Stock Analysis
SoFi Technologies, Inc. Common StockSOFI
P/E 29.54×· 5Y range 23.38–92.75×· bottom 3% of history
Sector: Financial Services · Industry: Finance Services
AnalystsHold31 analystsP/E 29.5× sits at the 3rd percentile of its 5.0513347022587265-year history.
Cash covers 92% of debt · Q2 2026.
PMP Verdict
Cheap for a reason — weak fundamentals
Risks
- Quality17
- Financial Health26
Cheap for a reason — fundamentals remain weak.
Market context
-3.6% today· Z 1.4σ
Bull Case
- ✓Revenue CAGR 38.4% — durable top-line growth
- ✓P/E 29.5× at bottom 3% of 5-year history
What's happening with SOFI
Profile
earnings quality, moat and financial health lag behind.
How is each axis scored?
- Valuation50/100 · Moderate
- P/E vs own history (3th pct)25/25
- FCF yield (-47.1%)0/25
- P/S (4.3x)20/25
- EV/EBIT (25.7x)5/25
- Growth50/100 · Moderate
- Revenue CAGR (38.4%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (30.6%)25/25
- Profitability50/100 · Moderate
- ROIC (5.1%)5/25
- ROE (5.7%)5/25
- Net margin (14.8%)20/25
- Operating margin (17.1%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.29)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.4x)3/25
- Net cash / debt (D/A 0%)20/25
- Quality17/100 · Weak
- Piotroski F (3/9)5/25
- Beneish M (-1.77)6/25
- FCF conversion (-1382%)0/25
- Margin stability (σ 24.7%)6/25
- Moat25/100 · Weak
- ROIC >12% years (0/6 yrs)0/25
- Median gross margin (82.1%)25/25
- FCF-positive years (0/5 yrs)0/25
- Worst-year net margin (worst -49.1%)0/25
Risk Flags
- ⚠Altman Z 0.3 — distress-zone balance sheet
- ⚠Beneish M -1.77 — earnings-manipulation flag
- ⚠Negative FCF margin (-2.0%) — burning cash
- ⚠SBC 6.6% of revenue — real dilution cost
- ⚠4 loss-making years in recent history
About SoFi Technologies, Inc. Common Stock
SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Show more
Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Headquarters: SAN FRANCISCO, CA · Employees: 6,100 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
50CP/E (TTM)29.3xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 23.4x–92.7x · 3rd pct
P/FCF27.7xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield-47.1%D
Grade D: NegativeTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -193.3%–-0.2% · 41st pct
P/S (TTM)4.33xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.6x–40.0x · 38th pct
EV/EBIT25.7xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 25.3x–37.4x · 1st pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E22.5xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.68xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.93A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.00%B
Grade B: NoneTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio3.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC5.1%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE5.7%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.2%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin14.8%A
Grade A: HighNet Income / Revenue
Operating Margin17.1%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin83.9%A
Grade A: PremiumGross Profit / Revenue
FCF Margin-200.0%D
Grade D: LowFCF / Revenue
True FCF Margin-210.8%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
50CRevenue CAGR38.4%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth30.6%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+435.3%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income44.6%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue6.6%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.29D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.4xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.31xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.92xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
17EPiotroski F-Score3/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score-1.77D
Grade D: RiskyEarnings manipulation risk. < -2.22 Safe
FCF Conversion-1382.0%D
Grade D: PoorFCF / Net Income
Margin Stability24.7%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue6.7%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Keough Kelli Filed | Keough Kelli | SellOpen market sale | -10203 | |
Rishel Jeremy Filed | Rishel Jeremy | SellOpen market sale | -18624 | |
Schuppenhauer Eric Filed | Schuppenhauer Eric | Tax withholding | -2757 | |
Keough Kelli Filed | Keough Kelli | Tax withholding | -66033 | |
Pinto Arun Filed | Pinto Arun | Tax withholding | -11838 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Rishel Jeremy Filed | Rishel Jeremy | Tax withholding | -41750 | |
Lavet Robert S Filed | Lavet Robert S | Tax withholding | -14414 | |
Schuppenhauer Eric Filed | Schuppenhauer Eric | Option exercise | -6493 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years0/6 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)82.1%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-49.1%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$0.49
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.94
Cash & short-term investments per share (Finnhub)
Book Value / Share$8.58
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.42B
Total debt obligations (short + long term)
Cash & Equiv.$3.13B
Cash and short-term investments
Net Debt$289.14M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$11.08B
Shareholders' equity (book value)
Asset / Liability1.22xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$18.66B
Current Market Capitalization
Beta2.29D
Grade D: High volatilityPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: SoFi Technologies, Inc. Common Stock (SOFI)
SOFI is down 3.58% at the last close. SoFi Technologies, Inc. Common Stock meets only 3 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 0.29 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -1.77 is above the −1.78 flag threshold, a signal that reported earnings warrant closer scrutiny. Revenue has compounded at roughly 38% annually — a strong growth profile.
- Free-cash-flow margin is negative (-200%) — the business currently burns cash.
- Company has negative FCF, making debt repayment from operations difficult.
- Interest coverage of 0.4× leaves little room for earnings shocks.
- SoFi Technologies, Inc. Common Stock posted a net loss in 4 of 6 available completed fiscal years (2020–2025).
See how SOFI ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all SOFI moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 15.05 | +5.80% | 3.04 |
| Oct 15 | After-hours | 15.06 | +5.91% | 3.09 |
| Oct 14 | Regular | 14.16 | -7.12% | -4.25 |
| Oct 14 | After-hours | 14.09 | -7.55% | -4.53 |
| Oct 12 | Regular | 15.22 | -3.70% | -2.01 |
Frequently Asked Questions about SOFI
What is the current SoFi Technologies, Inc. Common Stock (SOFI) stock price?
SOFI is trading at $14.55 at the last market close, down 3.58% on the session. PreMarketPrice tracks SOFI pre-market, intraday and after-hours prices.
Is SOFI stock a buy right now?
PreMarketPrice's quantitative model rates SoFi Technologies, Inc. Common Stock's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is SOFI stock overvalued?
SoFi Technologies, Inc. Common Stock trades at a trailing P/E of 29.3 and our valuation score rates it 50/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does SoFi Technologies, Inc. Common Stock report earnings?
No confirmed earnings date is currently scheduled for SOFI. The Earnings section lists recent reports and updates as dates are announced.
What sector does SoFi Technologies, Inc. Common Stock operate in?
SoFi Technologies, Inc. Common Stock operates in the Financial Services sector, within the Finance Services industry. The Related Stocks section lists sector peers for comparison.
What does SoFi Technologies, Inc. Common Stock do?
SoFi is a financial services company that was founded in 2011 and is based in San Francisco.
About SoFi Technologies, Inc. Common Stock (SOFI) Stock
SoFi Technologies, Inc. Common Stock (SOFI) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry. As of the latest update, SoFi Technologies, Inc. Common Stock is trading at $14.55, down 3.58% on the day with a market capitalization of $18.7 billion. The financial health score for SOFI is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for SOFI stock.
SOFI Stock Analysis & Key Metrics
On PreMarketPrice, you can track SoFi Technologies, Inc. Common Stock (SOFI) across multiple dimensions:
- Pre-market price & movement: Real-time SOFI stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for SOFI with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for SoFi Technologies, Inc. Common Stock across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SOFI.
- Sector peers: Compare SOFI against 6 other financial services stocks on key financial metrics.
Is SOFI a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate SoFi Technologies, Inc. Common Stock (SOFI) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.SoFi Technologies, Inc. Common Stock (SOFI) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.