Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SOFI
STRONG SELLSoFi Technologies, Inc. · Financial Services · United States · $21.1B · Avg Vol: $1.4B/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.6B | 2.1B | 2.6B | 3.6B | 31.9% | 3.9B | 4.7B | 5.8B | 26.5% |
| EPS | -0.40 | -0.36 | 0.46 | 0.42 | -8.7% | 0.44 | 0.66 | — | 58.0% |
| Shares | 933.9M | 975.9M | 1.1B | 1.3B | +36.1% | 1.3B | — | — | — |
| Debt | 5.6B | 5.4B | 3.2B | 1.9B | -30.0% | 1.9B | — | — | — |
| Equity | 5.5B | 5.6B | 6.5B | 10.5B | 23.8% | — | — | — | — |
| Op CF | -7.3B | -7.2B | -1.1B | -3.7B | — | -6.1B | — | — | — |
| Inv CF | -106.3M | -1.9B | -4.8B | -6.7B | — | — | — | — | — |
| Fin CF | 8.4B | 10.9B | 5.0B | 13.1B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SOFI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SOFI | SoFi Technologies, Inc.(you) | $21.1B | 17 | STRONG SELL |
| AFRM | Affirm Holdings, Inc. | $23.5B | 36 | HOLD |
| SYF | Synchrony Financial | $23.7B | 47 | HOLD |
| ALLY | Ally Financial Inc. | $13.1B | 49 | HOLD |
| NNI | Nelnet, Inc. | $4.8B | 32 | SELL |
| SLMBP | SLM Corporation | $4.9B | 34 | SELL |
| UPST | Upstart Holdings, Inc. | $2.6B | 12 | STRONG SELL |
| OMF | OneMain Holdings, Inc. | $6.9B | 44 | HOLD |
| 2PP.DE | PayPal Holdings, Inc. | $38.9B | 60 | HOLD |
| COF | Capital One Financial Corporation | $124.4B | 39 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%