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SoFi
(NASDAQ:SOFI)
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Rating:65Neutral
Price Target:
$18.50
▼(-4.79% Downside)
Action:Reiterated
Date:06/19/26
Score is supported primarily by improving profitability and a de-risked balance sheet, reinforced by upbeat guidance and strong operating momentum from the latest earnings call. The main constraint is the ongoing, sizable negative operating/free cash flow, with valuation (P/E ~38.5 and no dividend yield data) and only moderate technical setup further tempering the overall rating.
Positive Factors
Diversified Revenue Mix
SoFi's business produces material cash revenue from both net interest and fee streams, reducing reliance on a single product. This diversified cash generation (lending NII plus interchange, brokerage and platform fees) supports margin resilience and cross-sell durability as the member base scales over months.
Negative Factors
Persistent Negative Operating Cash Flow
Despite positive net income, large negative operating and free cash flows indicate the business has not yet converted accounting profits into cash. This persistent cash burn increases reliance on external financing, securitizations or equity, which can constrain strategic flexibility and raise funding costs if markets tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Revenue Mix
SoFi's business produces material cash revenue from both net interest and fee streams, reducing reliance on a single product. This diversified cash generation (lending NII plus interchange, brokerage and platform fees) supports margin resilience and cross-sell durability as the member base scales over months.
Read all positive factors
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 (SOFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$22.97B
Dividend YieldN/A
Average Volume (3M)73.82M
Price to Earnings (P/E)39.6
Beta (1Y)2.39
Revenue Growth32.00%
EPS Growth10.31%
CountryUS
Employees5,000
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.48
Shares Outstanding1,282,741,200
10 Day Avg. Volume83,033,878
30 Day Avg. Volume73,819,335
Financial Highlights & Ratios
PEG Ratio-7.17
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue3.99
Enterprise Value/Gross Profit5.24
Enterprise Value/Ebitda22.98
Forecast
1Y Price Target
$20.69Price Target Upside6.47% Upside
Rating ConsensusHold
Number of Analyst Covering19
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.68B
SoFi Business Overview & Revenue Model
Company Description
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, So...
How the Company Makes Money
SoFi primarily makes money through a mix of (1) lending-related income, (2) financial-services fees, and (3) B2B technology-platform revenues. (1) Lending: SoFi originates loans (notably personal loans, and also other consumer lending products). I...
SoFi Earnings Call Summary
Earnings Call Date:Apr 29, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call emphasized robust top-line acceleration, record originations, strong profitability and capital strength, alongside strategic progress in crypto and technology. Key near-term headwinds include a lost large tech platform client, modest fair value mark pressure due to higher benchmark rates, and accelerated marketing spend in H1. Overall, the positive operating momentum, record metrics, and solid capital position outweigh the transitory challenges noted by management.Positive Updates
Strong Revenue Growth and Rule of 40 Outperformance
Adjusted net revenue of $1.1B in Q1, up 41% year-over-year; achieved 18th consecutive quarter exceeding the Rule of 40 with a 72% score (41% revenue growth and 31% adjusted EBITDA margin).
Negative Updates
Tech Platform Customer Exit and Revenue Impact
Technology Platform net revenue was $75M in Q1, negatively impacted by the exit of a previously disclosed large customer; contribution profit $12M (16% margin) and overall segment revenue below prior expectations.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Revenue Growth and Rule of 40 Outperformance
Adjusted net revenue of $1.1B in Q1, up 41% year-over-year; achieved 18th consecutive quarter exceeding the Rule of 40 with a 72% score (41% revenue growth and 31% adjusted EBITDA margin).
