(SOFI) SoFi Technologies - NASDAQ
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 21.383m USD | Total Return: 17.7% in 12m
Avg Turnover: 1.16B
Qual. Beats: 0
Rev. Trend: 99.3%
Qual. Beats: 5
Warnings
Share dilution 16.2% YoY
Tailwinds
No distinct edge detected
SoFi Technologies, Inc. is a digital financial services firm operating across three primary segments: Lending, Technology Platform, and Financial Services. The company provides a comprehensive suite of consumer products including personal, student, and home loans, alongside deposit accounts, investment tools, and credit cards. Through its Galileo and Technisys acquisitions, SoFi also functions as a business-to-business infrastructure provider, offering cloud-native core banking and payment processing services to other financial institutions.
Operating within the consumer finance sector, SoFi utilizes a financial services productivity loop strategy designed to lower customer acquisition costs by cross-selling multiple products to a single user base. As a vertically integrated digital bank, the company benefits from a lower cost of capital compared to non-bank lenders by utilizing member deposits to fund its loan originations. Investors may find additional performance metrics and valuation data on ValueRay to assist in their due diligence. The company remains headquartered in San Francisco and maintains a geographic footprint across North America, Latin America, and Hong Kong.
- Net interest margin expansion driven by high-yield deposit growth and loan retention
- Technology platform scaling through Galileo and Technisys enterprise software partnerships
- Shift toward capital-light financial services revenue reduces reliance on balance sheet lending
- Federal Reserve interest rate pivots impact student loan refinancing and personal loan demand
- Regulatory capital requirements influence bank charter profitability and asset originations capacity
| Net Income: 576.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA 0.64 > 1.0 |
| NWC/Revenue: 58.69% < 20% (prev -604.0%; Δ 662.7% < -1%) |
| CFO/TA -0.04 > 3% & CFO -2.27b > Net Income 576.9m |
| Net Debt (-1.75b) to EBITDA (892.1m): -1.96 < 3 |
| Current Ratio: 5.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.38b) vs 12m ago 16.24% < -2% |
| Gross Margin: 76.02% > 18% (prev 71.13%; Δ 4.89% > 0.5%) |
| Asset Turnover: 11.24% > 50% (prev 10.31%; Δ 0.94% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBIT TTM 645.6m / Interest Expense TTM 1.20b) |
| A: 0.06 (Total Current Assets 3.76b - Total Current Liabilities 743.7m) / Total Assets 53.7b |
| B: -0.01 (Retained Earnings -657.5m / Total Assets 53.7b) |
| C: 0.01 (EBIT TTM 645.6m / Avg Total Assets 45.7b) |
| D: 0.25 (Book Value of Equity 10.8b / Total Liabilities 42.9b) |
| Altman-Z'' = 0.69 = B |
As of June 14, 2026, the stock is trading at USD 16.58 with a total of 49,407,939 shares traded.
Over the past week, the price has changed by +3.43%,
over one month by +8.30%,
over three months by -6.64% and
over the past year by +17.67%.
SoFi Technologies has received a consensus analysts rating of 3.29. Therefore, it is recommended to hold SOFI.
- StrongBuy: 5
- Buy: 3
- Hold: 12
- Sell: 2
- StrongSell: 2
| Analysts Target Price | 21 | 26.7% |
P/E Trailing = 37.0444
P/E Forward = 28.7356
P/S = 5.4711
P/B = 1.9778
P/EG = 1.0765
Revenue TTM = 5.14b USD
EBIT TTM = 645.6m USD
EBITDA TTM = 892.1m USD
Long Term Debt = 1.33b USD (from longTermDebt, last quarter)
Short Term Debt = 486.0m USD (from shortLongTermDebt, last quarter)
Debt = 2.02b USD (from shortLongTermDebtTotal, last quarter) + Leases 100.7m
Net Debt = -1.75b USD (calculated: Debt 2.02b - CCE 3.76b)
Enterprise Value = 19.6b USD (21.4b + Debt 2.02b - CCE 3.76b)
Interest Coverage Ratio = 0.54 (Ebit TTM 645.6m / Interest Expense TTM 1.20b)
EV/FCF = -7.76x (Enterprise Value 19.6b / FCF TTM -2.53b)
FCF Yield = -12.89% (FCF TTM -2.53b / Enterprise Value 19.6b)
FCF Margin = -49.22% (FCF TTM -2.53b / Revenue TTM 5.14b)
Net Margin = 11.22% (Net Income TTM 576.9m / Revenue TTM 5.14b)
Gross Margin = 76.02% ((Revenue TTM 5.14b - Cost of Revenue TTM 1.23b) / Revenue TTM)
Gross Margin QoQ = 77.50% (prev 76.37%)
Tobins Q-Ratio = 0.37 (Enterprise Value 19.6b / Total Assets 53.7b)
Interest Expense / Debt = 59.50% (Interest Expense 1.20b / Debt 2.02b)
Taxrate = 10.64% (68.7m / 645.6m)
NOPAT = 576.9m (EBIT 645.6m * (1 - 10.64%))
Current Ratio = 5.06 (Total Current Assets 3.76b / Total Current Liabilities 743.7m)
Debt / Equity = 0.19 (Debt 2.02b / totalStockholderEquity, last quarter 10.8b)
Debt / EBITDA = -1.96 (Net Debt -1.75b / EBITDA 892.1m)
Debt / FCF = 0.69 (negative FCF - burning cash) (Net Debt -1.75b / FCF TTM -2.53b)
Total Stockholder Equity = 9.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 576.9m / Total Assets 53.7b)
RoE = 6.25% (Net Income TTM 576.9m / Total Stockholder Equity 9.24b)
RoCE = 6.11% (EBIT 645.6m / Capital Employed (Equity 9.24b + L.T.Debt 1.33b))
RoIC = 1.09% (NOPAT 576.9m / Invested Capital 52.7b)
WACC = 13.77% (E(21.4b)/V(23.4b) * Re(15.07%) + (debt cost/tax rate unavailable))
Discount Rate = 15.07% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 95.56 | Cagr: 13.85%
[DCF] Fair Price = unknown (Cash Flow -2.53b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: 99.26 | Revenue CAGR: 30.83% | SUE: 1.04 | # QB: 5
EPS current Quarter (2026-06-30): EPS=0.11 | Chg30d=-5.79% | Revisions=-56% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.17 | Chg30d=+0.95% | Revisions=+43% | Analysts=6
EPS current Year (2026-12-31): EPS=0.58 | Chg30d=-0.70% | Revisions=-56% | GrowthEPS=+54.8% | GrowthRev=+30.1%
EPS next Year (2027-12-31): EPS=0.78 | Chg30d=-0.78% | Revisions=-14% | GrowthEPS=+34.6% | GrowthRev=+22.0%
[Analyst] Revisions Ratio: -56%