SOFI$32.21
$32.15
Chart
Performance
Key Stats
AI SOFI Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuySoFi Technologies demonstrates strong long-term growth potential in the fintech sector, underpinned by solid fundamental performance and favorable thematic tailwinds. While short-term technicals present some caution, the overall outlook remains positive for growth-oriented investors.
Thematic
SoFi is well-positioned to benefit from significant secular trends in digital transformation of financial services, personal finance management, and the increasing adoption of embedded finance and BaaS solutions.
Fundamental
SoFi shows improving profitability and revenue growth, driven by its diversified business segments. The company's balance sheet is strengthening, though managing debt and cash flow remains a key focus.
Technical
The stock has shown significant upward momentum, reflected in its strong short-term and long-term performance. However, current indicators suggest a potential for consolidation or a short-term pullback.
| Factor | Score |
|---|---|
| Digital Transformation of Financial Services | 92 |
| Fintech Innovation & Disruption | 88 |
| Personal Finance Management | 85 |
| Embedded Finance & Banking-as-a-Service (BaaS) | 80 |
| Regulatory Landscape | 70 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 75 |
| Growth | 85 |
| Balance Sheet Health | 70 |
| Cash Flow | 65 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 60 |
| Volume Confirmation | 75 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Improving Earnings Trend
Quarterly EPS has shown a positive trend, with reported EPS consistently exceeding estimates in recent quarters (e.g., Q2 2025: 0.06 vs. estimate 0.03, surprise 71.77%).
Strong Short-to-Long Term Performance
Significant positive returns across multiple periods: 1M (28.26%), YTD (52.23%), and 1Y (190.28%) indicate strong momentum and investor interest.
Bearish Points (7)
High P/E Ratio
The trailing P/E ratio is 50.02, which is high and suggests that investors are paying a premium for its earnings, potentially indicating overvaluation.
Negative Revenue Growth in Latest Quarter
While annual revenue for 2024 was positive ($2.61B), the quarterly revenue figures show a decline from Q4 2024 ($734M) to Q1 2025 ($771M from $585M in Q1 2024), with net margin fluctuating.
Calendar
July 2025
29
Next Earnings Date
H: $0.07
A: $0.06
L: $0.05
H: 821.00M
A: 804.36M
L: 790.00M
Profile
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; and SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Seasonals
Price Target
16.95 USD
The 39 analysts offering 1 year price forecasts for SOFI have a max estimate of 27.00 and a min estimate of 6.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor in AI-driven personal loan origination and unsecured lending, leveraging technology to assess creditworthiness similar to SoFi's tech-forward approach.
Weight: 90
Formerly a peer-to-peer lender, now a fully regulated digital bank offering personal loans, auto refinance, and banking services, making it a direct competitor to SoFi's core offerings.
Weight: 88
A leading online-only bank providing a wide array of financial products, including banking (checking/savings), auto finance, mortgages, and investing, directly competing across multiple SoFi segments.
Weight: 85
A popular commission-free brokerage that has expanded into cryptocurrency trading and basic banking features (e.g., spending accounts), directly competing with SoFi's investment and banking products.