Sofi Technologies Inc (SOFI)
NASDAQ:SOFI
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SoFi
(NASDAQ:SOFI)
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Rating:60Neutral
Price Target:
$16.50
▼(-15.08% Downside)
Action:Reiterated
Date:05/09/26
The score is supported by strong earnings-call guidance and improving profitability/leverage, but capped by persistently negative operating/free cash flow (key financial risk) and a clearly bearish technical trend (price below major moving averages with negative MACD). Valuation is moderately demanding at ~30x earnings and does not provide meaningful downside support.
Positive Factors
Profitability Inflection
Transitioning from multi-year losses to consistent operating profit and positive net income is a durable fundamental shift. Sustained profitability improves internal funding capacity, supports reinvestment in growth initiatives, and reduces reliance on external capital, strengthening long-term viability.
Negative Factors
Persistent Negative Cash Flow
Deep negative operating and free cash flow, despite accounting profits, is a structural risk. Ongoing cash burn necessitates continued external financing or equity issuance, which can dilute returns and constrain strategic flexibility if market funding tightens or costs rise.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Inflection
Transitioning from multi-year losses to consistent operating profit and positive net income is a durable fundamental shift. Sustained profitability improves internal funding capacity, supports reinvestment in growth initiatives, and reduces reliance on external capital, strengthening long-term viability.
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
$20.13B
Dividend YieldN/A
Average Volume (3M)64.05M
Price to Earnings (P/E)30.4
Beta (1Y)2.29
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. Volume60,329,938
30 Day Avg. Volume64,051,162
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 Cap0.91
Enterprise Value/Revenue3.56
Enterprise Value/Gross Profit4.68
Enterprise Value/Ebitda20.49
Forecast
1Y Price Target
$20.69Price Target Upside6.47% Upside
Rating ConsensusHold
Number of Analyst Covering19
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.67B
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 Earnings Call Summary
Earnings Call Date:Apr 29, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 04, 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 | 3.76B | 4.93B | 4.34B | 3.59B | 1.46B | 689.62M |
| Total Debt | 1.91B | 1.82B | 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
Negative
19.43
Price Trends
16.86
Negative
19.83
Negative
23.39
Negative
Market Momentum
-0.54
Positive
43.28
Neutral
37.70
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 19.43 is above the 20-day moving average (MA) of 16.40, above the 50-day MA of 16.86, and below the 200-day MA of 23.39, indicating a bearish trend. The MACD of -0.54 indicates Positive momentum. The RSI at 43.28 is Neutral, neither overbought nor oversold. The STOCH value of 37.70 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 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $22.35B | 37.53 | 11.17% | ― | 32.33% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $4.15B | 3.40 | 31.16% | 1.88% | 1.73% | 28.93% | |
64 Neutral | $6.26B | 6.91 | 23.62% | 6.07% | 7.80% | 42.28% | |
61 Neutral | $13.06B | 9.56 | 9.19% | 2.58% | -0.72% | 198.95% | |
60 Neutral | $20.13B | 30.39 | 6.25% | ― | 32.00% | 10.31% | |
50 Neutral | $2.76B | -93.50 | 6.59% | ― | 57.69% | ― |
* Financial Sector Average
SOFI
SoFi
15.69
2.89
22.58%
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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.