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SOFI

NEUTRAL
$19.43 Live
SoFi Technologies, Inc. · NASDAQ
Target $23.52 (+21.1%)
$10.49 52W Range $32.73
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 20, 2026
Market cap
$24.78B
P/E
49.82
ROE
5.7%
Profit margin
13.4%
Debt/Equity
0.18
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
SOFI exhibits a stark divergence between its growth trajectory and its deterministic financial health, highlighted by a weak Piotroski F-Score of 2/9. While the company demonstrates impressive revenue growth of 40.20% and a consistent track record of earnings beats, it trades at a significant premium to its Graham Number ($8.51) and Intrinsic Value ($2.73). The current price of $19.43 reflects high market expectations for future scaling rather than current fundamental value. Overall, the stock is a speculative growth play with deteriorating short-term financial health metrics and bearish insider sentiment.

Key Strengths

Strong top-line growth with 40.20% YoY revenue increase
Consistent earnings surprise record, beating estimates in 3 of the last 4 quarters
Low Debt/Equity ratio (0.18) indicating conservative leverage
High gross margins (83.00%) providing significant operating leverage
Positive analyst sentiment with a target price of $23.52

Key Risks

Very weak Piotroski F-Score (2/9) indicating poor fundamental health trends
Significant negative YoY earnings growth (-57.00%)
Extreme valuation premium over Graham Number and Intrinsic Value
Bearish insider activity with 7 sell transactions and 0 buys
Bearish technical trend (0/100) suggesting lack of price momentum
AI Fair Value Estimate
Based on comprehensive analysis
$11.25
-42.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
35
Weak
Value
25
Future
78
Past
50
Health
20
Dividend
0
AI Verdict
Speculative Growth
Key drivers: High Revenue Growth, Poor Piotroski Score, Valuation Gap, Insider Selling
Confidence
90%
Value
25/100

Ref P/E, PEG, Graham Number

Positives
  • Forward P/E (24.63) is lower than trailing P/E
Watchpoints
  • Price ($19.43) is 128% above Graham Number ($8.51)
  • Price is significantly higher than Intrinsic Value ($2.73)
  • High P/E ratio of 49.82
Future
78/100

Ref Growth rates

Positives
  • 40.20% YoY Revenue Growth
  • Strong Q/Q Revenue growth (39.63%)
  • Consistent EPS beats
Watchpoints
  • Negative YoY Earnings Growth
Past
50/100

Ref Historical trends

Positives
  • Strong 1Y price change (+77%)
  • Successful transition to profitability in recent quarters
Watchpoints
  • Recent 6M price decline (-26.8%)
  • Historical EPS volatility
Health
20/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Low Debt/Equity ratio
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
  • Quick ratio (0.55) suggests potential liquidity tightness
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0/100 Dividend Strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$19.43
Analyst Target
$23.52
Upside/Downside
+21.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SOFI and closest competitors.

Updated 2026-04-17
SOF
SoFi Technologies, Inc.
Primary
5Y
+26.2%
3Y
+224.9%
1Y
+77.0%
6M
-26.8%
1M
+13.1%
1W
+19.8%
CIN
Cincinnati Financial Corporation
Peer
5Y
+73.4%
3Y
+55.3%
1Y
+29.4%
6M
-2.2%
1M
-1.3%
1W
+1.8%
LPL
LPL Financial Holdings Inc.
Peer
5Y
+123.1%
3Y
+60.7%
1Y
+3.9%
6M
+1.5%
1M
+11.4%
1W
+9.3%
BRO
Brown & Brown, Inc.
Peer
5Y
+71.6%
3Y
+37.5%
1Y
-24.3%
6M
-23.1%
1M
-2.0%
1W
-1.0%
BAP
Credicorp Ltd.
Peer
5Y
+143.6%
3Y
+167.7%
1Y
+99.6%
6M
+46.0%
1M
+19.0%
1W
+7.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
49.82
Forward P/E
24.63
PEG Ratio
1.21
P/B Ratio
2.35
P/S Ratio
6.92
EV/Revenue
6.06
EV/EBITDA
N/A
Market Cap
$24.78B

Profitability

Profit margins and return metrics

Profit Margin 13.43%
Operating Margin 18.18%
Gross Margin 83.0%
ROE 5.66%
ROA 1.11%

Growth

Revenue and earnings growth rates

Revenue Growth +40.2%
Earnings Growth -57.0%
Q/Q Revenue Growth +39.63%
Q/Q Earnings Growth -47.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.18
Low debt
Current Ratio
1.18
Good
Quick Ratio
0.55
Poor
Cash/Share
$3.92

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$1.0B
Net Margin
16.9%
Total Assets
$50.7B
Liabilities
$40.2B
Equity
$10.5B
Debt/Equity
3.83x
Operating CF
$-1.0B
CapEx
$-0.1B
Free Cash Flow
$-1.1B
FCF Yield
107%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29
$N/A
2026-01-30
$0.12
+8.7% surprise
2025-10-28
$0.1
+23.0% surprise
2025-07-29
$0.09
+44.7% surprise

