SoFi Technologies, Inc. SOFI NASDAQ

SoFi Technologies, Inc. (SOFI) has shown exceptional revenue growth over the past 3 years, expanding from $1.5B to $4.8B (average +49.2%/yr). Net income reached $481M, reflecting exceptional earnings expansion at +89.5%/yr on average. The net profit margin is 10.1%, which is moderate. the company was profitable in 2 out of the last 4 years tracked. The gross margin is 68.7% (high), with a -31.3pp trend over the period. With a $23B market cap and MOAT composite score of 65/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (100/100, Pass) — proving strong growth momentum
• PAST (50/100, Fail) — the company has frequently reported losses. Looking at the full 9-year history, the company was profitable in 3 of 9 years — a mixed long-term record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (65/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 63/100 with 2/7 criteria passed.