SoFi Technologies Inc
Exchange: NASDAQSector: Financial ServicesIndustry: Credit Services
SoFi is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial products and services helps its more than 7.5 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app. SoFi also equips members with the resources they need to get ahead – like career advisors, Credentialed Financial Planners, exclusive experiences and events, and a thriving community – on their path to financial independence. SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
Did you know?
SOFI's revenue grew at a 41.9% CAGR over the last 6 years.
Current Price
$16.43
+2.05%GoodMoat Value
$21.57
31.3% undervaluedProfile
Valuation (TTM)
Market Cap$19.81B
P/E41.16
EV—
P/B1.89
Shares Out1.21B
P/Sales5.48
Revenue$3.61B
EV/EBITDA21.55
SoFi Technologies Inc (SOFI) Stock Analysis
Market Cap$19.81B
Current Price$16.43
P/E Ratio41.16
Forward P/E—
PEG Ratio-0.77
EPS$0.39
Book Value$8.70
P/B Ratio1.89
SOFI Financial Charts
FCF vs CAPEX
FCFCAPEX
Cash vs Debt
Net Cash: 3.4B
Revenue
443M
FY19
566M
FY20
985M
FY21
1.6B
FY22
2.1B
FY23
2.7B
FY24
3.6B
FY25
Net Income
—
FY19
—
FY20
—
FY21
—
FY22
—
FY23
499M
FY24
481M
FY25
SOFI 52-Week Range
$12.73
$32.21
50-Day MA: $17.60200-Day MA: $23.76
Did you know?
SOFI's revenue grew at a 41.9% CAGR over the last 6 years.
SoFi Technologies Inc (SOFI) Financial Summary
SoFi Technologies Inc (SOFI) is a Financial Services company in the Credit Services industry, listed on NASDAQ. The stock currently trades at $16.43 with a market capitalization of $19.81B.
Key valuation metrics include a P/E ratio of 41.16, price-to-book ratio of 1.89, and EPS of $0.39. The company reports a profit margin of 13.3% and return on equity of 4.6%.
SOFI Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $19.81B |
| P/E Ratio | 41.16 |
| EPS | $0.39 |
| P/B Ratio | 1.89 |
| P/S Ratio | 5.48 |
| EV/EBITDA | 21.55 |
| Profit Margin | 13.3% |
| Return on Equity | 4.6% |
| Debt/Equity | 0.18 |
SOFI Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $442.66M | $-239.70M |
| FY20 | $565.53M | $-224.05M |
| FY21 | $984.87M | $-483.94M |
| FY22 | $1.57B | $-320.41M |
| FY23 | $2.12B | $-300.74M |
| FY24 | $2.67B | $498.67M |
| FY25 | $3.61B | $481.32M |
SoFi Technologies Inc (SOFI) Valuation
Based on GoodMoat's DCF model, SoFi Technologies Inc has a fair value estimate of $21.57. At the current price of $16.43, the stock appears 23.8% undervalued relative to our intrinsic value estimate.
SOFI Quality Indicators
SoFi Technologies Inc maintains a profit margin of 13.3% and an operating margin of 15.4%. Return on equity stands at 4.6%. Debt-to-equity ratio is 0.18.
About SoFi Technologies Inc
SoFi is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial products and services helps its more than 7.5 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app. SoFi also equips members with the resources they need to get ahead – like career advisors, Credentialed Financial Planners, exclusive experiences and events, and a thriving community – on their path to financial independence. SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
SOFI Free Cash Flow
SoFi Technologies Inc generated $-3.99B in trailing twelve-month free cash flow, representing an FCF yield of -20.16%. This low FCF yield may reflect heavy reinvestment or growth spending.
SOFI Shares Outstanding
SoFi Technologies Inc has 1.21 billion shares outstanding at a share price of $16.43, giving it a market capitalization of $19.81B.