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SoFi Technologies Inc

SOFI

29.680USD

+0.650+2.24%

Close 10/31, 16:00（ET）Quotes delayed by 15 min

35.75BMarket Cap

55.84P/E TTM



SoFi Technologies Inc

29.680

+0.650+2.24%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of SoFi Technologies Inc

Currency: USD Updated: 2025-10-31

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite a good stock market performance and strong technicals, the fundamentals don't support the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

SoFi Technologies Inc's Score

Industry at a Glance

Industry Ranking

143 / 408

Overall Ranking

227 / 4618

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 23 analysts

Hold

Current Rating

26.244

Target Price

-9.60%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

SoFi Technologies Inc Highlights

StrengthsRisks

SoFi Technologies, Inc. is a provider of financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest, and protect their money. It operates through three segments: Lending, Technology Platform and Financial Services. The Lending Segment offers personal loans, student loans, home loans and related servicing. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding, and servicing. The Technology Platform segment provide technology platform 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 include SoFi Money, SoFi Invest, and other services, including SoFi Credit Card, Lantern Credit, SoFi Relay, SoFi Protect, and SoFi Travel.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 75.61% year-on-year.

Turnaround to Profit

The company's performance has turned profitable, with the latest annual net income of USD .

Overvalued

The company’s latest PB is 4.07, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 638.25M shares, increasing 6.62% quarter-over-quarter.

Held by Catherine Wood

Star Investor Catherine Wood holds 4.42M shares of this stock.

Financial Health

Currency: USD Updated: 2025-10-31

The company's current financial score is 5.06, which is lower than the Banking Services industry's average of 7.05. Its financial status is weak, and its operating efficiency is low. Its latest quarterly revenue reached 800.18M, representing a year-over-year increase of 39.55%, while its net profit experienced a year-over-year increase of 129.47%.

Score

Industry at a Glance

Previous score

5.06

Change



Financials

5.58

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.46

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.61

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.50

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.17

Key Metrics

Free cash flow

No Data

SoFi Technologies Inc's Company Valuation

Currency: USD Updated: 2025-10-31

The company’s current valuation score is 7.44, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 50.45, which is 82.02% below the recent high of 91.83 and 196.93% above the recent low of -48.90.

Score

Industry at a Glance

Previous score

7.44

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 143/408

No Data

Earnings Forecast

Currency: USD Updated: 2025-10-31

The company’s current earnings forecast score is 6.52, which is lower than the Banking Services industry's average of 7.39. The average price target for SoFi Technologies Inc is 27.00, with a high of 38.00 and a low of 12.00.

Score

Industry at a Glance

Previous score

6.52

Change

Support & Resistance

No Data

Analyst Rating

Based on 23 analysts

Hold

Current Rating

26.244

Target Price

-9.60%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

SoFi Technologies Inc

SOFI

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

Ally Financial Inc

ALLY

Bread Financial Holdings Inc

BFH

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-10-31

The company’s current price momentum score is 9.01, which is higher than the Banking Services industry's average of 7.35. Sideways: Currently, the stock price is trading between the resistance level at 33.06 and the support level at 25.80, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.90

Change

0.11

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.317

Buy

RSI(14)

55.968

Neutral

STOCH(KDJ)(9,3,3)

57.771

Sell

ATR(14)

1.875

Low Volatility

CCI(14)

39.153

Neutral

Williams %R

42.333

Buy

TRIX(12,20)

0.412

Sell

StochRSI(14)

18.056

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

30.254

Sell

MA10

29.298

Buy

MA20

28.316

Buy

MA50

27.284

Buy

MA100

23.654

Buy

MA200

18.562

Buy

Institutional Confidence

Currency: USD Updated: 2025-10-31

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 53.78%, representing a quarter-over-quarter increase of 10.77%. The largest institutional shareholder is The Vanguard, holding a total of 100.05M shares, representing 8.31% of shares outstanding, with 7.27% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

The Vanguard Group, Inc.

Star Investors

100.05M

+0.82%

Jane Street Capital, L.L.C.

65.33M

+475.48%

BlackRock Institutional Trust Company, N.A.

42.11M

-0.71%

D. E. Shaw & Co., L.P.

29.25M

-16.61%

Two Sigma Investments, LP

22.91M

+20.78%

Al-Hammadi (Ahmed Ali)

19.87M

+0.13%

Geode Capital Management, L.L.C.

19.07M

+0.10%

BofA Global Research (US)

19.03M

+65.25%

State Street Investment Management (US)

18.59M

-0.72%

UBS Financial Services, Inc.

17.16M

+56.27%

Risk Assessment

Currency: USD Updated: 2025-10-31

The company’s current risk assessment score is 5.54, which is lower than the Banking Services industry's average of 6.60. The company's beta value is 1.93. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.