What is SoFi Technologies, Inc.'s (SOFI.MX) StockRank?

MoatMap's StockRank for SoFi Technologies, Inc. (SOFI.MX) is 15/100, with a Strong Sell signal. This is a composite score combining Quality (50), Value (32), and Momentum (21) factor ranks across MoatMap's 19,000+ stock universe.

Does SoFi Technologies, Inc. have an economic moat?

SoFi Technologies, Inc. (SOFI.MX) has a Quality factor score of 50/100. 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 financial characteristics of a moated business.

Is SoFi Technologies, Inc. a buy, hold, or sell?

MoatMap's current signal for SoFi Technologies, Inc. (SOFI.MX) is Strong Sell, based on a StockRank of 15/100. 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.MX) operates in the Financial Services sector, specifically the Credit Services industry (United States).

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SOFI.MX

STRONG SELLREMOVE

SoFi Technologies, Inc. · Financial Services · United States · $23.7B · Avg Vol: $164K/d

StockRank

P/E (TTM)

36.8x

ROE

6.6%

D/E

0.2x

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SoFi is a fast-growing digital financial services platform. However, it operates as a capital-heavy bank holding company subject to strict regulatory capital requirements, which limits its ability to behave as an asset-light compounder. It fails our Terry Smith and Warren Buffett margin of safety lenses at current valuations.

COMPANY DESCRIPTION

SoFi Technologies, Inc. is a digital financial services company offering a comprehensive suite of products including student loan refinancing, personal loans, mortgages, and checking/savings accounts. The company's competitive moat is driven by its "financial services productivity loop," which lowers customer acquisition costs by cross-selling multiple products on a single digital platform. SoFi operates as a leading neobank, holding a full US banking charter that allows it to fund loans with low-cost deposits.

FINANCIAL SUMMARY

Year	2022	2023	2024	2025	CAGR
Revenue	91M	122M	151M	208M	31.9%
EPS	-0.02	-0.02	0.03	0.02	-8.7%
Shares	934M	976M	1.1B	1.3B	+36.1%
Debt	325M	309M	185M	112M	-30.0%
Equity	319M	320M	376M	605M	23.8%
Op CF	-418M	-417M	-65M	-216M	—
Inv CF	-6M	-109M	-278M	-387M	—
Fin CF	486M	627M	290M	756M	—

PRICE (1M)+6.0%

SMA 50SMA 200

$17.01

RSI (14)

57.0

52W High

$34.70

From 52W High

0.5%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*47.5

ROE

6.6%28.7

GP/Assets

111.1%98.4

Op. Margin

18.3%35.9

FCF/Assets

—N/A

Piotroski

—44.4

Int. Cover

—N/A

D/E Ratio

0.18x70.3

Current Ratio

1.12x31.3

Value

P/E (TTM)

36.8x9.7

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.1x91.8

P/S

5.4x25.5

Div Yield

—N/A

Momentum

52W High %

49%5.7

RS 6M

-46%7.2

SMA 50/200

0.71x2.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

134%88.9

FUNDAMENTALS

Market Cap

$23.7B

P/E (Forward)

—

Gross Margin

83.5%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SOFI.MX are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
SOFI.MX	SoFi Technologies, Inc.(you)	$23.7B	15	STRONG SELL
AFRM	Affirm Holdings, Inc.	$24.4B	31	SELL
SYF	Synchrony Financial	$24.0B	36	HOLD
COF	Capital One Financial Corporation	$116.4B	14	STRONG SELL
2PP.DE	PayPal Holdings, Inc.	$39.8B	46	HOLD
SLM	SLM Corporation	$4.1B	24	SELL
ALLY	Ally Financial Inc.	$13.1B	48	HOLD
UPST	Upstart Holdings, Inc.	$3.1B	7	STRONG SELL
NNI	Nelnet, Inc.	$4.7B	36	HOLD
AEC1.DE	American Express Company	$217.0B	25	SELL

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

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

SoFi Technologies, Inc. (SOFI.MX) has a MoatMap StockRank of 15/100 based on Quality (50/100), Value (32/100), and Momentum (21/100) factor scores. The current signal is STRONG SELL. SoFi is a fast-growing digital financial services platform. However, it operates as a capital-heavy bank holding company subject to strict regulatory capital requirements, which limits its ability to behave as an asset-light compounder. It fails our Terry Smith and Warren Buffett margin of safety lenses at current valuations.

Key Financial Metrics

Price	$17.01
Market Cap	$23.7B
P/E (TTM)	36.83
Price/Book	0.11
Return on Equity	6.6%
Debt/Equity	17.72
Gross Margin	83.5%
Operating Margin	18.3%
Revenue Growth	42.5%

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.MX) StockRank?: MoatMap’s StockRank for SoFi Technologies, Inc. (SOFI.MX) is 15/100, with a Strong Sell signal. It is a composite of Quality (50), Value (32), and Momentum (21) factor ranks across MoatMap’s 19,000+ stock universe.
Does SoFi Technologies, Inc. have an economic moat?: SoFi Technologies, Inc. (SOFI.MX) has a Quality factor score of 50/100. 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.MX) is Strong Sell, based on a StockRank of 15/100. 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.MX) operates in the Financial Services sector, specifically the Credit Services industry (United States).