(SOFI) SoFi Technologies - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US83406F1021
Stock: Loans, Banking, Investing, Technology
Total Rating 45
Risk 65
Buy Signal -0.50
| Risk 5d forecast | |
|---|---|
| Volatility | 57.1% |
| Relative Tail Risk | -2.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.89 |
| Alpha | 7.35 |
| Character TTM | |
|---|---|
| Beta | 2.511 |
| Beta Downside | 2.746 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.31% |
| CAGR/Max DD | 1.08 |
EPS (Earnings per Share)
Revenue
Risks
Technicals:
volatile
Description: SOFI SoFi Technologies March 04, 2026
SoFi Technologies Inc. is a diversified financial services company operating across three segments: Lending, Technology Platform, and Financial Services. The company provides personal, student, and home loans. Its Technology Platform segment includes Galileo, a service provider to financial institutions, and Technisys, a cloud-native banking platform. The Financial Services segment offers checking, savings, investment, and crypto trading accounts, alongside credit cards, insurance, and financial management tools. Consumer Finance is a competitive sector with evolving regulatory landscapes.
SoFis business model integrates lending with a proprietary technology stack and a broad suite of financial products. This allows the company to offer a wide range of services to its members, from borrowing to investing, and also to provide technology solutions to other financial entities. Further research on ValueRay can provide detailed financial metrics and competitive analysis for SoFi and its peers.
Headlines to watch out for
- Lending segment revenue growth drives profitability
- Galileo and Technisys platform adoption expands revenue
- Interest rate fluctuations impact lending margins
- Regulatory scrutiny on fintech operations poses risk
- Consumer loan demand dictates lending volume
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 10, 2026, the stock is trading at USD 18.79 with a total of 75,086,066 shares traded.
Over the past week, the price has changed by +2.18%, over one month by -11.99%, over three months by -29.97% and over the past year by +68.07%.
Over the past week, the price has changed by +2.18%, over one month by -11.99%, over three months by -29.97% and over the past year by +68.07%.
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 | 41% |
| Analysts Target Price | 26.5 | 41% |
SOFI Fundamental Data Overview March 07, 2026
P/E Trailing = 49.359
P/E Forward = 31.6456
P/S = 6.8514
P/B = 2.2735
P/EG = 1.4407
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 = 21.44b USD (24.55b + Debt 1.82b - CCE 4.93b)
Interest Coverage Ratio = 0.99 (Ebit TTM 1.14b / Interest Expense TTM 1.16b)
EV/FCF = -8.20x (Enterprise Value 21.44b / FCF TTM -2.61b)
FCF Yield = -12.19% (FCF TTM -2.61b / Enterprise Value 21.44b)
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 21.44b / 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 = 15.23% (E(24.55b)/V(26.36b) * Re(15.17%) + D(1.82b)/V(26.36b) * Rd(17.08%) * (1-Tc(0.06)))
Discount Rate = 15.17% (= 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=+28.7%
EPS next Year (2027-12-31): EPS=0.79 | Chg7d=+0.000 | Chg30d=+0.022 | Revisions Net=+0 | Growth EPS=+30.7% | Growth Revenue=+22.5%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 13.1% (Discount Rate 15.2% - Earnings Yield 2.0%)
[Growth] Growth Spread = +18.8% (Analyst 31.9% - Implied 13.1%)
P/E Forward = 31.6456
P/S = 6.8514
P/B = 2.2735
P/EG = 1.4407
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 = 21.44b USD (24.55b + Debt 1.82b - CCE 4.93b)
Interest Coverage Ratio = 0.99 (Ebit TTM 1.14b / Interest Expense TTM 1.16b)
EV/FCF = -8.20x (Enterprise Value 21.44b / FCF TTM -2.61b)
FCF Yield = -12.19% (FCF TTM -2.61b / Enterprise Value 21.44b)
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 21.44b / 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 = 15.23% (E(24.55b)/V(26.36b) * Re(15.17%) + D(1.82b)/V(26.36b) * Rd(17.08%) * (1-Tc(0.06)))
Discount Rate = 15.17% (= 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=+28.7%
EPS next Year (2027-12-31): EPS=0.79 | Chg7d=+0.000 | Chg30d=+0.022 | Revisions Net=+0 | Growth EPS=+30.7% | Growth Revenue=+22.5%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 13.1% (Discount Rate 15.2% - Earnings Yield 2.0%)
[Growth] Growth Spread = +18.8% (Analyst 31.9% - Implied 13.1%)