Stock Scorecard
Stock Summary for SoFi Technologies Inc (SOFI) - $15.98 as of 11/6/2026 8:15:08 AM EST
Total Score
10 out of 30
Safety Score
53 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 (53 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 3 |
| Stock Price Trend (Max of 10) | 10 |
| 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) | 4 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 6 |
| 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. provides digital financial services. The company is headquartered in San Francisco, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 9/30/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 15.98 |
| Price 4 Years Ago | 4.61 |
| Last Day Price Updated | 11/6/2026 8:15:08 AM EST |
| Last Day Volume | 43,990,478 |
| Average Daily Volume | 53,499,629 |
| 52-Week High | 32.73 |
| 52-Week Low | 13.86 |
| Last Price to 52 Week Low | 15.30% |
Valuation Measures |
|
| Trailing PE | 29.47 |
| Industry PE | 14.68 |
| Sector PE | 17.53 |
| 5-Year Average PE | 17.57 |
| Free Cash Flow Ratio | 7.36 |
| Industry Free Cash Flow Ratio | 16.10 |
| Sector Free Cash Flow Ratio | 40.77 |
| Current Ratio Most Recent Quarter | 0.83 |
| Total Cash Per Share | 2.17 |
| Book Value Per Share Most Recent Quarter | 8.71 |
| Price to Book Ratio | 1.84 |
| Industry Price to Book Ratio | 2.64 |
| Sector Price to Book Ratio | 3.09 |
| Price to Sales Ratio Twelve Trailing Months | 4.49 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.46 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.09 |
| Analyst Buy Ratings | 7 |
| Analyst Strong Buy Ratings | 4 |
Share Statistics |
|
| Total Shares Outstanding | 1,296,617,000 |
| Market Capitalization | 20,719,939,660 |
| Institutional Ownership | 51.49% |
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 | 64.00% |
| Annual Earnings Growth | -3.48% |
| Reported EPS 12 Trailing Months | 0.55 |
| Reported EPS Past Year | 0.42 |
| Reported EPS Prior Year | 0.37 |
| Net Income Twelve Trailing Months | 737,861,000 |
| Net Income Past Year | 481,320,000 |
| Net Income Prior Year | 498,665,000 |
| Quarterly Revenue Growth YOY | 43.90% |
| 5-Year Revenue Growth | 44.73% |
| Operating Margin Twelve Trailing Months | 23.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 2,809,582,000 |
| Total Cash Past Year | 4,929,452,000 |
| Total Cash Prior Year | 2,538,293,000 |
| Net Cash Position Most Recent Quarter | -5,472,000 |
| Net Cash Position Past Year | 3,599,770,000 |
| Long Term Debt Past Year | 1,329,682,000 |
| Long Term Debt Prior Year | 2,607,301,000 |
| Total Debt Most Recent Quarter | 2,815,054,000 |
| Equity to Debt Ratio Past Year | 0.89 |
| Equity to Debt Ratio Most Recent Quarter | 0.80 |
| Total Stockholder Equity Past Year | 10,489,495,000 |
| Total Stockholder Equity Prior Year | 6,525,134,000 |
| Total Stockholder Equity Most Recent Quarter | 11,295,137,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -4,984,591,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -3.84 |
| Free Cash Flow Past Year | -3,984,902,000 |
| Free Cash Flow Prior Year | -1,283,424,000 |
Options |
|
| Put/Call Ratio | 0.18 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.19 |
| MACD Signal | -0.49 |
| 20-Day Bollinger Lower Band | 14.69 |
| 20-Day Bollinger Middle Band | 17.20 |
| 20-Day Bollinger Upper Band | 19.71 |
| Beta | 2.24 |
| RSI | 59.66 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 11/7/2026 7:09:13 AM EST |