SoFi Technologies, Inc. (SOFI) — Stock Score Summary

SoFi Technologies, Inc. (SOFI) has a MoatMap StockRank of 11/100 based on Quality (45/100), Value (21/100), and Momentum (28/100) factor scores. The current signal is STRONG SELL. SoFi is a high-growth consumer fintech, but it lacks a durable economic moat, faces high customer acquisition costs, and is highly sensitive to interest rate cycles without clear thematic tailwinds.

SoFi Technologies, Inc. is a digital personal finance company offering a comprehensive suite of financial products, including student loan refinancing, personal loans, mortgages, investing, and banking services via its mobile-first platform. Its competitive moat lies in its integrated 'financial one-stop shop' approach and national bank charter, allowing it to provide a seamless user experience and competitive rates. SoFi targets financially responsible, high-earning individuals, differentiating itself through technology and a broad product ecosystem.

Key Financial Metrics

Price$16.52
Market Cap$21.8B
P/E (TTM)38.11
P/E (Forward)21.98
Price/Book2.03
Return on Equity6.6%
Debt/Equity17.72
Gross Margin83.5%
Operating Margin18.3%
Revenue Growth42.5%

SoFi Technologies, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is SoFi Technologies, Inc.’s (SOFI) StockRank?
MoatMap’s StockRank for SoFi Technologies, Inc. (SOFI) is 11/100, with a Strong Sell signal. It is a composite of Quality (45), Value (21), and Momentum (28) factor ranks across MoatMap’s 19,000+ stock universe.
Does SoFi Technologies, Inc. have an economic moat?
SoFi Technologies, Inc. (SOFI) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is SoFi Technologies, Inc. a buy, hold, or sell?
MoatMap’s current signal for SoFi Technologies, Inc. (SOFI) is Strong Sell, based on a StockRank of 11/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is SoFi Technologies, Inc. in?
SoFi Technologies, Inc. (SOFI) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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