SoFi Technologies, Inc. (SOFI)

US — Financial Services Sector
Peers: UPST  AFRM  LCID  PLTR  RBLX 

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Key Metrics & Ratings

  • symbol SOFI
  • Rev/Share 2.5268
  • Book/Share 6.0825
  • PB 2.1866
  • Debt/Equity 0.4701
  • CurrentRatio 0.0
  • ROIC 0.0181

 

  • MktCap 14701288000.0
  • FreeCF/Share -1.84
  • PFCF -7.2768
  • PE 30.3138
  • Debt/Assets 0.0832
  • DivYield 0
  • ROE 0.0764

 

  • Rating C+
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 1
  • D/E Score 2

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation SOFI Truist -- Hold -- $14 June 2, 2025
Initiation SOFI Citizens JMP -- Mkt Outperform -- $17 April 25, 2025
Initiation SOFI William Blair -- Outperform -- -- Jan. 15, 2025
Downgrade SOFI Keefe Bruyette Market Perform Underperform $7 $8 Jan. 2, 2025
Downgrade SOFI BofA Securities Neutral Underperform -- $12 Dec. 9, 2024

News

SoFi Technologies Shows Great Potential Despite Recession Fears
SOFI
Published: March 24, 2025 by: Seeking Alpha
Sentiment: Neutral

SoFi Technologies stock has seen a correction of 30% since the recent earnings in which it was able to beat the estimates. The correction seems to be overdone as the fundamental numbers of the company are quite strong with 34% YoY growth in members and 26% YoY growth in adjusted revenue. The company is moving away from lending products, which can be seen by the higher mix of financial services products.

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image for news SoFi Technologies Shows Great Potential Despite Recession Fears
SoFi Stock Drops 23% in a Month: Buy or Wait for Further Correction?
SOFI
Published: March 19, 2025 by: Zacks Investment Research
Sentiment: Negative

Given the recent decline in SOFI shares, we evaluate the stock's current position to determine how to play it now.

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image for news SoFi Stock Drops 23% in a Month: Buy or Wait for Further Correction?
Stock Market Correction: 2 Stocks Down 26% and 20% in a Month That You Can Buy Right Now
PINS, SOFI
Published: March 14, 2025 by: The Motley Fool
Sentiment: Negative

The S&P 500 recently dipped into correction territory, falling more than 10% from its recent high, and the tech-heavy Nasdaq-100 index has performed even worse. While it's never fun to watch the value of your stock portfolio go down, it's important to take a step back.

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image for news Stock Market Correction: 2 Stocks Down 26% and 20% in a Month That You Can Buy Right Now
SoFi Lands $5 Billion to Expand Loan Platform Business
SOFI
Published: March 13, 2025 by: PYMNTS
Sentiment: Positive

SoFi has finalized an agreement with Blue Owl Capital worth at least $5 billion. The deal with the asset manager, announced Thursday (March 13), will allow SoFi to expand its loan platform business, which refers pre-qualified borrowers to loan origination partners and originates loans on behalf of third parties.

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image for news SoFi Lands $5 Billion to Expand Loan Platform Business
Is Trending Stock SoFi Technologies, Inc. (SOFI) a Buy Now?
SOFI
Published: March 13, 2025 by: Zacks Investment Research
Sentiment: Positive

Recently, Zacks.com users have been paying close attention to SoFi Technologies (SOFI). This makes it worthwhile to examine what the stock has in store.

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image for news Is Trending Stock SoFi Technologies, Inc. (SOFI) a Buy Now?
SoFi seals up to $5 billion loan agreement as fintech lending gains ground
SOFI
Published: March 13, 2025 by: Reuters
Sentiment: Positive

SoFi said on Thursday it has finalized an agreement of up to $5 billion with funds managed by asset manager Blue Owl Capital to provide personal loans on its finance app, highlighting the increasing shift of consumers from traditional banks to fintech lenders.

