Add To Watchlist
Share URL
SoFi Technologies, Inc.
SOFI: NasdaqGSLowest reading is at 29 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Anthony J. Noto
Market Cap
18.79 Billion USD
Sector
Financial Services
Website
https://www.sofi.comLast Update
15/10/2026, 01:10:22
Description
SoFi Technologies, Inc.
Read More
Strongest readings
- ✔Debt is low at 0.18 times equity
- ✔Financial health is strong (health score 82 out of 100)
Weakest readings
- ✘Share count has been rising at 73.17% per year
- ✘Income is not covering expenditure and investment (free cashflow -6.81 per share)
- ✘The current price sits above estimated fair value (margin of safety -39.24%)
- ✘Price-to-earnings of 27.1 is above the market average of 19.6
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 27.10x | 19.60x | |
| ✘ | Margin of safety (DCF) | -39.24% | 17.95% | |
| ✔ | Revenue growth (5y average) | 23.10% | 10.97% | |
Dividend yield (TTM) | N/A | 1.85% | ||
| ✘ | Share count, per year | 73.17% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
34 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 27.10x | 19.60x | |
| ✘ | Free cashflow yield | -48.23% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 1.65x | — | ||
| ✘ | Margin of safety | -39.24% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 8.58 USD is below the current price of 14.55 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 7.2 USD ✘
Current Price: 14.1 USD
Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
41 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 23.10% | 10.97% | |
| ✘ | Earnings growth | -8.70% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (9.15% against a five year average of 23.10%)
- ✔Earnings growth has improved this year (-1.08% against a five year average of -8.70%)
Health
82 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.18x | 0.80x | |
| ✔ | Debt / total capital | 0.16x | 1.00x | |
| Equity / assets | 20.71% | — | ||
| Loans / deposits | 1.01x | — | ||
| Net interest margin | 4.38% | — | ||
| Loan-loss cover | 0.13% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Income is not covering expenditure and investment (free cashflow -6.81 per share)
Management
29 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 4.59% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.95% | — | ||
| Free cashflow return on capital | -7.87% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 73.17% | 0.00% | |
| ✘ | Share count, recent | 12.30% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✘ | Goodwill erosion / equity | 2.19% | 2.00% | |
| Price volatility, 5 year | 65.42% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 34 out of 100
- ✔Dividends were reduced when earnings fell (dividend -29.59% per year, earnings -8.70% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
SOFI
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
SoFi Technologies, Inc.
Currency
USD
Beta
2.208
Vol Avg
60832182
Ceo
Mr. Anthony J. Noto
Cik
0001818874
Cusip
Exchange
NasdaqGS
Full Time Employees
6100
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
234 1st Street
City
San Francisco
State
CA
Country
United States
Zip
94105
Phone
855 456 7634
Analysis Last Updated
15/10/2026, 01:10:22
Financial data compiled from SEC EDGAR filings and Yahoo Finance.