SoFi Technologies, Inc. (SOFI) is a Financial - Credit Services company in the Financial Services sector, currently trading at $17.91. It has a SharesGrow Score of 63/100, indicating a above average investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of SOFI = $-2.12 (-111.9% from the current price, the stock appears overvalued). Analyst consensus target is SOFI = $30 (+67.9% upside).
Valuation: SOFI trades at a trailing Price-to-Earnings (P/E) of 41.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.2.
Financials: revenue is $4.8B, +49.2%/yr average growth. Net income is $481M, growing at +89.5%/yr. Net profit margin is 10.1% (healthy). Gross margin is 68.7% (-31.3 pp trend).
Balance sheet: total debt is $1.8B against $10.5B equity (Debt-to-Equity (D/E) ratio 0.17, conservative). Debt-to-assets is 3.6%. Total assets: $50.7B.
Analyst outlook: 8 / 25 analysts rate SOFI as buy (32%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 70/100 (Pass), Growth 100/100 (Pass), Past 50/100 (Partial), Health 50/100 (Partial), Moat 65/100 (Partial), Future 52/100 (Partial), Income 55/100 (Partial).