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image for news SoFi seals up to $5 billion loan agreement as fintech lending gains ground
SoFi Technologies: The Cross-Selling Snowball Rolls Forward
SOFI
Published: March 13, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies' disruptive financial services approach and strong growth across all vital metrics make it a confident "Strong Buy". SoFi's "land-and-expand" strategy and expanding service ecosystem, including new credit cards and crypto offerings, promise continued aggressive growth and profitability. Despite market uncertainties and competition, SoFi's attractive valuation and economies of scale potential make the recent pullback a compelling buying opportunity.

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image for news SoFi Technologies: The Cross-Selling Snowball Rolls Forward
Cathie Wood Sells Almost All of Her SoFi Stock. Is This a Red Flag?
SOFI
Published: March 12, 2025 by: The Motley Fool
Sentiment: Negative

In this video, I will talk about SoFi Technologies (SOFI 3.20%) and Cathie Wood's Ark Invest's buying and selling activity this week. Watch the short video to learn more, consider subscribing, and click the special offer link below.

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image for news Cathie Wood Sells Almost All of Her SoFi Stock. Is This a Red Flag?
SoFi stock: why investors should buy despite economic uncertainty from tariffs
SOFI
Published: March 11, 2025 by: Invezz
Sentiment: Negative

Investors have been bailing on SoFi Technologies Inc (NASDAQ: SOFI) this year amidst concerns the Trump tariffs could prove to be a meaningful headwind for the fintech industry.

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image for news SoFi stock: why investors should buy despite economic uncertainty from tariffs
Here's Why Bank of America, SoFi, and Goldman Sachs Are All Plunging
BAC, GS, SOFI
Published: March 04, 2025 by: The Motley Fool
Sentiment: Negative

Not surprisingly, the stock market was having a rather weak day on Tuesday, after President Trump's tariffs went into effect on Canada, Mexico, and China. As of 12:15 p.m.

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image for news Here's Why Bank of America, SoFi, and Goldman Sachs Are All Plunging
SoFi: Still Bullish, But I'm Not Thrilled With Certain Aspects (Rating Downgrade)
SOFI
Published: March 04, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's impressive growth in member count, net revenue, and adjusted EBITDA highlights its strong performance and potential for future growth despite current market consolidation. The key differentiator for SOFI is its technological platform, which needs to succeed in Banking as a Service to be valued as a tech company. The recent deal with Blue Owl Capital Funds is a significant step, potentially reducing SOFI's reliance on holding loans and expanding fee-based revenue.

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image for news SoFi: Still Bullish, But I'm Not Thrilled With Certain Aspects (Rating Downgrade)
SoFi Announces $697 Million Loan Secularization
SOFI
Published: March 03, 2025 by: PYMNTS
Sentiment: Positive

SoFi says it has closed a $697.6 million secularization of loan platform business volume. This transaction, the company announced Monday (March 3), was a “co-contributor securitization” with collateral made up chiefly of loans previously placed with loan platform business partners.

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image for news SoFi Announces $697 Million Loan Secularization
SoFi's Next Leg Higher Is Coming
SOFI
Published: February 28, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies surpassed 10M members in CY 2024, adding 785K in Q4, with total products exceeding 14.7M (+32% YoY). Hit $970M (+74% YoY), now 47% of total revenue, reducing reliance on lending and improving margin stability. Originated $23B in loans (+33% YoY), with LPB generating $2.1B, lowering balance sheet risk while maintaining revenue streams.

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image for news SoFi's Next Leg Higher Is Coming
SoFi Stock Declines 10% in 3 Months: Buy or Wait for a Cheaper Deal?
SOFI
Published: February 27, 2025 by: Zacks Investment Research
Sentiment: Negative

Given the recent decline in SOFI shares, we evaluate the stock's current position to determine how to play it now.

Read More
image for news SoFi Stock Declines 10% in 3 Months: Buy or Wait for a Cheaper Deal?
Why SoFi Is Soaring: Is It a Buying Opportunity?
SOFI
Published: February 25, 2025 by: The Motley Fool
Sentiment: Positive

SoFi (SOFI -2.11%) is up by about 130% since mid-2024, and the company's growth and profitability progress certainly justify the move. But in this video, I explain why some of the recent developments could result in much more long-term upside for investors.

