Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SOFI
Strong SellSinkerSoFi Technologies, Inc. · Financial Services · United States · $23.3B · Avg Vol: $904M/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% | 4.3B | 4.9B | 6.2B | 31.0% |
| EPS | -0.40 | -0.36 | 0.46 | 0.42 | -8.7% | 0.49 | 0.67 | — | 60.4% |
| Shares | 933.9M | 975.9M | 1.1B | 1.3B | +36.1% | 1.3B | — | — | — |
| Debt | 5.6B | 5.4B | 3.2B | 1.9B | -30.0% | 3.4B | — | — | — |
| Equity | 5.5B | 5.6B | 6.5B | 10.5B | 23.8% | — | — | — | — |
| Op CF | -7.3B | -7.2B | -1.1B | -3.7B | — | -8.5B | — | — | — |
| 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) | $23.3B | 19 | Strong Sell |
| AFRM | Affirm Holdings, Inc. | $26.2B | 41 | Hold |
| SYF | Synchrony Financial | $25.4B | 48 | Hold |
| ALLY | Ally Financial Inc. | $12.8B | 40 | Hold |
| NNI | Nelnet, Inc. | $4.6B | 29 | Sell |
| SLMBP | SLM Corporation | $4.9B | 33 | Sell |
| UPST | Upstart Holdings, Inc. | $2.8B | 22 | Sell |
| AXP | American Express Company | $225.0B | 28 | Sell |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| COF | Capital One Financial Corporation | $132.3B | 49 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%