Is SoFi Technologies Stock a Good Investment?
SoFi Technologies Investment Advice | SOFI |
- Examine SoFi Technologies' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research SoFi Technologies' leadership team and their track record. Good management can help SoFi Technologies navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact SoFi Technologies' business and its evolving consumer preferences.
- Compare SoFi Technologies' performance and market position to its competitors. Analyze how SoFi Technologies is positioned in terms of product offerings, innovation, and market share.
- Check if SoFi Technologies pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about SoFi Technologies' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in SoFi Technologies stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if SoFi Technologies is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Somewhat reliable | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine SoFi Technologies Stock
Researching SoFi Technologies' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 48.0% of the company shares are owned by institutional investors. The book value of SoFi Technologies was at this time reported as 5.96. The company has Price/Earnings To Growth (PEG) ratio of 2.22. SoFi Technologies had not issued any dividends in recent years.
To determine if SoFi Technologies is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding SoFi Technologies' research are outlined below:
| SoFi Technologies generated a negative expected return over the last 90 days | |
| SoFi Technologies has high historical volatility and very poor performance | |
| SoFi Technologies is unlikely to experience financial distress in the next 2 years | |
| SoFi Technologies currently holds about 935.16 M in cash with (1.12 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.01. | |
| SoFi Technologies has a poor financial position based on the latest SEC disclosures | |
| Latest headline from zacks.com: SoFi Technologies, Inc. Suffers a Larger Drop Than the General Market Key Insights |
SoFi Technologies uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in SoFi Technologies. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to SoFi Technologies' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 6th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact SoFi Technologies' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises SoFi Technologies' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2025-01-27 | 2024-12-31 | 0.04 | 0.05 | 0.01 | 25 | ||
2024-10-29 | 2024-09-30 | 0.04 | 0.05 | 0.01 | 25 | ||
2024-04-29 | 2024-03-31 | 0.01 | 0.02 | 0.01 | 100 | ||
2022-11-01 | 2022-09-30 | -0.1 | -0.09 | 0.01 | 10 | ||
2023-05-01 | 2023-03-31 | -0.07 | -0.05 | 0.02 | 28 | ||
2024-01-29 | 2023-12-31 | -0.01 | 0.02 | 0.03 | 300 | ||
2023-10-30 | 2023-09-30 | -0.07 | -0.03 | 0.04 | 57 | ||
2023-01-30 | 2022-12-31 | -0.09 | -0.05 | 0.04 | 44 |
SoFi Technologies Target Price Consensus
SoFi target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. SoFi Technologies' target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 17 | Hold |
Most SoFi analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand SoFi stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of SoFi Technologies, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationSoFi Technologies Target Price Projection
SoFi Technologies' current and average target prices are 12.87 and 12.10, respectively. The current price of SoFi Technologies is the price at which SoFi Technologies is currently trading. On the other hand, SoFi Technologies' target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
SoFi Technologies Market Quote on 24th of March 2025
Target Price
Analyst Consensus On SoFi Technologies Target Price
SoFi Technologies Analyst Ratings
SoFi Technologies' analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about SoFi Technologies stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of SoFi Technologies' financials, market performance, and future outlook by experienced professionals. SoFi Technologies' historical ratings below, therefore, can serve as a valuable tool for investors.SoFi Technologies' market capitalization trends
The company currently falls under 'Large-Cap' category with a current market capitalization of 14.11 B.Market Cap |
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SoFi Technologies' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.08 |
Determining SoFi Technologies' profitability involves analyzing its financial statements and using various financial metrics to determine if SoFi Technologies is a good buy. For example, gross profit margin measures SoFi Technologies' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of SoFi Technologies' profitability and make more informed investment decisions.
