SoFi Technologies Inc.

SOFI

13.66 (0.07%) 0.01

15.10(B)

Financials

Consumer Finance

SoFi Technologies Inc. provides various financial services in the United States Latin America Canada and Hong Kong. It operates through three segments: Lending Technology Platform and Financial Services. The company offers lending and financial services and products that allows its members to borrow save spend invest and protect money; and personal loans student loans home loans and related services. The company also operates Galileo a technology platform that offers services to financial and non-financial institution; and Technisys a cloud-native digital and core banking platform that provides software licenses and associated services including implementation and maintenance. In addition it provides SoFi Money offers checking and savings accounts and cash management products; and SoFi Invest a mobile-first investment platform that offers access to trading and advisory solutions such as investing and robo-advisory. Further the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees including student loan payments made on their employees’ behalf; Lantern Credit a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco California.

My Holdings:

(?% ownership)

Shares:

Cost basis:

Market cap:$15.10(B)

EV:N/A

Total Equity:$6.68(B)

Div. yield:0.00%

Earnings date:Jul-28-2025

P/E:31.05

P/E (fwd):48.79

P/FCF:N/A

P/S:5.32

P/B:2.26

EPS:$0.4

EPS (fwd):$0.3

FCF/share:$-1.8

Dividend/share:$0.0

Book value/share:$6.0

ROIC:5.1%

ROA:1.4%

ROE:7.5%

Jump to:Valuation TTM Financials Growth Estimates Historical Data Similar Companies Ownership Tools Summary

SOFI Valuation & Price Targets

Current Price

13.66

PE Valuation

N/A

PEvaluation is not available for SOFI.

Analyst targets

N/A

No analyst estimates for SOFI.

DCF

N/A

Adjust your assumptions to reach a valid valuation.

DCF (exit mult.)

N/A

Adjust your assumptions to reach a valid valuation.

Future P/E

N/A

Adjust your assumptions to reach a valid valuation.

Peter Lynch FV

N/A

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Graham No.

N/A

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DDM

N/A

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PEvaluation

79% overvalued

Low

$2.16

Mid

$2.88

High

$3.61

Current price

$13.66

Fair P/E

Margin of safety

Market Model

Economic moat: None/narrow

Analyst Price Targets

4% undervalued

Low

$6.0

Mid

$14.3

High

$20.0

Current price

$13.7

Strong Buy3

Buy4

Hold8

Sell2

Strong Sell2

Estimated EPS

	Low	Avg	High	#
FY+1	0.3	0.3	0.3	8
FY+2	0.4	0.5	0.6	8
FY+3	0.5	0.6	0.8	4
FY+4	0.7	0.7	0.7	1
FY+5	0.9	0.9	0.9	1

Discounted Cash Flow

Forecast years
Terminal Growth Rate
Discount Rate

Free cash flow estimates:

Y+1 est.

Y+2 est.

0.00%

Y+3 est.

0.00%

Y+4 est.

0.00%

Y+5 est.

0.00%

Discounted Cash Flow (exit mult.)

Forecast years
Exit FCF Multiple
Discount Rate

Free cash flow estimates:

Y+1 est.

Y+2 est.

0.00%

Y+3 est.

0.00%

Y+4 est.

0.00%

Y+5 est.

0.00%

Future P/E Valuation

Projection Years
Base Revenue
Revenue Growth Rate
Final Net Margin
Final P/E Ratio
Discount Rate

Peter Lynch Fair Value

Earnings Per Share
Growth Rate (*)

(*) Growth rate is capped between 0 and 25

Graham Formula

Earnings Per Share
Expected Growth Rate
Government Bond Rate

(*) Growth rate is capped to 25

Dividend Discount Model

Annual Dividend
First Stage Length (Years)
First Stage Growth Rate
Final Growth Rate
Discount Rate

(*) First stage rowth rate is capped to 20%

Based on 0 valuation methods, the average fair value estimate for SOFI is $N/A (NaN% overvalued).

Valuations range from $1.7976931348623157e+308 (N/A) to $0.0 (N/A).

TTM Financials

Income (TTM)

Revenue$2.77(B)

Gross profit$2.27(B)

EBITDA$0

Net income$481.74(M)

Gross margin82.1%

Operating marginNaN%

Net margin17.4%

Shares outstanding:1.11(B)

Balance sheet

Total assets$37.75(B)

Current assets$31.89(B)

Total liabilities$31.07(B)

Current liabilities$27.91(B)

Cash & Short-term inv.$2.09(B)

Long-term debt$3.05(B)

Total intangibles$2.06(B)

PP&E$394.44(M)

Cash flow (TTM)

FCF$-2.01(B)

CapEx$-174.88(M)

Dividends paid$-339.90(M)

Stock issued$21.14(M)

Stock repurchased$-24.43(M)

Stock-based comp.$254.83(M)

Debt issued$0

Debt repaid$212.83(M)

Per share data (TTM)

Growth Estimates

Revenue

CAGR: 11.5%

FY+1$3.27(B)

FY+2(+19.2%)$3.90(B)

FY+3(+16.0%)$4.52(B)

FY+4(+0.5%)$4.54(B)

FY+5(+11.4%)$5.06(B)

Net Income

CAGR: 30.6%

FY+1$360.94(M)

FY+2(+56.0%)$562.90(M)

FY+3(+33.7%)$752.41(M)

FY+4(+11.9%)$841.97(M)

FY+5(+24.6%)$1.05(B)

EPS

CAGR: 34.3%

FY+1$0.28

FY+2(+67.9%)$0.47

FY+3(+34.0%)$0.63

FY+4(+15.9%)$0.73

FY+5(+24.7%)$0.91

FCF per share

No analyst estimates.

