SOFI

POSITIVELOW confidence

SoFi Technologies, Inc. | NasdaqGS

Current PriceUSD 18.22

Asset ClassStock

Market Cap$23.4B

AERINVEST Score70/100

Dividend YieldN/A

Live quote available with 100/100 data completeness.Not financial advice. Verify sources before allocating capital.

Stock analysisStock-specific model

Is this company profitable, reasonably valued, financially resilient, and supported by catalysts?

Next Best ActionMonitor patience

Constructive when valuation, ROE/FCF, balance sheet, dividend safety, and catalysts point in the same direction.

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About SoFi Technologies, Inc.

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

MoatReturn on equity proxy from FMP is 0.05, which informs but does not prove moat durability.

CustomersCustomer and demand patterns should be interpreted in the context of Financial - Credit Services.

Operating leverageOperating leverage requires more complete revenue, margin, and cash-flow history.

Stock analysis

Decision questionIs this company profitable, reasonably valued, financially resilient, and supported by catalysts?

Add signal contextConstructive when valuation, ROE/FCF, balance sheet, dividend safety, and catalysts point in the same direction.

Caution signalAvoid when multiple expansion is the only thesis, debt is heavy, FCF is weak, or data quality is too incomplete.

P/EN/A

Valuation sanity check. Lower is not always better, but extreme multiples need stronger growth evidence.

ROE4.6%

Profitability and potential moat proxy for operating businesses.

FCF/shareN/A

Positive cash generation matters more than accounting story.

Debt/EquityN/A

Balance-sheet pressure can break even a good growth story.

Dividend yieldN/A

Useful for income investors, but must be paired with payout and cash-flow safety.

AI Consensus

70POSITIVE

SOFI is rated POSITIVE with low confidence using a stock-specific lens: Is this company profitable, reasonably valued, financially resilient, and supported by catalysts?

Worst / Basic / Best | 12M Targets

Worst Case20%

USD 16.00-12% vs current

Downside case assumes weaker momentum or multiple compression.

Basic Scenario55%

USD 20.00+10% vs current

Base case uses current price, market data quality, and risk-adjusted momentum.

Best Case25%

USD 24.00+32% vs current

Upside case requires cleaner catalysts and improving sentiment.

Revenue Streams

Sector exposure: Financial Services
Industry exposure: Financial - Credit Services
Revenue stream detail requires filings or segment data.