Sofi Technologies Inc (SOFI)
NASDAQ:SOFI
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SoFi
(NASDAQ:SOFI)
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Rating:63Neutral
Price Target:
$17.00
▲(8.77% Upside)
Action:ReiteratedDate:02/28/26
The score is supported by improving reported profitability, a strengthened leverage profile, and strong, upbeat 2026 guidance with accelerating fee-based growth. Offsetting this are persistently negative operating/free cash flow (including a 2025 deterioration), a weak technical backdrop (below key moving averages with negative MACD), and a relatively high P/E with no dividend yield provided.
Positive Factors
De‑risked balance sheet & lower leverage
SoFi's materially lower leverage and a much larger equity base improve financial flexibility and reduce refinancing and interest‑rate stress. Over a multi‑month horizon this strengthens the firm’s capacity to fund originations, absorb credit volatility, and pursue strategic investments without immediate capital strain.
Negative Factors
Persistent negative operating and free cash flow
Ongoing large negative operating and free cash flow undermines the quality of reported profits and increases reliance on external funding or equity issuance. Over a 2–6 month horizon, weak cash conversion heightens refinancing, funding‑cost and dilution risk if market access tightens or capital needs spike.
Read all positive and negative factors
Positive Factors
Negative Factors
De‑risked balance sheet & lower leverage
SoFi's materially lower leverage and a much larger equity base improve financial flexibility and reduce refinancing and interest‑rate stress. Over a multi‑month horizon this strengthens the firm’s capacity to fund originations, absorb credit volatility, and pursue strategic investments without immediate capital strain.
Read all positive factors
SoFi (SOFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$21.03B
Dividend YieldN/A
Average Volume (3M)66.45M
Price to Earnings (P/E)62.6
Beta (1Y)2.28
Revenue Growth22.40%
EPS Growth215.81%
CountryUS
Employees5,000
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.13
Shares Outstanding1,275,263,800
10 Day Avg. Volume48,096,339
30 Day Avg. Volume66,450,949
Financial Highlights & Ratios
PEG Ratio-7.19
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap0.84
Enterprise Value/Revenue3.70
Enterprise Value/Gross Profit5.38
Enterprise Value/Ebitda12.81
Forecast
1Y Price Target
$23.88Price Target Upside52.81% Upside
Rating ConsensusHold
Number of Analyst Covering16
EPS Forecast (FY)0.61
Revenue Forecast (FY)$4.66B
SoFi Business Overview & Revenue Model
Company Description
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, sp...
How the Company Makes Money
SoFi generates revenue primarily through a mix of interest income, fees, and technology-platform revenue across its operating segments. (1) Lending: SoFi earns interest income on loans it holds on its balance sheet (net interest income driven by t...
SoFi Key Performance Indicators (KPIs)
Any
Revenue by Segment
Analyzes revenue streams from different segments, revealing which parts of the business are most lucrative and where there might be room for growth.
Analyzes revenue streams from different segments, revealing which parts of the business are most lucrative and where there might be room for growth.
Data provided by:
The Fly
The FlySoFi Earnings Call Summary
Earnings Call Date:Jan 30, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
Earnings Call Sentiment Positive
The call presented a strongly positive performance and outlook: record revenue, record adjusted EBITDA, rapid member/product growth, large originations and meaningful expansion of fee‑based and capital‑light revenue streams. Management highlighted major product innovations (crypto/stablecoin, payments, Smart Card) and a strengthened balance sheet. Headwinds were identified but framed as manageable: a key tech‑platform client exit, modest QoQ credit seasoning increases, slight fair‑value mark and NIM pressure, near‑term higher marketing/investment spend, and reliance on macro assumptions for guidance. Overall, the positive operational and financial momentum, clear path to higher fee‑based revenue and strong capital position outweigh the identified risks.Positive Updates
Record Revenue — Q4 and Full Year 2025
Adjusted net revenue: Q4 2025 $1.013B (first $1B quarter), up 37% year‑over‑year; Full Year 2025 $3.6B, up 38% year‑over‑year.
Negative Updates
Loss of Large Tech‑Platform Client
A large tech platform client fully transitioned off the platform prior to year‑end; management expects no revenue from that client in 2026, causing an outsized near‑term headwind to Tech Platform comparables (Tech Platform Q4 revenue +19% YoY but impacted by the client exit).
Read all updates
Q4-2025 Updates
Positive
Negative
Record Revenue — Q4 and Full Year 2025
Adjusted net revenue: Q4 2025 $1.013B (first $1B quarter), up 37% year‑over‑year; Full Year 2025 $3.6B, up 38% year‑over‑year.
