SoFi Technologies, Inc. SOFI
Composite 42/100; the shares have moved about 56% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Momentum ranks 31/100 — a moderate mark against it.
Growth ranks 64/100 — a moderate point in its favour.
Momentum ranks 31/100 — a moderate mark against it. Valuation ranks 32/100 — a moderate mark against it. Balance-sheet strength ranks 41/100 — a slight mark against it.
What the company does SoFi Technologies provides lending, digital banking, investment, and crypto services through its Lending, Technology Platform, and Financial Services segments. Its offerings include personal/student/home loans, SoFi Money checking/savings, SoFi Invest, SoFi Crypto, and credit cards. Galileo and Technisys provide B2B fintech infrastructure.
Key financials SoFi reports gross margins of 83.5%, operating margins of 18.3%, and net margins of 14.8%. Revenue grew 42.5% YoY, with EPS up 101.2%. ROE is 6.6%, ROA 1.3%, and ROCE 5.0%. Debt/equity is 0.31, current ratio 1.11, and interest coverage 0.54.
Stock health Momentum is weak: -33.05% over 6 months, -26.47% over 12 months, and -49.68% below the 52-week high. RSI(14) is 45.10. Sideravia scores SoFi 51.1 overall (Weak quality, fairly valued, weak momentum), with Quality 43.1 and Momentum 29.3.
Price vs fair value The stock trades at a **PREMIUM of 45.20%** to our fair-value estimate and a **discount of 25.27%** to the analyst 12-month target. - Record Q2 revenue drove a 8.00% 1-day gain, but Wall Street cut price targets (Stocktwits). - Raising revenue outlook despite higher net charge-offs led to an 8.4% drop (Simply Wall St.). - Tangible book value grew 80% YoY, yet the stock fell 9% (Motley Fool). - Analysts debate buy opportunities post-earnings (Motley Fool).
Looking forward Forward P/E is 27.40 (PEG 0.82), suggesting growth is priced in. Guidance and product expansion remain key catalysts, per the Q2 earnings call (Zacks). Execution on lending and tech platform growth will drive valuation clarity.
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Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.