SoFi Technologies, Inc. Common Stock (SOFI) — Analysis Summary
SoFi Technologies, Inc. Common Stock (SOFI) has a market cap of $24.77B with year-over-year revenue growth of +23.1%. Net margin stands at 77.7%. The stock trades at a P/E ratio of 38.9.
Key Takeaways
- Revenue changed +23.1% year-over-year
- Net margin of 77.7%
- P/E ratio of 38.9
Compared to other companies in the FINANCE SERVICES sector, SOFI posted revenue growth of +23.1% and trades at a P/E of 38.9.
SoFi Technologies, Inc. Common Stock (SOFI)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.0x — earnings do not cover interest payments
Negative gross margin (-13.8%) — selling below cost
Operating margin (0.0%) exceeds gross margin (-13.8%) — check for other operating income or data classification issues
The latest filing shows negative free cash flow.
SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Sector
FINANCE SERVICES
Employees
6,100
Headquarters
SAN FRANCISCO, CA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.