Read all positive updates
Company Guidance
SoFi guided to robust 2026 growth, forecasting total members up at least 30% year‑over‑year and adjusted net revenue of approximately $4.655 billion (≈30% y/y), adjusted EBITDA of roughly $1.6 billion (≈34% margin), adjusted net income of about $825 million (≈18% margin) and adjusted EPS of ~$0.60 (assuming a mid‑teens tax rate). For Q1 2026 the company expects adjusted net revenue of ≈$1.04 billion (≈35% y/y), adjusted EBITDA of ≈$300 million (29% margin), adjusted net income of ≈$160 million (15% margin) and adjusted EPS of ≈$0.12 (2x prior year Q1). Macro assumptions underpinning guidance include two Fed cuts to a 3.00%–3.25% year‑end fed funds rate, ~2.5% real GDP growth and 4.5%–5% unemployment; SoFi also expects net interest margin above 5% and, on a medium‑term basis, at least 30% CAGR in adjusted net revenue and 38%–42% CAGR in adjusted EPS from 2025–2028, with segment-level 2026 growth targets of Financial Services +40%+, Lending ~23% and Tech Platform ≈20% (pro forma).SoFi Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.77B | 3.70B | 2.90B | 1.76B | 1.09B |
| Gross Profit | 3.28B | 2.58B | 2.05B | 1.52B | 977.30M |
| EBITDA | 1.92B | 436.84M | -99.74M | -167.36M | -379.61M |
| Net Income | 481.32M | 498.67M | -300.74M | -320.41M | -483.94M |
Balance Sheet | |||||
| Total Assets | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B |
| Cash, Cash Equivalents and Short-Term Investments | 4.93B | 4.34B | 3.59B | 1.46B | 689.62M |
| Total Debt | 1.82B | 3.20B | 5.36B | 5.63B | 4.19B |
| Total Liabilities | 40.17B | 29.73B | 24.52B | 13.48B | 4.48B |
| Stockholders Equity | 10.49B | 6.53B | 5.55B | 5.53B | 4.70B |
Cash Flow | |||||
| Free Cash Flow | -3.98B | -1.28B | -7.35B | -7.36B | -1.40B |
| Operating Cash Flow | -3.74B | -1.12B | -7.23B | -7.26B | -1.35B |
| Investing Cash Flow | -6.72B | -4.82B | -1.89B | -106.33M | 110.19M |
| Financing Cash Flow | 13.11B | 5.03B | 10.89B | 8.44B | 684.99M |
SoFi Technical Analysis
Negative
15.63
Price Trends
18.77
Negative
22.99
Negative
23.84
Negative
Market Momentum
-0.87
Negative
42.25
Neutral
52.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SOFI, the sentiment is Negative. The current price of 15.63 is below the 20-day moving average (MA) of 16.65, below the 50-day MA of 18.77, and below the 200-day MA of 23.84, indicating a bearish trend. The MACD of -0.87 indicates Negative momentum. The RSI at 42.25 is Neutral, neither overbought nor oversold. The STOCH value of 52.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SOFI.
SoFi Risk Analysis
SoFi disclosed 100 risk factors in its most recent earnings report. SoFi reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
SoFi Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $6.56B | 10.25 | 23.40% | 6.07% | 9.51% | 29.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $21.03B | 62.56 | 5.87% | ― | 22.40% | 215.81% | |
62 Neutral | $4.29B | 7.53 | 31.14% | 1.88% | 0.59% | -1.11% | |
59 Neutral | $16.59B | 48.00 | 8.83% | ― | 37.00% | ― | |
51 Neutral | $12.84B | 16.52 | 5.74% | 2.58% | -6.89% | -33.20% | |
49 Neutral | $2.68B | 78.35 | 7.29% | ― | 73.29% | ― |
* Financial Sector Average
SOFI
SoFi
16.49
5.97
56.75%
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SoFi Corporate Events
Business Operations and StrategyExecutive/Board Changes
SoFi Extends General Counsel Role with Advisory Transition
Neutral
Jan 9, 2026
SoFi Technologies, Inc. previously announced that its General Counsel, Stephen Simcock, would retire effective December 31, 2025. The company and Simcock have now agreed that he will continue with SoFi as an advisor from January 5, 2026, through D...
Business Operations and StrategyPrivate Placements and Financing
SoFi Completes Expanded Common Stock Offering to Bolster Capital
Positive
Jan 5, 2026
On December 8, 2025, SoFi Technologies, Inc. completed a previously announced underwritten public offering of its common stock at $27.50 per share, conducted in partnership with a syndicate of major investment banks. The underwriters exercised the...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.