SoFi Technologies Inc.

SOFI

16.50 (2.00%) 0.33

17.90(B)

Financials

Consumer Finance

SoFi Technologies Inc. provides various financial services in the United States Latin America and Canada. 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. It offers 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 with financial services customers. In addition it provides SoFi Money offers checking and savings accounts debit cards and cash management products; and SoFi Invest a mobile-first investment platform that provides access to trading and advisory solutions such as investing and robo-advisory. Further the company offers SoFi Credit Card that provides cash backs 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 sells loans to third-party partner. The company was founded in 2011 and is based in San Francisco California.

Holdings:

Cost basis:

SoFi Technologies Inc. (SOFI) price target and intrinsic value estimate

SOFI's fair price estimate is $2.7

This valuation is based on a fair P/E of 5.4 and EPS estimates of $0.51

The median analyst price target for SOFI is $13.0.

Analyst price targets range from $4.0 to $19.0

Is SOFI overvalued or undervalued?

SOFI is currently trading at $16.5

SOFI is overvalued by 500% using the pevaluation method.

SOFI is overvalued by 27% compared to median analyst price targets.

Do you agree with this valuation?

Valuation

PEvaluation

Low $2.1

Median $2.7

High $3.4

Fair P/E

Margin of safety

Analyst valuation

Low $4.0

Median $13.0

High $19.0

Strong Buy1

Buy3

Hold8

Sell3

Strong Sell2

Discounted cash-flow

TTM FCFFCF est.Growth FCFTerminal FCF

Discount rate:

10%

Terminal rate:

Growth phase length:

Growth phase rate:

10%

Economic moat: None/narrow

Overview

Market data

Market cap:$17.90(B)

Enterprise value:0

Total Equity:$6.12(B)

Shares outstanding:1.09(B)

Div. yield:0.00%

P/S:6.68

P/E:91.67

P/FCF:N/A

P/B:2.92

EPS:$0.2

FCF per share:$-1.2

Dividend per share:$0.0

Income (TTM)

Revenue$2.52(B)

Gross profit$2.08(B)

EBITDA$0

Net income$214.10(M)

Gross margin82.6%

Net margin8.5%

Balance sheet

Total assets$34.38(B)

Total liabilities$28.26(B)

Cash & Short-term inv.$2.37(B)

Long-term debt$3.18(B)

Debt issued$123.03(M)

Debt repaid$-2.45(B)

Cash flow (TTM)

FCF$-1.31(B)

CapEx$-146.30(M)

Dividends paid$-36.88(M)

Stock issued$900000

Stock repurchased$-17.28(M)

Stock-based comp.$248.89(M)

Future Growth

Revenue

CAGR: 15.5%

FY+1$2.57(B)

FY+2$3.01(B)

FY+3$3.52(B)

FY+4$3.96(B)

FY+5$4.57(B)

Net Income

CAGR: 57.1%

FY+1$142.06(M)

FY+2$280.72(M)

FY+3$466.73(M)

FY+4$634.73(M)

FY+5$864.51(M)

EPS

CAGR: 60.2%

FY+1$0.12

FY+2$0.24

FY+3$0.41

FY+4$0.57

FY+5$0.79

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Historical Financials

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YearlyQuarterly

Income

RevenueNet IncomeCOGSGross ProfitTotal OpEx.R&DSG&AOperating IncomeInterest ExpenseInterest IncomePre-tax incomeIncome tax

Cash flow

FCFCFONet IncomeD&AStock-based Comp.CFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures

Balance sheet

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

Shares outstanding

Shares (Basic)Shares (Diluted)

Per share data

EPS (Basic)EPS (Diluted)FCF/ShareDividend/ShareBook value/Share

Ratios

P/EP/FCFP/BP/SEV/EarningsEV/FCFDebt/EquityPayout ratio

Margins

Net Income MarginOperating MarginGross MarginEBITDA MarginFCF Margin

Returns

ROICROAROCEROE

Market Cap.