Stock Research: SoFi

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SoFi

NasdaqGS:SOFI US83406F1021
29
  • Value
    36
  • Growth
    73
  • Safety
    Safety
    4
  • Combined
    22
  • Sentiment
    57
  • 360° View
    360° View
    29
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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 29 (better than 29% 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 half of the metrics below and half above average for SoFi. The consolidated Growth Rank has a good rank of 73, 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 73% of competitors in the same industry. The consolidated Sentiment Rank also has a good rank of 57, which means that professional investors are more optimistic about the stock than for 57% of alternative investment opportunities. But the consolidated Value Rank has a less desirable rank of 4, 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 the stock price is higher than for 96% of alternative stocks in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 36, which means that the company has a financing structure that is riskier than those of 64% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...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: 30-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
4 11 4 9
Growth
73 97 97 81
Safety
Safety
36 78 4 15
Sentiment
57 29 53 67
360° View
360° View
29 67 20 25
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Metrics Current 2024 2023 2022
Analyst Opinions
15 18 23 1
Opinions Change
85 32 66 50
Pro Holdings
n/a 66 45 100
Market Pulse
67 48 54 64
Sentiment
57 29 53 67
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Metrics Current 2024 2023 2022
Value
4 11 4 9
Growth
73 97 97 81
Safety Safety
36 78 4 15
Combined
22 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)
9 19 20 16
Price vs. Book (P/B)
12 38 35 31
Dividend Yield
1 1 1 1
Value
4 11 4 9
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Metrics Current 2024 2023 2022
Revenue Growth
96 96 88 96
Profit Growth
14 84 49 58
Capital Growth
46 76 76 85
Stock Returns
99 89 97 15
Growth
73 97 97 81
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Metrics Current 2024 2023 2022
Leverage
86 84 64 62
Refinancing
1 10 1 19
Liquidity
33 97 17 8
Safety Safety
36 78 4 15

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