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Stock Research: SoFi

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

SoFi

NSQ:SOFI US83406F1021
86
  • Value
    1
  • Growth
    79
  • Safety
    Safety
    67
  • Combined
    67
  • Sentiment
    39
  • 360° View
    360° View
    86
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Company Description

SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.

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ANALYSIS: With an Obermatt 360° View of 86 (better than 86% compared with alternatives) for 2026, overall professional sentiment and financial characteristics for the stock SoFi are very positive. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for SoFi. The consolidated Growth Rank has a good rank of 79, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 79% of competitors in the same industry. In addition, the consolidated Safety Rank has a safer rank of 67 which means that the company has a financing structure that is safer than 67% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. But the consolidated Value Rank has a less desirable rank of 1 which means that the share price of SoFi is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is higher than for 99% of alternative stocks in the same industry. The consolidated Sentiment Rank also has a low rank of 39, which means that professional investors are more pessimistic about the stock than for 61% of alternative investment opportunities. ...read more

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Strongest Rank Value
Weakest Rank Leverage
Country USA
Industry Consumer Finance
Size Small
Website sofi.com
Index
NASDAQ
SoFi stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 26-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
1 11 4 9
Growth
79 97 97 81
Safety
Safety
67 78 4 15
Sentiment
39 29 53 67
360° View
360° View
86 67 20 25
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Metrics Current 2025 2024 2023
Analyst Opinions
6 18 23 1
Opinions Change
66 32 66 50
Pro Holdings
n/a 66 45 100
Market Pulse
55 48 54 64
Sentiment
39 29 53 67
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Metrics Current 2025 2024 2023
Value
1 11 4 9
Growth
79 97 97 81
Safety Safety
67 78 4 15
Combined
67 83 11 13
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
3 19 20 16
Price vs. Earnings (P/E)
3 5 3 4
Price vs. Book (P/B)
15 38 35 31
Dividend Yield
1 1 1 1
Value
1 11 4 9
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Metrics Current 2025 2024 2023
Revenue Growth
86 96 88 96
Profit Growth
79 84 49 58
Capital Growth
6 76 76 85
Stock Returns
87 89 97 15
Growth
79 97 97 81
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Metrics Current 2025 2024 2023
Leverage
91 84 64 62
Refinancing
71 10 1 19
Liquidity
67 97 17 8
Safety Safety
67 78 4 15

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Frequently Asked
Questions

The company has high growth and safe financing but is expensive (low Value Rank) and has low market sentiment. This is a warning that the stock may be too expensive. This is for an experienced growth investor willing to risk overpaying, but only after conducting thorough research on future growth potential.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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