SOFI Stock Analysis: SoFi Technologies | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 23.355m USD | 12M Return: -22.6% | US83406F1021 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.19B
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 6
Warnings
Tailwinds
Seasonality 5.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
SoFi Technologies, Inc. (NASDAQ: SOFI) is a U.S.-headquartered digital financial services company founded in 2011 and based in San Francisco, California. It went public on November 30, 2020, and operates across the United States, Latin America, Canada, and Hong Kong. The company is classified within the Financials sector, specifically the Consumer Finance sub-industry, and is structured around three reporting segments: Lending, Technology Platform, and Financial Services.
The Lending segment provides personal, student, and home loans, along with related services. The Technology Platform segment includes Galileo, a payments and banking infrastructure provider serving both financial and non-financial institutions, and Technisys, a cloud-native digital and core banking platform offered via software licenses with implementation and maintenance services. The Financial Services segment is the broadest, encompassing a member-focused suite of products: SoFi Money (checking, savings, and cash management), SoFi Invest (a mobile investment platform with trading and robo-advisory), SoFi Crypto (a digital asset trading platform), the SoFi Credit Card, SoFi Relay (personal finance management), SoFi Protect (insurance), SoFi Travel (travel booking), SoFi At Work (employer financial benefits, including student loan repayment), and Lantern Credit (a financial services marketplace).
SoFis business model combines a direct-to-consumer digital financial supermarket approach-allowing members to borrow, save, spend, invest, and protect their money in a single ecosystem-with a B2B technology offering through Galileo and Technisys that licenses infrastructure to other financial institutions. This dual consumer/platform structure distinguishes SoFi within the consumer finance sector, where most peers focus exclusively on either lending or deposit-taking rather than operating as an integrated financial services and fintech infrastructure provider.
- Bank charter unlocks net interest margin expansion
- Galileo and Technisys tech platform revenue accelerates
- Personal loan credit quality deterioration pressures provisions
| Net Income: 636.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA 0.76 > 1.0 |
| NWC/Revenue: -557.0% < 20% (prev -616.2%; Δ 59.26% < -1%) |
| CFO/TA -0.04 > 3% & CFO -2.27b > Net Income 636.3m |
| Net Debt (-3.85b) to EBITDA (756.8m): -5.08 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.35b) vs 12m ago 14.17% < -2% |
| Gross Margin: 76.46% > 18% (prev 72.73%; Δ 3.73% > 0.5%) |
| Asset Turnover: 10.94% > 50% (prev 10.12%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 0.50 > 6 (EBIT TTM 634.7m / Interest Expense TTM 1.28b) |
| A: -0.51 (Total Current Assets 7.35b - Total Current Liabilities 38.4b) / Total Assets 60.9b |
| B: -0.01 (Retained Earnings -501.0m / Total Assets 60.9b) |
| C: 0.01 (EBIT TTM 634.7m / Avg Total Assets 51.0b) |
| D: 0.22 (Book Value of Equity 11.1b / Total Liabilities 49.9b) |
| Altman-Z'' = -3.06 = D |
As of August 14, 2026, the stock is trading at USD 18.43 with a total of 61,643,357 shares traded. Over the past week, the price has changed by +1.82%, over one month by +1.65%, over three months by +20.38% and over the past year by -22.60%.
Current recommended Stop Loss: 17.20 (which is 6.7% or 1.5 ATR below the current price).
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 | 19.9 | 7.8% |
P/E Trailing = 36.9388
P/E Forward = 27.1739
P/S = 5.4715
P/B = 1.9
P/EG = 0.7834
Revenue TTM = 5.58b USD
EBIT TTM = 634.7m USD
EBITDA TTM = 756.8m USD
Long Term Debt = 1.33b USD (from longTermDebt, last fiscal year)
Short Term Debt = 486.0m USD (from shortTermDebt, last fiscal year)
Debt = 3.51b USD (from shortLongTermDebtTotal, last quarter) + Leases 100.7m
Net Debt = -3.85b USD (calculated: Debt 3.51b - CCE 7.35b)
Enterprise Value = 19.5b USD (23.4b + Debt 3.51b - CCE 7.35b)
Interest Coverage Ratio = 0.50 (Ebit TTM 634.7m / Interest Expense TTM 1.28b)
EV/FCF = -7.71x (Enterprise Value 19.5b / FCF TTM -2.53b)
FCF Yield = -12.98% (FCF TTM -2.53b / Enterprise Value 19.5b)
FCF Margin = -45.35% (FCF TTM -2.53b / Revenue TTM 5.58b)
Net Margin = 11.40% (Net Income TTM 636.3m / Revenue TTM 5.58b)
Gross Margin = 76.46% ((Revenue TTM 5.58b - Cost of Revenue TTM 1.31b) / Revenue TTM)
Gross Margin QoQ = 76.70% (prev 77.50%)
Tobins Q-Ratio = 0.32 (Enterprise Value 19.5b / Total Assets 60.9b)
Interest Expense / Debt = 36.42% (Interest Expense 1.28b / Debt 3.51b)
Taxrate = 13.76% (101.5m / 737.7m)
NOPAT = 547.4m (EBIT 634.7m * (1 - 13.76%))
Current Ratio = 0.19 (Total Current Assets 7.35b / Total Current Liabilities 38.4b)
Debt / Equity = 0.32 (Debt 3.51b / totalStockholderEquity, last quarter 11.1b)
Debt / EBITDA = -5.08 (Net Debt -3.85b / EBITDA 756.8m)
Debt / FCF = 1.52 (negative FCF - burning cash) (Net Debt -3.85b / FCF TTM -2.53b)
Total Stockholder Equity = 10.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 636.3m / Total Assets 60.9b)
RoE = 6.18% (Net Income TTM 636.3m / Total Stockholder Equity 10.3b)
RoCE = 5.46% (EBIT 634.7m / Capital Employed (Equity 10.3b + L.T.Debt 1.33b))
RoIC = 2.41% (NOPAT 547.4m / Invested Capital 22.7b)
WACC = 18.10% (E(23.4b)/V(26.9b) * Re(16.10%) + D(3.51b)/V(26.9b) * Rd(36.42%) * (1-Tc(0.14)))
Discount Rate = 16.10% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 97.70 | Cagr: 12.25%
[DCF] Fair Price = unknown (Cash Flow -2.53b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.94 | # QB: 1
Revenue Correlation: 99.67 | Revenue CAGR: 29.50% | SUE: 1.30 | # QB: 6
EPS current Quarter (2026-09-30): EPS=0.17 | Chg30d=-1.64% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=0.59 | Chg30d=+0.29% | Revisions=+17% | GrowthEPS=+58.3% | GrowthRev=+35.9%
EPS next Year (2027-12-31): EPS=0.81 | Chg30d=-0.06% | Revisions=+29% | GrowthEPS=+37.1% | GrowthRev=+22.3%
[Analyst] Revisions Ratio: +36% (up=6, down=2)