Evaluate SoFi Technologies' management efficiency
SoFi Technologies has return on total asset (ROA) of 0.015 % which means that it generated a profit of $0.015 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0826 %, meaning that it created $0.0826 on every $100 dollars invested by stockholders. SoFi Technologies' management efficiency ratios could be used to measure how well SoFi Technologies manages its routine affairs as well as how well it operates its assets and liabilities. As of now, SoFi Technologies' Return On Capital Employed is increasing as compared to previous years. The SoFi Technologies' current Return On Assets is estimated to increase to 0.01, while Return On Tangible Assets are projected to decrease to 0.01. As of now, SoFi Technologies' Non Current Assets Total are increasing as compared to previous years. The SoFi Technologies' current Non Currrent Assets Other is estimated to increase to about 32.9 B, while Total Current Assets are projected to decrease to under 2.1 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 6.21 | 6.52 | |
| Tangible Book Value Per Share | 4.28 | 4.49 | |
| Enterprise Value Over EBITDA | 882.89 | 927.03 | |
| Price Book Value Ratio | 2.48 | 2.60 | |
| Enterprise Value Multiple | 882.89 | 927.03 | |
| Price Fair Value | 2.48 | 2.60 | |
| Enterprise Value | 8 B | 7.1 B |
The strategic decisions made by SoFi Technologies management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Beta 1.804 |
Basic technical analysis of SoFi Stock
As of the 24th of March, SoFi Technologies has the risk adjusted performance of (0.05), and Variance of 17.76. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of SoFi Technologies, as well as the relationship between them.SoFi Technologies' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific SoFi Technologies insiders, such as employees or executives, is commonly permitted as long as it does not rely on SoFi Technologies' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases SoFi Technologies insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Chad Borton over six months ago Acquisition by Chad Borton of 80751 shares of SoFi Technologies subject to Rule 16b-3 | ||
Stafford Webb Lauren over a year ago Sale by Stafford Webb Lauren of 135832 shares of SoFi Technologies | ||
Aaron Webster over a year ago Sale by Aaron Webster of 215299 shares of SoFi Technologies | ||
Stafford Webb Lauren over a year ago Exercise or conversion by Stafford Webb Lauren of 93271 shares of SoFi Technologies subject to Rule 16b-3 | ||
Aaron Webster over a year ago Exercise or conversion by Aaron Webster of 154147 shares of SoFi Technologies subject to Rule 16b-3 | ||
Derek White over a year ago Exercise or conversion by Derek White of 69438 shares of SoFi Technologies subject to Rule 16b-3 |
SoFi Technologies' Outstanding Corporate Bonds
SoFi Technologies issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. SoFi Technologies uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most SoFi bonds can be classified according to their maturity, which is the date when SoFi Technologies has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand SoFi Technologies' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing SoFi Technologies' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | (0.1) | |||
| Mean Deviation | 3.38 | |||
| Coefficient Of Variation | (1,596) | |||
| Standard Deviation | 4.21 | |||
| Variance | 17.76 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.10) | |||
| Total Risk Alpha | 0.046 | |||
| Treynor Ratio | (0.11) | |||
| Maximum Drawdown | 19.68 | |||
| Value At Risk | (8.25) | |||
| Potential Upside | 6.53 | |||
| Skewness | (0.33) | |||
| Kurtosis | 0.0154 |
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | (0.1) | |||
| Mean Deviation | 3.38 | |||
| Coefficient Of Variation | (1,596) | |||
| Standard Deviation | 4.21 | |||
| Variance | 17.76 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.10) | |||
| Total Risk Alpha | 0.046 | |||
| Treynor Ratio | (0.11) | |||
| Maximum Drawdown | 19.68 | |||
| Value At Risk | (8.25) | |||
| Potential Upside | 6.53 | |||
| Skewness | (0.33) | |||
| Kurtosis | 0.0154 |
Consider SoFi Technologies' intraday indicators
SoFi Technologies intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of SoFi Technologies stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
SoFi Technologies Corporate Filings
F4 | 21st of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 20th of March 2025 Other Reports | ViewVerify | |
10K | 24th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
8K | 27th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
SoFi Stock media impact
Far too much social signal, news, headlines, and media speculation about SoFi Technologies that are available to investors today. That information is available publicly through SoFi media outlets and privately through word of mouth or via SoFi internal channels. However, regardless of the origin, that massive amount of SoFi data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of SoFi Technologies news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of SoFi Technologies relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to SoFi Technologies' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive SoFi Technologies alpha.
SoFi Technologies Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards SoFi Technologies can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
SoFi Technologies Historical Investor Sentiment
Investor biases related to SoFi Technologies' public news can be used to forecast risks associated with an investment in SoFi. The trend in average sentiment can be used to explain how an investor holding SoFi can time the market purely based on public headlines and social activities around SoFi Technologies. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
SoFi Technologies' market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for SoFi Technologies and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average SoFi Technologies news discussions. The higher the estimate score, the more favorable the investor's outlook on SoFi Technologies.
SoFi Technologies Maximum Pain Price Across June 20th 2025 Option Contracts
SoFi Technologies' options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of SoFi Technologies close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of SoFi Technologies' options.
SoFi Technologies Corporate Management
| Chad Borton | Group EVP | Profile | |
| Katie Wells | Executive Member | Profile | |
| Anthony Noto | CEO Director | Profile | |
| Robert Lavet | General Secretary | Profile | |
| Stephen Simcock | General Counsel | Profile | |
| Diane Tucker | Senior Operations | Profile | |
| Lauren Webb | Chief Officer | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SoFi Technologies. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. For more detail on how to invest in SoFi Stock please use our How to Invest in SoFi Technologies guide.You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SoFi Technologies. If investors know SoFi will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SoFi Technologies listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 7.732 | Earnings Share 0.39 | Revenue Per Share | Quarterly Revenue Growth 0.205 | Return On Assets |
The market value of SoFi Technologies is measured differently than its book value, which is the value of SoFi that is recorded on the company's balance sheet. Investors also form their own opinion of SoFi Technologies' value that differs from its market value or its book value, called intrinsic value, which is SoFi Technologies' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SoFi Technologies' market value can be influenced by many factors that don't directly affect SoFi Technologies' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between SoFi Technologies' value and its price, as these two are different measures arrived at by various means. Investors typically determine if SoFi Technologies is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SoFi Technologies' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.