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(SOFI) SoFi Technologies - Ratings and Ratios

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

SOFI: Lending, Investing, Banking, Insurance, Credit Cards

SoFi Technologies, Inc. is a leading financial services provider operating across the United States, Latin America, Canada, and Hong Kong. The company is structured into three primary segments: Lending, Technology Platform, and Financial Services. It offers a comprehensive suite of financial products and services, including personal loans, student loans, home loans, and investment solutions through its mobile-first platform, SoFi Invest. Additionally, SoFi provides cash management services through SoFi Money, credit cards with cashback rewards, and personal finance management tools like Sofi Relay. The company also operates Galileo, a technology platform serving financial and non-financial institutions, and Technisys, a cloud-native digital banking platform. SoFi has expanded its offerings to include insurance products, travel management apps, employee financial benefits, and a marketplace for alternative financial products.

SoFi Technologies, Inc. was founded in 2011 and is headquartered in San Francisco, California. The company has established itself as a key player in the consumer finance sector, leveraging its technology-driven approach to deliver innovative financial solutions. Its acquisition of Galileo and Technisys underscores its commitment to enhancing its technological capabilities and expanding its reach in the financial services industry.

Based on current technical indicators, SoFi Technologies, Inc. (NASDAQ:SOFI) is expected to face resistance at 14.7 and 14.0, with support levels at 11.0, 7.7, and 6.8. The stock is currently trading at 11.27, slightly above its 20-day SMA of 11.20 but below its 50-day SMA of 12.68. The 200-day SMA is at 11.52, indicating a potential sideways trend in the near term. The average true range (ATR) of 0.89 suggests moderate volatility over the past 20 days. From a fundamental perspective, SoFi Technologies, Inc. has a market capitalization of 12,123.02M USD. The companys trailing P/E ratio is 27.45, with a forward P/E of 37.17, indicating expectations of significant earnings growth. The price-to-book (P/B) ratio of 1.86 suggests that the stock is trading at a modest premium to its book value. The price-to-sales (P/S) ratio of 4.59 reflects a higher valuation relative to its revenue. The return on equity (RoE) of 7.64% indicates reasonable profitability compared to its peers in the consumer finance sector. Over the next three months, SoFi Technologies, Inc. is likely to experience continued volatility, with potential resistance at 14.7 and 14.0 acting as barriers to upward movement. Support levels at 11.0, 7.7, and 6.8 are expected to provide downside protection. The stocks ability to break above or below these key levels will depend on broader market conditions, earnings performance, and any significant company-specific developments. Given the current technical and fundamental backdrop, a sideways to slightly bullish trend is anticipated, with a potential target range of 12.0 to 14.0.

Additional Sources for SOFI Stock

News: Wall Street Journal Benzinga Yahoo Finance
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle

SOFI Stock Overview

Market Cap in USD 12,123m
Sector Financial Services
Industry Credit Services
GiC Sub-Industry Consumer Finance
IPO / Inception 2020-11-30

SOFI Stock Ratings

Growth Rating 13.5
Fundamental 17.0
Dividend Rating 0.0
Rel. Strength 42.3
Analysts 2.94/5
Fair Price Momentum 12.12 USD
Fair Price DCF -

SOFI Dividends

No Dividends Paid

SOFI Growth Ratios

Growth Correlation 3m -86.5%
Growth Correlation 12m 78.5%
Growth Correlation 5y -31.8%
CAGR 5y 4.79%
CAGR/Max DD 5y 0.06
Sharpe Ratio 12m 1.36
Alpha 48.99
Beta 2.518
Volatility 89.88%
Current Volume 70615.8k
Average Volume 20d 55809.5k
What is the price of SOFI stocks?
As of April 26, 2025, the stock is trading at USD 12.88 with a total of 70,615,826 shares traded.
Over the past week, the price has changed by +20.49%, over one month by -4.87%, over three months by -19.90% and over the past year by +69.70%.
Is SoFi Technologies a good stock to buy?
Neither. Based on ValueRay Fundamental Analyses, SoFi Technologies is currently (April 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 17.01 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of SOFI as of April 2025 is 12.12. This means that SOFI is currently overvalued and has a potential downside of -5.9%.
Is SOFI a buy, sell or hold?
SoFi Technologies has received a consensus analysts rating of 2.94. Therefor, it is recommend to hold SOFI.
  • Strong Buy: 3
  • Buy: 1
  • Hold: 8
  • Sell: 2
  • Strong Sell: 3
What are the forecast for SOFI stock price target?
According to ValueRays Forecast Model, SOFI SoFi Technologies will be worth about 14.2 in April 2026. The stock is currently trading at 12.88. This means that the stock has a potential upside of +9.86%.
Issuer Forecast Upside
Wallstreet Target Price 13 1.2%
Analysts Target Price 12.1 -6.1%
ValueRay Target Price 14.2 9.9%