Historical Financials

Showing limited histrical data. Access 10+ years of financials now! Upgrade

YearlyQuarterly

Income

	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	TTM	5Y avg	5Y CAGR
Revenue			565.53(M)	984.87(M)	1.57(B)	2.11(B)	2.61(B)	2.80(B)	1.57(B)	47%
COGS			185.61(M)	110.35(M)	243.61(M)	844.27(M)	1.12(B)	1.12(B)	501.38(M)	57%
Total OpEx.			1.07(B)	1.53(B)	2.01(B)	2.89(B)	3.50(B)	3.64(B)	2.20(B)	34%
Pre-tax income			-328.52(M)	-481.18(M)	-318.72(M)	-301.16(M)	233.34(M)	218.90(M)	-239.25(M)	N/A%
Income tax			104.47(M)	-2.76(M)	-1.69(M)	416000	265.32(M)	262.84(M)	73.15(M)	26%
Net Income			-224.05(M)	-483.94(M)	-320.41(M)	-300.74(M)	498.67(M)	481.74(M)	-166.09(M)	N/A%

Cash flow

Stock-based Comp.FCFCFONet IncomeD&ACFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures

Balance sheet

Total AssetsTotal LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EIntangible AssetsGoodwillCurrent liabilitiesAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity

Per share data

EPS (Basic)FCF/ShareDividend/ShareEPS (Diluted)Book value/ShareCash & ST inv./ShareDebt/Share

Ratios

P/EP/SEV/EarningsP/FCFP/BEV/FCFDebt/EquityPayout ratio

Margins

Net Income MarginOperating MarginGross MarginEBITDA MarginFCF Margin

Returns

ROICROAROCEROE

Shares outstanding

Shares (Basic)Shares (Diluted)

Market Cap.

Market Cap.

Similar Companies

Ownership

Major holders

Insiders: 3.26%
Institutions: 47.52%
Other: 49.22%

Institutional ownership

Insider transactions

Show:

Buys

Sells

Grants

	Date	Shares	Total ($)	Price ($)	Name	Title
Sell	2025-05-20	11,520	154,126	13.4	KEOUGH KELLI ALLEN	Officer
Sell	2025-04-21	11,181	119,707	10.7	KEOUGH KELLI ALLEN	Officer
Sell	2025-03-20	68,625	867,420	12.6	RISHEL JEREMY DYLAN	Chief Technology Officer
Sell	2025-03-20	11,181	142,238	12.7	KEOUGH KELLI ALLEN	Officer
Sell	2025-02-20	9,185	141,702	15.4	KEOUGH KELLI ALLEN	Officer
Sell	2025-01-21	8,914	156,730	17.6	KEOUGH KELLI ALLEN	Officer
Sell	2024-12-23	8,914	138,949	15.6	KEOUGH KELLI ALLEN	Officer
Sell	2024-12-19	64,991	1,021,659	15.7	RISHEL JEREMY DYLAN	Chief Technology Officer
Buy	2024-12-16	30,599	500,001	16.3	SCHUPPENHAUER ERIC	Officer
Sell	2024-12-12	52,000	833,186	16.0	RUZWANA BASHIR	Director
Sell	2024-12-04	31,154,165	498,834,768	16.0	SLTA IV GP, L.L.C.	Unknown
Sell	2024-11-20	9,590	139,594	14.6	KEOUGH KELLI ALLEN	Officer
Sell	2024-10-21	9,308	96,458	10.4	KEOUGH KELLI ALLEN	Officer
Sell	2024-09-23	9,308	74,343	8.0	KEOUGH KELLI ALLEN	Officer
Sell	2024-09-20	68,081	552,818	8.1	RISHEL JEREMY DYLAN	Chief Technology Officer
Sell	2024-08-22	24,939	180,952	7.3	KEOUGH KELLI ALLEN	Officer
Grant	2024-08-12	35,034	0	0.0	SLTA IV GP, L.L.C.	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-20	56,273	360,710	6.4	RISHEL JEREMY DYLAN	Chief Technology Officer
Buy	2024-06-14	30,715	199,110	6.5	NOTO ANTHONY J.	Chief Executive Officer
Sell	2024-06-13	19,840,073	134,515,695	6.8	QATAR INVESTMENT AUTHORITY	Affiliated Person
Grant	2024-06-12	5,000	0	0.0	LAVET ROBERT S	General Counsel

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The Future Yield Calculator helps you estimate the future dividend yield of a stock based on its current dividend, price, and expected dividend growth rate.

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Summary

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