Financial Services Sector Comparison

Comparing SOFI against 551 companies in the Financial Services sector (102 bullish, 225 neutral, 224 bearish)
P/E Ratio
49.82
This Stock
vs
42.93
Sector Avg
+16.0% (Premium)
Return on Equity (ROE)
5.66%
This Stock
vs
-0.56%
Sector Avg
-1117.7% (Below Avg)
Profit Margin
13.43%
This Stock
vs
49.82%
Sector Avg
-73.0% (Weaker)
Debt to Equity
0.18
This Stock
vs
1.4
Sector Avg
-86.8% (Less Debt)
Revenue Growth
40.2%
This Stock
vs
40.32%
Sector Avg
-0.3% (Slower)
Current Ratio
1.18
This Stock
vs
3.49
Sector Avg
-66.2% (Weaker)

Similar Companies

Peer comparison within the same industry

SOFI SoFi Technologies, Inc.
NEUTRAL
Mkt Cap
$24.8B
P/E
49.8
ROE
5.7%
Price
$19.43
CINF Cincinnati...
BULLISH
Mkt Cap
$24.9B
P/E
10.6
ROE
16.0%
Price
$160.18
 Compare with SOFI
LPLA LPL Financial...
NEUTRAL
Mkt Cap
$25.8B
P/E
29.5
ROE
20.9%
Price
$321.89
 Compare with SOFI
BRO Brown & Brown, Inc.
NEUTRAL
Mkt Cap
$27.0B
P/E
23.8
ROE
10.7%
Price
$79.18
 Compare with SOFI
BAP Credicorp Ltd.
NEUTRAL
Mkt Cap
$27.3B
P/E
14.3
ROE
18.5%
Price
$344.33
 Compare with SOFI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

KEOUGH KELLI ALLEN
Officer
Sell
2026-03-20
9,742 shares · $165,066
RISHEL JEREMY DYLAN
Chief Technology Officer
Sell
2026-03-18
94,958 shares · $1,655,118
NOTO ANTHONY J.
Chief Executive Officer
Buy
2026-03-17
28,900 shares · $500,516
LAPOINTE CHRISTOPHER
Chief Financial Officer
Stock Award
2026-03-16
155,907 shares
RISHEL JEREMY DYLAN
Chief Technology Officer
Stock Award
2026-03-16
300,500 shares
PINTO ARUN
Officer
Stock Award
2026-03-16
11,434 shares
KEOUGH KELLI ALLEN
Officer
Stock Award
2026-03-16
122,188 shares
LAVET ROBERT S
General Counsel
Stock Award
2026-03-16
36,057 shares
NOTO ANTHONY J.
Chief Executive Officer
Stock Award
2026-03-16
459,848 shares
NOTO ANTHONY J.
Chief Executive Officer
Buy
2026-03-02
56,000 shares · $1,001,515
KEOUGH KELLI ALLEN
Officer
Sell
2026-02-20
9,755 shares · $184,118
PINTO ARUN
Officer
Stock Award
2026-02-17
45,389 shares
SCHUPPENHAUER ERIC
Officer
Stock Award
2026-02-17
55,731 shares
FREIBERG STEVEN J
Director
Sell
2026-02-06
94,225 shares · $1,913,710
FREIBERG STEVEN J
Director
Option Exercise
2026-02-06
250,000 shares · $1,832,500
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K
10-K
2026-02-17

SoFi filed its annual 10-K on February 17, 2026, providing comprehensive disclosures on its business operations and financial condition. The filing includes detailed management analysis of results and a dedicated section outlining the company's primary risk factors.

8-K
8-K
2026-01-30

SoFi Technologies, Inc. likely filed this 8-K to report its fourth quarter and full-year 2025 financial results.

8-K
8-K
2026-01-09
8-K
8-K
2026-01-05

SoFi Technologies, Inc. filed a current report on January 5, 2026, likely announcing the date and time for its upcoming quarterly earnings conference call.

8-K
8-K
2025-12-08
8-K
8-K
2025-12-05
8-K
8-K
2025-12-04
8-K
8-K
2025-11-13

SoFi Technologies, Inc. filed an 8-K to report its financial results for the third quarter of 2025.

10-Q
10-Q
2025-11-06

SoFi submitted its quarterly 10-Q filing on November 6, 2025. The report includes a comprehensive disclosure of risk factors under Item 1A, although specific financial highlights were not provided in the available excerpt.

8-K
8-K
2025-10-28

SoFi Technologies, Inc. announced its third-quarter financial results for the period ending September 30, 2025.

8-K
8-K
2025-08-29
10-Q
10-Q
2025-08-07
8-K
8-K
2025-07-31
8-K
8-K
2025-07-30
8-K
8-K
2025-07-29
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
20 analysts
Argus Research
2026-04-15
init
Hold
Goldman Sachs
2026-04-14
Maintains
Neutral Neutral
Wells Fargo
2026-04-09
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2026-04-09
Maintains
Underperform Underperform
Barclays
2026-04-06
Maintains
Equal-Weight Equal-Weight
Wells Fargo
2026-03-19
init
Equal-Weight
Truist Securities
2026-02-18
Maintains
Hold Hold
Citizens
2026-02-09
up
Market Perform Market Outperform
JP Morgan
2026-02-03
up
Neutral Overweight
Needham
2026-02-02
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning SOFI from our newsroom.

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