(SOFI) SoFi Technologies - Overview
Stock: Loans, Cards, Savings, Brokerage, Payments
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 57.8% |
| Relative Tail Risk | -2.69% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.77 |
| Alpha | 10.29 |
| Character TTM | |
|---|---|
| Beta | 2.310 |
| Beta Downside | 2.519 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.31% |
| CAGR/Max DD | 0.96 |
Description: SOFI SoFi Technologies December 17, 2025
SoFi Technologies, Inc. (NASDAQ:SOFI) delivers a suite of consumer-focused financial services across the United States, Latin America, Canada, and Hong Kong through three operating segments: Lending, Technology Platform, and Financial Services. The Lending segment originates personal, student, and home loans, while the Technology Platform segment runs Galileo (a B2B payments infrastructure) and Technisys (a cloud-native core-banking solution). The Financial Services segment includes SoFi Money (checking/savings), SoFi Invest (trading and robo-advisory), SoFi Credit Card (cash-back), SoFi Relay (personal finance aggregation), SoFi Protect (insurance), SoFi Travel, SoFi At Work (employee benefits), Lantern Credit (marketplace), and a “lending-as-a-service” offering that supplies pre-qualified borrowers to third-party partners.
Key metrics as of Q4 2023 show total revenue of roughly $1.1 billion, up about 12 % year-over-year, driven largely by a 19 % increase in member-generated transaction volume. The platform now serves over 5.5 million members, a figure that has risen 14 % YoY, indicating strong network effects. Macro-level drivers include the ongoing digital-finance adoption trend and a high-interest-rate environment that boosts net-interest margins on loans but can pressure discretionary borrowing demand.
For a deeper quantitative dive, you might explore ValueRay’s analyst toolkit to assess how these dynamics translate into valuation outlooks.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 640.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: -625.6% < 20% (prev -592.9%; Δ -32.75% < -1%) |
| CFO/TA -0.03 > 3% & CFO -1.57b > Net Income 640.2m |
| Net Debt (-438.9m) to EBITDA (931.7m): -0.47 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.29b) vs 12m ago 16.89% < -2% |
| Gross Margin: 74.08% > 18% (prev 0.69%; Δ 7339 % > 0.5%) |
| Asset Turnover: 11.15% > 50% (prev 10.33%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 931.7m / Interest Expense TTM 1.12b) |
Altman Z'' -4.01
| A: -0.61 (Total Current Assets 5.64b - Total Current Liabilities 33.43b) / Total Assets 45.29b |
| B: -0.02 (Retained Earnings -997.8m / Total Assets 45.29b) |
| C: 0.02 (EBIT TTM 706.9m / Avg Total Assets 39.84b) |
| D: -0.03 (Book Value of Equity -988.2m / Total Liabilities 36.51b) |
| Altman-Z'' Score: -4.01 = D |
Beneish M 1.00
| DSRI: 7.21 (Receivables 587.5m/65.2m, Revenue 4.44b/3.55b) |
| GMI: 0.93 (GM 74.08% / 68.75%) |
| AQI: 0.99 (AQ_t 0.87 / AQ_t-1 0.88) |
| SGI: 1.25 (Revenue 4.44b / 3.55b) |
| TATA: 0.05 (NI 640.2m - CFO -1.57b) / TA 45.29b) |
| Beneish M-Score: 2.24 (Cap -4..+1) = D |
What is the price of SOFI shares?
Over the past week, the price has changed by -11.76%, over one month by -14.12%, over three months by -21.43% and over the past year by +38.75%.
Is SOFI a buy, sell or hold?
- 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 | 27.1 | 18.9% |
| Analysts Target Price | 27.1 | 18.9% |
| ValueRay Target Price | 25.6 | 12.2% |
SOFI Fundamental Data Overview January 31, 2026
P/E Forward = 41.6667
P/S = 9.3546
P/B = 3.5406
P/EG = 1.8952
Revenue TTM = 4.44b USD
EBIT TTM = 706.9m USD
EBITDA TTM = 931.7m USD
Long Term Debt = 2.23b USD (from longTermDebt, last quarter)
Short Term Debt = 486.0m USD (from shortTermDebt, last quarter)
Debt = 2.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -438.9m USD (from netDebt column, last quarter)
Enterprise Value = 27.95b USD (30.78b + Debt 2.81b - CCE 5.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 706.9m / Interest Expense TTM 1.12b)
EV/FCF = -15.53x (Enterprise Value 27.95b / FCF TTM -1.80b)
FCF Yield = -6.44% (FCF TTM -1.80b / Enterprise Value 27.95b)
FCF Margin = -40.52% (FCF TTM -1.80b / Revenue TTM 4.44b)
Net Margin = 14.41% (Net Income TTM 640.2m / Revenue TTM 4.44b)
Gross Margin = 74.08% ((Revenue TTM 4.44b - Cost of Revenue TTM 1.15b) / Revenue TTM)
Gross Margin QoQ = 75.11% (prev 74.80%)
Tobins Q-Ratio = 0.62 (Enterprise Value 27.95b / Total Assets 45.29b)
Interest Expense / Debt = 10.92% (Interest Expense 306.4m / Debt 2.81b)
Taxrate = 6.17% (9.16m / 148.6m)
NOPAT = 663.3m (EBIT 706.9m * (1 - 6.17%))
Current Ratio = 0.17 (Total Current Assets 5.64b / Total Current Liabilities 33.43b)
Debt / Equity = 0.32 (Debt 2.81b / totalStockholderEquity, last quarter 8.78b)
Debt / EBITDA = -0.47 (Net Debt -438.9m / EBITDA 931.7m)
Debt / FCF = 0.24 (negative FCF - burning cash) (Net Debt -438.9m / FCF TTM -1.80b)
Total Stockholder Equity = 7.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 640.2m / Total Assets 45.29b)
RoE = 8.88% (Net Income TTM 640.2m / Total Stockholder Equity 7.21b)
RoCE = 7.49% (EBIT 706.9m / Capital Employed (Equity 7.21b + L.T.Debt 2.23b))
RoIC = 6.37% (NOPAT 663.3m / Invested Capital 10.41b)
WACC = 14.08% (E(30.78b)/V(33.59b) * Re(14.43%) + D(2.81b)/V(33.59b) * Rd(10.92%) * (1-Tc(0.06)))
Discount Rate = 14.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.99%
Fair Price DCF = unknown (Cash Flow -1.80b)
EPS Correlation: 90.31 | EPS CAGR: 145.5% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.90 | Revenue CAGR: 46.38% | SUE: 2.77 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.12 | Chg30d=-0.007 | Revisions Net=-1 | Analysts=5
EPS next Year (2026-12-31): EPS=0.55 | Chg30d=-0.027 | Revisions Net=-2 | Growth EPS=+50.0% | Growth Revenue=+27.9%