Read all positive updates
Company Guidance
SoFi guided Q2 2026 to roughly 30% adjusted net revenue growth year‑over‑year (~$1.115 billion), an adjusted EBITDA margin of ~30% (≈$330 million) and an adjusted net income margin of ~12%–13% (≈$0.10–$0.11 EPS), citing an interest‑rate outlook consistent with Fed‑funds futures and no rate cuts in 2026; for the full year they reiterated ~30% top‑line growth and $0.50 EPS, with segment targets of Lending adjusted net revenue growth ≥30%, Technology Platform net revenue ~ $325 million, Financial Services adjusted net revenue growth ≥40% and corporate revenue roughly flat, while expecting a net interest margin above 5% and noting seasonal payroll taxes and accelerated marketing investment in H1 to drive back‑half growth.SoFi Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.14B | 4.77B | 3.70B | 2.90B | 1.76B | 1.09B |
| Gross Profit | 3.91B | 3.58B | 2.58B | 2.05B | 1.52B | 977.30M |
| EBITDA | 892.07M | 760.01M | 436.84M | -99.74M | -167.36M | -379.61M |
| Net Income | 576.93M | 481.32M | 498.67M | -300.74M | -320.41M | -483.94M |
Balance Sheet | ||||||
| Total Assets | 53.70B | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B |
| Cash, Cash Equivalents and Short-Term Investments | 6.45B | 7.36B | 4.34B | 3.59B | 1.46B | 689.62M |
| Total Debt | 1.91B | 1.93B | 3.20B | 5.36B | 5.63B | 4.19B |
| Total Liabilities | 42.89B | 40.17B | 29.73B | 24.52B | 13.48B | 4.48B |
| Stockholders Equity | 10.81B | 10.49B | 6.53B | 5.55B | 5.53B | 4.70B |
Cash Flow | ||||||
| Free Cash Flow | -2.53B | -3.98B | -1.28B | -7.35B | -7.36B | -1.40B |
| Operating Cash Flow | -2.27B | -3.74B | -1.12B | -7.23B | -7.26B | -1.35B |
| Investing Cash Flow | -11.49B | -6.72B | -4.82B | -1.89B | -106.33M | 110.19M |
| Financing Cash Flow | 14.80B | 13.11B | 5.03B | 10.89B | 8.44B | 684.99M |
SoFi Technical Analysis
Positive
19.43
Price Trends
16.87
Positive
17.43
Positive
22.33
Negative
Market Momentum
0.39
Negative
58.48
Neutral
68.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SOFI, the sentiment is Positive. The current price of 19.43 is above the 20-day moving average (MA) of 17.26, above the 50-day MA of 16.87, and below the 200-day MA of 22.33, indicating a neutral trend. The MACD of 0.39 indicates Negative momentum. The RSI at 58.48 is Neutral, neither overbought nor oversold. The STOCH value of 68.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SOFI.
SoFi Risk Analysis
SoFi disclosed 102 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | $28.33B | 73.55 | 11.17% | ― | 32.33% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.87B | 8.81 | 23.62% | 6.07% | 7.80% | 42.28% | |
65 Neutral | $22.97B | 39.62 | 6.25% | ― | 32.00% | 10.31% | |
65 Neutral | $4.83B | 7.01 | 31.16% | 1.88% | 1.73% | 28.93% | |
61 Neutral | $13.89B | 10.92 | 9.19% | 2.58% | -0.72% | 198.95% | |
56 Neutral | $3.33B | 68.18 | 6.59% | ― | 57.69% | ― |
* Financial Sector Average
SOFI
SoFi
18.24
-0.33
-1.78%
SLM
SLM
25.60
-7.56
-22.79%
ALLY
Ally Financial
45.32
5.31
13.27%
OMF
OneMain Holdings
59.50
3.99
7.18%
UPST
Upstart Holdings
34.78
-39.04
-52.89%
AFRM
Affirm Holdings
84.58
15.39
22.24%
SoFi Corporate Events
Executive/Board ChangesShareholder Meetings
SoFi Shareholders Approve Directors, Pay and Auditor at Meeting
Positive
Jun 19, 2026
On June 17, 2026, SoFi Technologies, Inc. held its 2026 annual meeting of stockholders, at which shareholders voted on director elections, executive compensation, and auditor ratification. Stockholders elected ten incumbent directors to one-year t...
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.