Stock Research: SoFi

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SoFi

NasdaqGS:SOFI US83406F1021
31
  • Value
    31
  • Growth
    89
  • Safety
    Safety
    5
  • Combined
    21
  • Sentiment
    43
  • 360° View
    360° View
    31
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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

ANALYSIS: With an Obermatt 360° View of 31 (better than 31% compared with alternatives), overall professional sentiment and financial characteristics for the stock SoFi are below the industry average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for SoFi. The consolidated Growth Rank has a good rank of 89, 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. It ranks higher than 89% of competitors in the same industry. The other indicators are below average, namely the Value, Safety, and Sentiment Ranks.The Value Rank at 5 means that the share price of SoFi is on the high side compared with its peers regarding revenues, profits, and invested capital. The stock price is higher than for 95% of alternative stocks in the same industry. The consolidated Safety Rank has a riskier rank of 31, which means that the company has a riskier financing structure than 69% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. The consolidated Sentiment Rank also has a low rank of 43, indicating professional investors are more pessimistic about the stock than for 57% of alternative investment opportunities. ...read more

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Index
NASDAQ
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: 2-Oct-2025.

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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.

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Metrics Current 2024 2023 2022
Value
5 11 4 9
Growth
89 97 97 81
Safety
Safety
31 78 4 15
Sentiment
43 29 53 67
360° View
360° View
31 67 20 25
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Metrics Current 2024 2023 2022
Analyst Opinions
18 18 23 1
Opinions Change
63 32 66 50
Pro Holdings
n/a 66 45 100
Market Pulse
80 48 54 64
Sentiment
43 29 53 67
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Metrics Current 2024 2023 2022
Value
5 11 4 9
Growth
89 97 97 81
Safety Safety
31 78 4 15
Combined
21 83 11 13
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
3 5 3 4
Price vs. Earnings (P/E)
13 19 20 16
Price vs. Book (P/B)
21 38 35 31
Dividend Yield
1 1 1 1
Value
5 11 4 9
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Metrics Current 2024 2023 2022
Revenue Growth
96 96 88 96
Profit Growth
10 84 49 58
Capital Growth
100 76 76 85
Stock Returns
99 89 97 15
Growth
89 97 97 81
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Metrics Current 2024 2023 2022
Leverage
82 84 64 62
Refinancing
1 10 1 19
Liquidity
33 97 17 8
Safety Safety
31 78 4 15

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