SoFi Technologies, Inc. (SOFI)

NMS: SOFI · USD

$17.2

+0.76 (+4.7%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-05-19

Our latest published analysis: SOFI rated Sell

SoFi Technologies, Inc.'s published Sell conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$10.0 / share

Potential value

$18.1 / share

Upside to FV

-34.2%

from $17.2

Moat

6.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$19.5B
Revenue (ttm)	4.7B
Net income (ttm)	737.9M
EPS (ttm)	$0.54
Shares out	1.3B
P/E (trailing)	31.6x
P/E (forward)	19.5x
Volume	75,969,848
Beta	2.33

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 4.7B
Net income (ttm): 737.9M
EPS (ttm): $0.54
P/E (trailing): 31.6x
P/E (forward): 19.5x
Market cap: $19.5B

Item	P1	P2	P3	P4	Trend
Period	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$1.57B	$2.11B	$2.61B	$3.61B	+31.9%
Gross profit	—	—	—	—	—
Operating income	—	—	—	—	—
Net income	$-320.4M	$-300.7M	$498.7M	$481.3M	—
EPS (diluted)	$-0.40	$-0.36	$0.39	$0.39	—
EBITDA	—	—	—	—	—
R&D	—	—	—	—	—
SG&A	$1.12B	$1.23B	$1.40B	$1.80B	+17.2%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Güçlü Al
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Güçlü Al
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Tut
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	Al
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	Güçlü Al
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	Al

Base and Bull scenarios

Bull20%

Price target

$18.07

+18.6% from spot

The technology platform achieves global scale, and the financial services loop drives CAC to near-zero, resulting in ROE expanding past 20% and commanding a software-like multiple.

Tech platform achieves global scale
ROE expands past 20%
CAC falls to near-zero

Base55%

Price target

$10.02

-34.2% from spot

Valuation synthesizes structural playbook constraints for financials via the Residual Income model alongside realistic fintech growth potential through Forward Earnings, yielding a balanced composite.

Terminal growth 2.5%
WACC 11.72%
Terminal Multiple 15x

Sensitivity: Ke × terminal growth

The highlighted base cell is anchored to composite fair-value midpoint ($10.02). It is the reference value for this grid, not a separate standalone fair-value claim.

Ke ↓ / g →	1.5%	2.0%	2.5%	3.0%	3.5%
10.4%	$11.1	$11.8	$12.6	$13.4	$14.4
11.4%	$10.0	$10.6	$11.1	$11.8	$12.6
12.4%	$9.10	$9.54	$10.0	$10.6	$11.1
13.4%	$8.34	$8.70	$9.10	$9.54	$10.0
14.4%	$7.69	$8.00	$8.34	$8.70	$9.10

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E19.5

P25 n/aP50 n/aP75 n/a

Trailing P/E33.8

P25 n/aP50 n/aP75 n/a

ROE7.4

P25 n/aP50 n/aP75 n/a

ROIC5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SOFI indicators

Market & fundamental data

Available fields

218

Groups with data

Currency

USD

Showing 218 of 218 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001818874
Company name	SoFi Technologies, Inc.
Country	United States
Country code	US
CUSIP number	83406F102
Earnings date	2026-10-27
Earnings time	bmo
Employees	6,100
Employees change	1,100
Employees growth	22%
Enterprise value	$23.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	2011
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US83406F1021
Last 10-K release date	2026-02-17
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$22.3B
Market cap category	Large-Cap
Next earnings date	2027-01-29
Options	Yes
Price	$17.17
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	SOFI
U.S. state	California
Website	https://www.sofi.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	31.98x
Average P/E ratio (3Y)	39.99x
Earnings yield	3.17%
EV/Earnings	31.23x
EV/Sales	4.92x
FCF / EV yield	-38.16%
FCF yield	-40.2%
Forward EV/Sales	3.83x
Forward P/E	20.76x
Forward P/S	3.64x
Graham number	10.32232
Graham upside	-38.81%
Industry forward P/E	19.57x
Industry P/E	22.74x
P/B ratio	1.88x
P/E ratio	31.58x
P/S ratio	4.67x
PEG ratio	0.53x
Price / tangible book value	2.26x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	18.65%
Gross margin	84.15%
Operating margin	19.35%
Pretax margin	19.35%
Profit margin	15.74%
Profit per employee	$120,961
Profitable quarters	11
Profitable years	2
Revenue per employee	$768,262
ROA	1.31%
ROA (5Y)	-1.27%
ROE	7.35%
ROE (5Y)	-2.04%
ROIC	4.96%
ROIC (5Y)	-0.44%
SBC / revenue	6.65%
Tax / revenue	3.61%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	0.28%
EPS growth (Q)	63.97%
EPS growth (QoQ)	53.18%
EPS growth quarters	2
EPS growth years	0
Net income growth	15.25%
Net income growth (Q)	72.89%
Net income growth (QoQ)	53.9%
Net income growth quarters	2
Net income growth years	0
Operating income growth	126.15%
Operating income growth (Q)	113.95%
Revenue growth	42.42%
Revenue growth (Q)	43.89%
Revenue growth (QoQ)	13.73%
Revenue growth 3Y	34.96%
Revenue growth 5Y	40.11%
Revenue growth quarters	22
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-290.5M
EPS	$0.54
FCF per share	$-6.78
Financing cash flow	$18.1B
Free cash flow	$-8.8B
Free cash flow minus SBC	$-9.1B
Gross profit	$3.9B
Income taxes	$169.2M
Investing cash flow	$-8.8B
Net borrowing	$-598.1M
Net cash flow	$851M
Net income	$737.9M
Operating cash flow minus SBC	$-8.8B
Operating income	$907M
Revenue	$4.7B
Stock-based compensation	$283.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$8.71
Debt / equity	0.35
Goodwill	$1.4B
Net cash (debt)	$-1.2B
Net cash / market cap	-5.35%
Net debt / equity	0.1
Piotroski F-Score	2
Property, plant and equipment	$661.5M
Shareholders' equity	$11.3B
Tangible book value	$9.7B
Tangible book value per share	$7.45
Total assets	$67.8B
Total cash	$2.8B
Total debt	$4B
Total liabilities	$56.5B
WACC	14.45%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.08
Current ratio	1.09
Quick ratio	0.43
Working capital	$4.8B
Working capital turnover	0.95

