(SOFI) SoFi Technologies - Overview
Stock: Loans, Cards, Savings, Brokerage, Payments
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 61.2% |
| Relative Tail Risk | -1.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.80 |
| Alpha | 3.67 |
| Character TTM | |
|---|---|
| Beta | 2.330 |
| Beta Downside | 2.532 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.31% |
| CAGR/Max DD | 0.97 |
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) 3.0
| Net Income: 481.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: 96.72% < 20% (prev -584.7%; Δ 681.4% < -1%) |
| CFO/TA -0.03 > 3% & CFO -1.57b > 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 |
What is the price of SOFI shares?
Over the past week, the price has changed by -8.55%, over one month by -22.68%, over three months by -23.20% and over the past year by +40.95%.
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 | 26.7 | 27.9% |
| Analysts Target Price | 26.7 | 27.9% |
| ValueRay Target Price | 23.6 | 13.1% |
SOFI Fundamental Data Overview February 07, 2026
P/E Forward = 35.2113
P/S = 6.8631
P/B = 2.4997
P/EG = 1.5986
Revenue TTM = 4.77b USD
EBIT TTM = 1.14b USD
EBITDA TTM = 1.38b USD
Long Term Debt = 2.23b USD (from longTermDebt, two quarters ago)
Short Term Debt = 486.0m USD (from shortTermDebt, two quarters ago)
Debt = 1.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.11b USD (from netDebt column, last quarter)
Enterprise Value = 21.48b USD (24.59b + Debt 1.82b - CCE 4.93b)
Interest Coverage Ratio = 0.99 (Ebit TTM 1.14b / Interest Expense TTM 1.16b)
EV/FCF = -11.93x (Enterprise Value 21.48b / FCF TTM -1.80b)
FCF Yield = -8.38% (FCF TTM -1.80b / Enterprise Value 21.48b)
FCF Margin = -37.74% (FCF TTM -1.80b / 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 21.48b / 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 = 1.73 (negative FCF - burning cash) (Net Debt -3.11b / FCF TTM -1.80b)
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 = 10.95% (EBIT 1.14b / Capital Employed (Equity 8.20b + L.T.Debt 2.23b))
RoIC = 10.02% (NOPAT 1.07b / Invested Capital 10.67b)
WACC = 14.60% (E(24.59b)/V(26.41b) * Re(14.50%) + D(1.82b)/V(26.41b) * Rd(17.08%) * (1-Tc(0.06)))
Discount Rate = 14.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.36%
Fair Price DCF = unknown (Cash Flow -1.80b)
EPS Correlation: 98.42 | EPS CAGR: 181.7% | SUE: 0.77 | # QB: 0
Revenue Correlation: 97.08 | Revenue CAGR: 42.50% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-03-31): EPS=0.12 | Chg30d=-0.001 | Revisions Net=+2 | Analysts=5
EPS current Year (2026-12-31): EPS=0.58 | Chg30d=+0.006 | Revisions Net=+0 | Growth EPS=+54.5% | Growth Revenue=+28.3%
EPS next Year (2027-12-31): EPS=0.77 | Chg30d=-0.038 | Revisions Net=+0 | Growth EPS=+32.3% | Growth Revenue=+21.8%