(SOFI) SoFi Technologies - Overview

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

Stock:

Total Rating 37

Risk 66

Buy Signal 0.03

Credit Services +8.5
Consumer Finance +4.1

Market Cap: 24,358m
Avg Trading Vol: 1.31B USD

ATR: 6.39%
Peers RS (IBD): 43.33

Risk 5d forecast
Volatility	60.3%
Relative Tail Risk	-1.68%

Reward TTM
Sharpe Ratio	0.63
Alpha	-7.22

Character TTM
Beta	2.317
Beta Downside	2.117

Drawdowns 3y
Max DD	47.31%
CAGR/Max DD	0.86

EPS (Earnings per Share)

EPS CAGR: 183.97%
EPS Trend: 98.4%

Last SUE: 1.71
Qual. Beats: 4

Revenue

Rev. CAGR: 42.50%
Rev. Trend: 97.1%

Last SUE: 4.00
Qual. Beats: 4

Description: SOFI SoFi Technologies

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income: 481.3m TTM > 0 and > 6% of Revenue
FCF/TA: -0.05 > 0.02 and ΔFCF/TA -1.62 > 1.0
NWC/Revenue: 96.72% < 20% (prev -584.7%; Δ 681.4% < -1%)
CFO/TA -0.05 > 3% & CFO -2.36b > Net Income 481.3m
Net Debt (-3.11b) to EBITDA (1.38b): -2.26 < 3
Current Ratio: 7.20 > 1.5 & < 3
Outstanding Shares: last quarter (1.35b) vs 12m ago 16.95% < -2%
Gross Margin: 68.73% > 18% (prev 0.70%; Δ 6803 % > 0.5%)
Asset Turnover: 10.98% > 50% (prev 10.22%; Δ 0.76% > 0%)
Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 1.38b / Interest Expense TTM 1.16b)

Altman Z'' 0.70

A: 0.09 (Total Current Assets 5.36b - Total Current Liabilities 743.7m) / Total Assets 50.66b
B: -0.02 (Retained Earnings -824.3m / Total Assets 50.66b)
C: 0.03 (EBIT TTM 1.14b / Avg Total Assets 43.46b)
D: -0.02 (Book Value of Equity -813.2m / Total Liabilities 40.17b)
Altman-Z'' Score: 0.70 = B

Beneish M -2.57

DSRI: 1.18 (Receivables 893.5m/587.5m, Revenue 4.77b/3.70b)
GMI: 1.01 (GM 68.73% / 69.68%)
AQI: 1.04 (AQ_t 0.88 / AQ_t-1 0.85)
SGI: 1.29 (Revenue 4.77b / 3.70b)
TATA: 0.06 (NI 481.3m - CFO -2.36b) / TA 50.66b)
Beneish M-Score: -2.57 (Cap -4..+1) = A

What is the price of SOFI shares?

As of March 03, 2026, the stock is trading at USD 18.39 with a total of 71,678,704 shares traded.
Over the past week, the price has changed by +0.93%, over one month by -16.71%, over three months by -37.68% and over the past year by +35.52%.

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.

StrongBuy: 4
Buy: 3
Hold: 8
Sell: 2
StrongSell: 2

What are the forecasts/targets for the SOFI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	26.5	44.1%
Analysts Target Price	26.5	44.1%

SOFI Fundamental Data Overview February 28, 2026

P/E Trailing = 48.9744
P/E Forward = 47.1698
P/S = 6.798
P/B = 4.5328
P/EG = 2.4593
Revenue TTM = 4.77b USD
EBIT TTM = 1.14b USD
EBITDA TTM = 1.38b USD
Long Term Debt = 1.33b USD (from longTermDebt, last quarter)
Short Term Debt = 486.0m USD (from shortLongTermDebt, last quarter)
Debt = 1.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.11b USD (from netDebt column, last quarter)
Enterprise Value = 21.24b USD (24.36b + Debt 1.82b - CCE 4.93b)
Interest Coverage Ratio = 0.99 (Ebit TTM 1.14b / Interest Expense TTM 1.16b)
EV/FCF = -8.13x (Enterprise Value 21.24b / FCF TTM -2.61b)
FCF Yield = -12.30% (FCF TTM -2.61b / Enterprise Value 21.24b)
FCF Margin = -54.79% (FCF TTM -2.61b / Revenue TTM 4.77b)
Net Margin = 10.09% (Net Income TTM 481.3m / Revenue TTM 4.77b)
Gross Margin = 68.73% ((Revenue TTM 4.77b - Cost of Revenue TTM 1.49b) / Revenue TTM)
Gross Margin QoQ = 53.53% (prev 75.11%)
Tobins Q-Ratio = 0.42 (Enterprise Value 21.24b / Total Assets 50.66b)
Interest Expense / Debt = 17.08% (Interest Expense 310.1m / Debt 1.82b)
Taxrate = 6.36% (11.8m / 185.3m)
NOPAT = 1.07b (EBIT 1.14b * (1 - 6.36%))
Current Ratio = 7.20 (Total Current Assets 5.36b / Total Current Liabilities 743.7m)
Debt / Equity = 0.17 (Debt 1.82b / totalStockholderEquity, last quarter 10.49b)
Debt / EBITDA = -2.26 (Net Debt -3.11b / EBITDA 1.38b)
Debt / FCF = 1.19 (negative FCF - burning cash) (Net Debt -3.11b / FCF TTM -2.61b)
Total Stockholder Equity = 8.20b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.11% (Net Income 481.3m / Total Assets 50.66b)
RoE = 5.87% (Net Income TTM 481.3m / Total Stockholder Equity 8.20b)
RoCE = 11.99% (EBIT 1.14b / Capital Employed (Equity 8.20b + L.T.Debt 1.33b))
RoIC = 9.65% (NOPAT 1.07b / Invested Capital 11.08b)
WACC = 14.56% (E(24.36b)/V(26.17b) * Re(14.45%) + D(1.82b)/V(26.17b) * Rd(17.08%) * (1-Tc(0.06)))
Discount Rate = 14.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.36%
[DCF] Fair Price = unknown (Cash Flow -2.61b)
EPS Correlation: 98.43 | EPS CAGR: 184.0% | SUE: 1.71 | # QB: 4
Revenue Correlation: 97.08 | Revenue CAGR: 42.50% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-06-30): EPS=0.14 | Chg7d=+0.000 | Chg30d=+0.006 | Revisions Net=+0 | Analysts=5
EPS current Year (2026-12-31): EPS=0.60 | Chg7d=+0.000 | Chg30d=+0.058 | Revisions Net=-1 | Growth EPS=+61.3% | Growth Revenue=+28.6%
EPS next Year (2027-12-31): EPS=0.79 | Chg7d=+0.000 | Chg30d=+0.022 | Revisions Net=+0 | Growth EPS=+30.7% | Growth Revenue=+22.3%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 12.4% (Discount Rate 14.4% - Earnings Yield 2.0%)
[Growth] Growth Spread = +19.2% (Analyst 31.6% - Implied 12.4%)

Additional Sources for SOFI Stock

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