

8. Rev. Trend 96.90%

9. EPS Trend 98.42%

What is the price of SOFI shares?

As of January 10, 2026, the stock is trading at USD 27.72 with a total of 50,496,065 shares traded.
Over the past week, the price has changed by +0.95%, over one month by +0.40%, over three months by -1.07% and over the past year by +90.52%.

Is SOFI a buy, sell or hold?

SoFi Technologies has received a consensus analysts rating of 3.26. Therefor, it is recommend to hold SOFI.

Strong Buy: 4
Buy: 3
Hold: 8
Sell: 2
Strong Sell: 2

What are the forecasts/targets for the SOFI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	27.4	-1.2%
Analysts Target Price	27.4	-1.2%
ValueRay Target Price	33.5	21%

SOFI Fundamental Data Overview January 03, 2026

P/E Trailing = 46.75
P/E Forward = 44.0529
P/S = 10.028
P/B = 3.7584
P/EG = 2.0
Beta = 1.941
Revenue TTM = 4.44b USD
EBIT TTM = 706.9m USD
EBITDA TTM = 931.7m USD
Long Term Debt = 2.23b USD (from longTermDebt, last quarter)
Short Term Debt = 486.0m USD (from shortTermDebt, last quarter)
Debt = 2.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -438.9m USD (from netDebt column, last quarter)
Enterprise Value = 30.17b USD (33.00b + Debt 2.81b - CCE 5.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 706.9m / Interest Expense TTM 1.12b)
FCF Yield = -5.97% (FCF TTM -1.80b / Enterprise Value 30.17b)
FCF Margin = -40.52% (FCF TTM -1.80b / Revenue TTM 4.44b)
Net Margin = 14.41% (Net Income TTM 640.2m / Revenue TTM 4.44b)
Gross Margin = 74.08% ((Revenue TTM 4.44b - Cost of Revenue TTM 1.15b) / Revenue TTM)
Gross Margin QoQ = 75.11% (prev 74.80%)
Tobins Q-Ratio = 0.67 (Enterprise Value 30.17b / Total Assets 45.29b)
Interest Expense / Debt = 10.92% (Interest Expense 306.4m / Debt 2.81b)
Taxrate = 6.17% (9.16m / 148.6m)
NOPAT = 663.3m (EBIT 706.9m * (1 - 6.17%))
Current Ratio = 0.17 (Total Current Assets 5.64b / Total Current Liabilities 33.43b)
Debt / Equity = 0.32 (Debt 2.81b / totalStockholderEquity, last quarter 8.78b)
Debt / EBITDA = -0.47 (Net Debt -438.9m / EBITDA 931.7m)
Debt / FCF = 0.24 (negative FCF - burning cash) (Net Debt -438.9m / FCF TTM -1.80b)
Total Stockholder Equity = 7.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 640.2m / Total Assets 45.29b)
RoE = 8.88% (Net Income TTM 640.2m / Total Stockholder Equity 7.21b)
RoCE = 7.49% (EBIT 706.9m / Capital Employed (Equity 7.21b + L.T.Debt 2.23b))
RoIC = 6.37% (NOPAT 663.3m / Invested Capital 10.41b)
WACC = 14.40% (E(33.00b)/V(35.81b) * Re(14.75%) + D(2.81b)/V(35.81b) * Rd(10.92%) * (1-Tc(0.06)))
Discount Rate = 14.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.99%
Fair Price DCF = unknown (Cash Flow -1.80b)
EPS Correlation: 98.42 | EPS CAGR: 178.7% | SUE: 1.51 | # QB: 3
Revenue Correlation: 96.90 | Revenue CAGR: 46.38% | SUE: 2.77 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.13 | Chg30d=-0.005 | Revisions Net=+5 | Analysts=6
EPS next Year (2026-12-31): EPS=0.57 | Chg30d=-0.004 | Revisions Net=-1 | Growth EPS=+56.4% | Growth Revenue=+25.4%

Additional Sources for SOFI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle