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Company Analysis

SoFi Technologies, Inc. SOFI

A comprehensive view of key metrics, scores, and financial health for SoFi Technologies, Inc.

Overview of SoFi Technologies, Inc.

SOFI NMS
Financial Services Credit Services Large Cap
SoFi Technologies, Inc. (SOFI), is a Large Cap company, in the Credit Services industry, last closed at $17.76, about 62.0% overvalued vs fair value, +44.2% 1Y return, ranked 819/1004 in sector.
$17.76
0.34%
As of March 13, 2026
Previous close • Vol 90d: 59.6%
52-Week Range
Market Cap
$24.10B
Enterprise Value
$20.99B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.sofi.com
HQ San Francisco, CA
Employees 6,100
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $17.76 -62% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$3.4B
20.2%%
Interest Expense
$1.2B
Net Interest Income
$2.2B
29.3%%
Total Revenue
$4.8B
82.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$65.0M
13.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating SoFi Technologies, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
46
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SOFI's balance between Growth (46.3%), Profitability (28.7%), and Safety (25.1%). Growth 46% Safety 25% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

73th percentile vs peers
73
Key Signals
Rev Growth YoY 82.6% 86p Revenue CAGR 3Y 44.7% 92p TSR 70.0% 90p EPS Growth YoY -12.2% 20p
Strengths
  • Rev Growth Yoy in top 20% of peers (82.6%, 86th percentile)
  • Revenue Cagr 3Y in top 20% of peers (44.7%, 92th percentile)
  • Growth above peer median with strong metric coverage (85%)
  • Tsr in top 20% of peers (70.0%, 90th percentile)
  • Consistently strong margins across 3 metrics
Risks
  • Eps Growth Yoy in bottom 20% of peers (-12.2%)

Profitability

45th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for SoFi Technologies, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$6.75
- - -
-62.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
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