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-12.51%
Dividend yield	0%
Shareholder yield	-12.51%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$16.97
1D price change	4.66%
1M price change	3.5%
1M total return	3.5%
1W price change	16.89%
1W total return	16.89%
1Y price change	-42.8%
1Y return CAGR	-42.82%
1Y total return	-42.8%
20-day SMA	$15.30
200-day SMA	$17.88
3M price change	1.66%
3M total return	1.66%
3Y price change	149.78%
3Y return CAGR	35.67%
3Y total return	149.78%
50-day SMA	$16.62
50-day SMA vs 200-day SMA	50under200
52-week high	$32.73
52-week high date	2025-11-12
52-week low	$13.86
52-week low date	2026-10-15
5Y price change	-10.86%
5Y return CAGR	-2.27%
5Y total return	-10.86%
6M price change	-8.53%
6M total return	-8.53%
After-hours change	-0.2%
After-hours close	$17.17
After-hours price	$17.13
All-time high	$32.73
All-time high date	2025-11-12
All-time low	$4.24
All-time low date	2022-12-07
Average true range (ATR)	$0.75
Average volume	52.4M
Beta (1Y)	2.67
Beta (2Y)	2.46
Beta (5Y)	2.33
Change from 52-week high	-47.56%
Change from 52-week low	23.85%
Change from all-time high	-47.57%
Change from all-time low	304.72%
Change from open	3.65%
Day's gap	0.98%
Dollar volume	$1.3B
High price	$17.25
Low price	$16.56
Monthly RSI	50.09
Open price	$16.56
Position in 52-week range	87.68%
Premarket change	1.16%
Premarket close	$16.40
Premarket price	$16.59
Premarket volume	1.4M
Previous close	$16.40
Price vs 150-day SMA	1.13%
Price vs 20-day SMA	12.16%
Price vs 200-day SMA	-4.04%
Price vs 50-day SMA	3.27%
Relative volume	1.45
RSI	62.56
Sharpe ratio	-0.77
Sharpe ratio (3Y)	0.71
Sharpe ratio (5Y)	0.2
Sortino ratio	-0.95
Sortino ratio (3Y)	1.15
Sortino ratio (5Y)	0.39
Volume	76M
Weekly RSI	49.01
YTD price change	-34.45%
YTD total return	-34.45%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.3B
Float percentage	98.05%
Shares change (QoQ)	0.43%
Shares change (YoY)	12.51%
Shares held by insiders	1.52%
Shares held by institutions	50.75%
Shares outstanding	1.3B
Short % of float	16.9%
Short % of shares	16.57%
Short ratio	4.8 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	2,924

Deeper analysis on SOFI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this SOFI report

What is the latest published SOFI stock rating?

SoFi Technologies, Inc. is shown with Sell in the latest published report, analyzed 2026-05-19. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full SOFI analysis?

The full latest published report, analyzed 2026-05-19, lives at /stocks/SOFI/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for SOFI?

The latest published report analyzed 2026-05-19 gives SOFI a fair value of USD 10 and a potential value of USD 18. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the SOFI page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-05-19). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

SellSOFI · Fair value $10.0-34.2%

Read full analysis →

Category	Score	Reading
Valuation	1.5
Management	6.0
Balance Sheet	7.0
Profitability	5.5
Revenue Growth	9.0
Risk Assessment	6.5
Competitive Moat	6.5
Earnings Quality	4.5
Capital Efficiency	4.0

SoFi Technologies, Inc. (SOFI)

Our latest published analysis: SOFI rated Sell

Price

Financial snapshot

Fair-value bridge

Latest news · SOFI

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All SOFI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on SOFI

Frequently asked questions

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