SOFI Stock Analysis: SoFi Technologies | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 21.038m USD | 12M Return: -46.4% | US83406F1021 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 854M
Qual. Beats: 2
Rev. Trend: 99.6%
Qual. Beats: 7
Warnings
Tailwinds
Seasonality 5.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
SoFi Technologies (NASDAQ: SOFI) is a U.S.-headquartered digital financial services company founded in 2011 and based in San Francisco. It operates across the United States, Latin America, Canada, and Hong Kong, organizing its business into three segments: Lending, Technology Platform, and Financial Services.
The company runs a broad consumer-facing platform that enables members to borrow, save, spend, invest, and protect their money. Its Lending segment includes personal, student, and home loans, while the Financial Services segment offers SoFi Money (checking and savings), SoFi Invest (brokerage and robo-advisory), SoFi Crypto, the SoFi Credit Card, SoFi Protect insurance, SoFi Travel, SoFi Relay (personal financial management), SoFi At Work (employer benefits such as student loan repayment), and Lantern Credit (a lending marketplace). The Technology Platform segment includes Galileo, which provides payments and banking infrastructure to other financial and non-financial institutions, and Technisys, a cloud-native core banking software platform.
Sector and business model context: SoFi is classified within the GICS Consumer Finance sub-industry, a grouping that includes non-bank lenders, fintech payment companies, and digital banking platforms. The company combines a direct-to-consumer digital bank (a so-called neobank model) with a B2B infrastructure business through Galileo and Technisys, which supply account issuance, processing, and core banking software to other fintechs and banks. SoFi went public in late 2020.
- Student loan repayment restart drives Lending segment revenue recovery
- Net interest margin expands as low-cost deposit base grows rapidly
- Galileo and Technisys tech platform revenue accelerates with new client wins
| Net Income: 737.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.12 > 0.02 and ΔFCF/TA -7.99 > 1.0 |
| NWC/Revenue: -142.6% < 20% (prev -625.6%; Δ 483.0% < -1%) |
| CFO/TA -0.11 > 3% & CFO -7.77b > Net Income 737.9m |
| Net Debt (-3.72b) to EBITDA (1.14b): -3.26 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.36b) vs 12m ago 5.17% < -2% |
| Gross Margin: 76.66% > 18% (prev 74.08%; Δ 2.58% > 0.5%) |
| Asset Turnover: 10.81% > 50% (prev 9.81%; Δ 1.01% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBIT TTM 907.0m / Interest Expense TTM 1.38b) |
| A: -0.13 (Total Current Assets 42.6b - Total Current Liabilities 51.3b) / Total Assets 67.8b |
| B: -0.00 (Retained Earnings -260.0m / Total Assets 67.8b) |
| C: 0.02 (EBIT TTM 907.0m / Avg Total Assets 56.5b) |
| D: 0.20 (Book Value of Equity 11.3b / Total Liabilities 56.5b) |
| Altman-Z'' = -0.54 = B |
As of November 11, 2026, the stock is trading at USD 16.37 with a total of 53,591,046 shares traded. Over the past week, the price has changed by -2.39%, over one month by +7.49%, over three months by -9.66% and over the past year by -46.40%.
Current recommended Stop Loss: 14.50 (which is 11.4% or 2.2 ATR below the current price).
SoFi Technologies has received a consensus analysts rating of 3.48. Therefore, it is recommended to hold SOFI.
- StrongBuy: 7
- Buy: 4
- Hold: 10
- Sell: 2
- StrongSell: 2
| Analysts Target Price | 20.8 | 27.3% |
P/E Trailing = 29.4727
P/E Forward = 18.018
P/S = 4.4892
P/B = 1.8626
P/EG = 0.5031
Revenue TTM = 6.11b USD
EBIT TTM = 907.0m USD
EBITDA TTM = 1.14b USD
Long Term Debt = 1.33b USD (from longTermDebt, last fiscal year)
Short Term Debt = 486.0m USD (from shortTermDebt, last fiscal year)
Debt = 4.08b USD (from shortLongTermDebtTotal, last quarter) + Leases 104.1m
Net Debt = -3.72b USD (calculated: Debt 4.08b - CCE 7.80b)
Enterprise Value = 17.3b USD (21.0b + Debt 4.08b - CCE 7.80b)
Interest Coverage Ratio = 0.66 (Ebit TTM 907.0m / Interest Expense TTM 1.38b)
EV/FCF = -2.14x (Enterprise Value 17.3b / FCF TTM -8.11b)
FCF Yield = -46.83% (FCF TTM -8.11b / Enterprise Value 17.3b)
FCF Margin = -132.7% (FCF TTM -8.11b / Revenue TTM 6.11b)
Net Margin = 12.07% (Net Income TTM 737.9m / Revenue TTM 6.11b)
Gross Margin = 76.66% ((Revenue TTM 6.11b - Cost of Revenue TTM 1.43b) / Revenue TTM)
Gross Margin QoQ = 76.18% (prev 76.70%)
Tobins Q-Ratio = 0.26 (Enterprise Value 17.3b / Total Assets 67.8b)
Interest Expense / Debt = 33.90% (Interest Expense 1.38b / Debt 4.08b)
Taxrate = 18.65% (169.2m / 907.0m)
NOPAT = 737.9m (EBIT 907.0m * (1 - 18.65%))
Current Ratio = 0.83 (Total Current Assets 42.6b / Total Current Liabilities 51.3b)
Debt / Equity = 0.36 (Debt 4.08b / totalStockholderEquity, last quarter 11.3b)
Debt / EBITDA = -3.26 (Net Debt -3.72b / EBITDA 1.14b)
Debt / FCF = 0.46 (negative FCF - burning cash) (Net Debt -3.72b / FCF TTM -8.11b)
Total Stockholder Equity = 10.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.31% (Net Income 737.9m / Total Assets 67.8b)
RoE = 6.76% (Net Income TTM 737.9m / Total Stockholder Equity 10.9b)
RoCE = 7.41% (EBIT 907.0m / Capital Employed (Equity 10.9b + L.T.Debt 1.33b))
RoIC = 4.44% (NOPAT 737.9m / Invested Capital 16.6b)
WACC = 17.09% (E(21.0b)/V(25.1b) * Re(15.05%) + D(4.08b)/V(25.1b) * Rd(33.90%) * (1-Tc(0.19)))
Discount Rate = 15.05% (= CAPM, Blume Beta Adj.) -> capped to 12.54%
Shares (quarterly) Correlation: 95.88 | Cagr: 11.39%
[DCF] Fair Price = unknown (Cash Flow -8.11b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.94 | # QB: 2
Revenue Correlation: 99.64 | Revenue CAGR: 29.60% | SUE: 1.58 | # QB: 7
EPS current Quarter (2027-03-31): EPS=0.20 | Chg30d=+16.21% | Revisions=+62% | Analysts=7
EPS current Year (2026-12-31): EPS=0.61 | Chg30d=+2.35% | Revisions=+44% | GrowthEPS=+62.6% | GrowthRev=+40.7%
EPS next Year (2027-12-31): EPS=0.90 | Chg30d=+9.17% | Revisions=+50% | GrowthEPS=+47.8% | GrowthRev=+26.9%
[Analyst] Revisions Ratio: +67% (up=16, down=2)