Stock Scorecard
Stock Summary for SoFi Technologies Inc (SOFI) - $27.23 as of 10/14/2025 9:39:22 AM EST
Total Score
8 out of 30
Safety Score
49 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for SOFI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SOFI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SOFI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SOFI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SOFI (49 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 2 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SOFI
Financial Details for SOFI
Company Overview |
|
|---|---|
| Ticker | SOFI |
| Company Name | SoFi Technologies Inc |
| Country | USA |
| Description | SoFi Technologies, Inc. is a leading digital financial services company headquartered in San Francisco, California, specializing in a broad array of offerings including personal loans, student and home refinancing, investment management, and insurance products. With a mission to help individuals achieve financial independence, SoFi leverages innovative technology to streamline the user experience and enhance accessibility to financial services. The company has cultivated a robust platform that not only caters to borrowing and investing needs but also includes unique social and community features, positioning it as a holistic financial partner for its members. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/28/2025 |
Stock Price History |
|
| Last Day Price | 27.23 |
| Price 4 Years Ago | 15.81 |
| Last Day Price Updated | 10/14/2025 9:39:22 AM EST |
| Last Day Volume | 62,234,671 |
| Average Daily Volume | 68,326,988 |
| 52-Week High | 30.30 |
| 52-Week Low | 8.60 |
| Last Price to 52 Week Low | 216.63% |
Valuation Measures |
|
| Trailing PE | 54.28 |
| Industry PE | 30.39 |
| Sector PE | 23.98 |
| 5-Year Average PE | 31.29 |
| Free Cash Flow Ratio | 15.38 |
| Industry Free Cash Flow Ratio | 14.90 |
| Sector Free Cash Flow Ratio | 42.77 |
| Current Ratio Most Recent Quarter | 0.15 |
| Total Cash Per Share | 1.77 |
| Book Value Per Share Most Recent Quarter | 6.16 |
| Price to Book Ratio | 4.53 |
| Industry Price to Book Ratio | 3.82 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 10.73 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.95 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.91 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 1,197,450,000 |
| Market Capitalization | 32,606,563,500 |
| Institutional Ownership | 53.82% |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 1,005.00% |
| Annual Earnings Growth | 265.81% |
| Reported EPS 12 Trailing Months | 0.50 |
| Reported EPS Past Year | 0.15 |
| Reported EPS Prior Year | 0.13 |
| Net Income Twelve Trailing Months | 561,597,000 |
| Net Income Past Year | 498,665,000 |
| Net Income Prior Year | -300,742,000 |
| Quarterly Revenue Growth YOY | 43.90% |
| 5-Year Revenue Growth | 42.62% |
| Operating Margin Twelve Trailing Months | 13.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 2,122,502,000 |
| Total Cash Past Year | 2,538,293,000 |
| Total Cash Prior Year | 3,085,020,000 |
| Net Cash Position Most Recent Quarter | -1,334,688,000 |
| Net Cash Position Past Year | -69,008,000 |
| Long Term Debt Past Year | 2,607,301,000 |
| Long Term Debt Prior Year | 4,754,812,000 |
| Total Debt Most Recent Quarter | 3,457,190,000 |
| Equity to Debt Ratio Past Year | 0.71 |
| Equity to Debt Ratio Most Recent Quarter | 0.66 |
| Total Stockholder Equity Past Year | 6,525,134,000 |
| Total Stockholder Equity Prior Year | 5,554,986,000 |
| Total Stockholder Equity Most Recent Quarter | 6,860,580,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -3,029,362,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -2.53 |
| Free Cash Flow Past Year | -1,283,424,000 |
| Free Cash Flow Prior Year | -7,348,331,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.53 |
| MACD Signal | 0.72 |
| 20-Day Bollinger Lower Band | 12.05 |
| 20-Day Bollinger Middle Band | 21.89 |
| 20-Day Bollinger Upper Band | 31.73 |
| Beta | 1.93 |
| RSI | 56.72 |
| 50-Day SMA | 16.81 |
| 150-Day SMA | 10.45 |
| 200-Day SMA | 9.87 |
System |
|
| Modified | 10/14/2025 9:30:53 AM EST |