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image for news Why SoFi Is Soaring: Is It a Buying Opportunity?
Opinion: This Is Cathie Wood's Best Stock For Under $20
SOFI
Published: February 25, 2025 by: The Motley Fool
Sentiment: Positive

One of the hallmarks of Ark Investment Management CEO Cathie Wood's investment style is her ability to identify emerging opportunities that seek to disrupt legacy incumbents -- specifically, in industries such as technology.

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image for news Opinion: This Is Cathie Wood's Best Stock For Under $20
SoFi Technologies: CEO's Upgraded Guidance Supercharges My Confidence
SOFI
Published: February 24, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's share price fell 18% post-4Q24 results despite double beat in revenue and EPS, due to conservative 2025 EPS guidance and skepticism about 2026 projections. CEO Anthony Noto has subtly raised 2026 guidance during the BofA conference with >25% revenue CAGR in 2023-26 (from 20-25%) and 20% NPM and 20-30% ROE in the long term. I estimate SoFi to deliver $0.76 EPS in 2026 given the upgraded guidance, very close to the high bar of the EPS guidance of $0.8.

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image for news SoFi Technologies: CEO's Upgraded Guidance Supercharges My Confidence
SYF or SOFI: Which Is the Better Value Stock Right Now?
SOFI, SYF
Published: February 20, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Synchrony (SYF) and SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for those looking for undervalued stocks?

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image for news SYF or SOFI: Which Is the Better Value Stock Right Now?
The market can grow without tech, if fundamentals stay intact, says SoFi's Liz Young
SOFI
Published: February 18, 2025 by: CNBC Television
Sentiment: Neutral

SoFi's Liz Young-Thomas and Merrill's Chris Hyzy, join 'Closing Bell' to discuss markets, the tech trade and navigating the market rotation.

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image for news The market can grow without tech, if fundamentals stay intact, says SoFi's Liz Young
Ready to Invest $10K—But is AppLovin or SOFI the Better Buy?
APP, SOFI
Published: February 14, 2025 by: 24/7 Wall Street
Sentiment: Neutral

For a lot of people, investing means passive income.

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image for news Ready to Invest $10K—But is AppLovin or SOFI the Better Buy?
Prediction: 2 Stocks That'll Be Worth More Than Bank of America 10-15 Years From Now
PYPL, SOFI
Published: February 14, 2025 by: The Motley Fool
Sentiment: Neutral

Bank of America is one of the largest banks in the United States and has a market capitalization of about $350 billion, as of early 2025. There are few other financial stocks that have achieved this level of valuation.

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image for news Prediction: 2 Stocks That'll Be Worth More Than Bank of America 10-15 Years From Now
SoFi Technologies, Inc. (SOFI) BofA Securities 2025 Financial Services Conference (Transcript)
SOFI
Published: February 11, 2025 by: Seeking Alpha
Sentiment: Neutral

SoFi Technologies, Inc. (NASDAQ:SOFI ) BofA Securities 2025 Financial Services Conference February 11, 2025 1:50 PM ET Company Participants Anthony Noto - Chief Executive Officer Conference Call Participants Mihir Bhatia - BofA Securities Mihir Bhatia Welcome to the SoFi Session. I'm Mehir Bhatia.

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image for news SoFi Technologies, Inc. (SOFI) BofA Securities 2025 Financial Services Conference (Transcript)
SoFi Technologies: Maintaining Strong Buy On Macro Tailwinds
SOFI
Published: February 10, 2025 by: Seeking Alpha
Sentiment: Positive

Delinquency rate growth is continuing to slow, creating a positive operating environment for SoFi. Refinancing demand exists, and SoFi is ready to capture the demand through its continued member growth and flywheel strategy. Despite about 100% stock price appreciation in recent months, I continue to believe that the company is reasonably valued.

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image for news SoFi Technologies: Maintaining Strong Buy On Macro Tailwinds

About SoFi Technologies, Inc. (SOFI)

  • IPO Date 2021-01-04
  • Website https://www.sofi.com
  • Industry Financial - Credit Services
  • CEO Mr. Anthony J. Noto
  • Employees 5000

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.