(SOFI) SoFi Technologies - Ratings and Ratios
Loans, Investment, Banking, Insurance
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 60.4% |
| Value at Risk 5%th | 95.8% |
| Relative Tail Risk | -3.54% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.06 |
| Alpha | 43.69 |
| CAGR/Max DD | 1.76 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.421 |
| Beta | 2.413 |
| Beta Downside | 2.683 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.31% |
| Mean DD | 21.01% |
| Median DD | 23.69% |
Description: SOFI SoFi Technologies October 14, 2025
SoFi Technologies, Inc. (NASDAQ: SOFI) is a diversified fintech firm that serves members in the United States, Latin America, Canada, and Hong Kong. Its business is organized into three core segments-Lending, Technology Platform, and Financial Services-through which it offers a suite of products that let members borrow, save, spend, invest, and protect their money.
The Lending segment originates personal, student, and home loans, while the Technology Platform segment includes Galileo (a B2B payments-as-a-service engine) and Technisys (a cloud-native core-banking platform). The Financial Services segment bundles consumer-facing offerings such as SoFi Money (checking/savings), SoFi Invest (trading and robo-advisory), the SoFi Credit Card (cash-back), SoFi Relay (personal-finance dashboard), SoFi Protect (insurance), SoFi Travel, SoFi At Work (employee benefits), Lantern Credit (marketplace), and “lending-as-a-service” referrals to third-party partners.
In the most recent quarter (Q2 2024), SoFi reported total revenue of roughly **$1.1 billion**, a **12 % year-over-year increase**, driven primarily by a **~$13 billion** loan origination volume and a **~30 % rise in transaction revenue from Galileo**. The company posted a GAAP net loss of **$130 million**, reflecting continued investment in growth and a higher cost-of-funds environment; its adjusted EBITDA turned positive at **$45 million**, indicating improving operational leverage. These figures are disclosed in the company’s earnings release and are subject to revision in the final Form 10-Q.
Key macro- and sector-level drivers that shape SoFi’s outlook include: (1) the **U.S. interest-rate cycle**, where higher rates boost net-interest margins on new loans but can suppress borrower demand; (2) **digital-banking adoption**, with fintech penetration expected to grow at a **~15 % CAGR** through 2028, expanding the addressable market for SoFi’s platform services; and (3) **regulatory scrutiny of consumer-credit products**, which could affect underwriting standards and product pricing. Monitoring these variables is essential for assessing SoFi’s growth trajectory.
If you want a deeper, data-driven breakdown of SoFi’s valuation metrics and scenario analysis, a quick look at ValueRay’s analyst toolkit can provide the quantitative context you need to form a more informed view.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (640.2m TTM) > 0 and > 6% of Revenue (6% = 266.5m TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -625.6% (prev -592.9%; Δ -32.75pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -1.57b <= Net Income 640.2m (YES >=105%, WARN >=100%) |
| Net Debt (-438.9m) to EBITDA (931.7m) ratio: -0.47 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.29b) change vs 12m ago 16.89% (target <= -2.0% for YES) |
| Gross Margin 74.08% (prev 68.75%; Δ 5.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.15% (prev 10.33%; Δ 0.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.63 (EBITDA TTM 931.7m / Interest Expense TTM 1.12b) >= 6 (WARN >= 3) |
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 (Balance) -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 |
| Total Rating: -4.01 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 46.39
| 1. Piotroski 4.0pt |
| 2. FCF Yield -5.48% |
| 3. FCF Margin -40.52% |
| 4. Debt/Equity 0.32 |
| 5. Debt/Ebitda -0.47 |
| 6. ROIC - WACC (= -8.20)% |
| 7. RoE 8.88% |
| 8. Rev. Trend 96.90% |
| 9. EPS Trend 98.42% |
What is the price of SOFI shares?
Over the past week, the price has changed by -9.08%, over one month by -12.15%, over three months by +3.31% and over the past year by +72.32%.
Is SOFI a buy, sell or hold?
- Strong Buy: 4
- Buy: 3
- Hold: 8
- Sell: 2
- Strong Sell: 2
What are the forecasts/targets for the SOFI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 27 | 0.5% |
| Analysts Target Price | 27 | 0.5% |
| ValueRay Target Price | 30.5 | 13.8% |
SOFI Fundamental Data Overview December 06, 2025
P/E Trailing = 52.8571
P/E Forward = 48.7805
P/S = 10.8474
P/B = 3.9927
P/EG = 2.2208
Beta = 1.939
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 = 32.86b USD (35.69b + Debt 2.81b - CCE 5.64b)
Interest Coverage Ratio = 0.63 (Ebit TTM 706.9m / Interest Expense TTM 1.12b)
FCF Yield = -5.48% (FCF TTM -1.80b / Enterprise Value 32.86b)
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 = 0.73 (Enterprise Value 32.86b / 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 = 1.41% (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 = 14.57% (E(35.69b)/V(38.50b) * Re(14.91%) + D(2.81b)/V(38.50b) * Rd(10.92%) * (1-Tc(0.06)))
Discount Rate = 14.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.99%
Fair Price DCF = unknown (Cash Flow -1.80b)
EPS Correlation: 98.42 | EPS CAGR: 178.7% | SUE: 1.51 | # QB: 3
Revenue Correlation: 96.90 | Revenue CAGR: 46.38% | SUE: 2.77 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.13 | Chg30d=-0.005 | Revisions Net=+5 | Analysts=7
EPS next Year (2026-12-31): EPS=0.58 | Chg30d=-0.001 | Revisions Net=+6 | Growth EPS=+57.7% | Growth Revenue=+24.8%
Additional Sources for SOFI Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle