QualityDipStocks / Finance · Consumer finance
SoFi Technologies SOFI
Outside our quality screen, so we don’t track its dips. It’s 48% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- −48%
- Risk vs market
- Highbeta 2.65
2 bullish · 5 bearish See why
Key levels
Every level vs today’s $16.76
- 52-wk lowlowest close, 1 year$14.22−15.2%
- PriceFri Oct 30 close$16.76you are here
- 52-wk highhighest close, 1 year$32.21+92.2%
Fair value estimate
Estimate unreliable for SOFI: earnings swing too much for a book-value model (return on equity ranged from -12% to 8% across FY2021–2025 and the latest 12 months). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much SOFI moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings much more than the market, and its own price swings are 4.4× the S&P 500’s.
- Beta vs S&P 500
- 2.65
- Volatility
- 57% vs 13% SPY
- Correlation SPY
- 0.60
- Correlation QQQ
- 0.55
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 2 of 5
GrowthSales grew 41% to $4.3B over the last 12 months vs the 12 months before (SEC filings).
GrowthSales compounded 32% a year from FY2022 to FY2025.
Top bearish points 5 of 5
Cash returnsShare count up 14.3% in a year: existing holders are being diluted.
ValuationP/E of 35.7× vs a 13.5× median for the 151 Finance companies we cover.
ProfitabilityReturn on equity is only 7% over the last 12 months.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%.
RiskSwings hard: beta 2.65 vs the S&P 500 and 57% yearly volatility (SPY 13%).
Who’s talking about it
Notable investors, executives, analysts and public figures on SoFi Technologies in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Consumer finance
All fundamentals
P/E 35.7 · ROE 7% · Sales +41%
Valuation
- P/E
- 35.7×Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 5.27×
- Price / book
- 2.05×
- Market cap
- $22.7Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $4.3Bnet interest income + noninterest income
- Sales growth, 12 months
- +40.8%vs the 12 months before
- Sales growth, 3 yrs
- +31.9%/yrfrom FY2022
- Diluted EPS, 12 months
- $0.49
- EPS growth, last FY
- 0.0%
- Net income, 12 months
- $636M
- Net income growth
- +13%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 14.8%
- FCF margin
- n/an/m: revenue near zero
- Return on equity
- 7%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $3.1B
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- −$8.8B
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +14.3%diluted shares vs a year ago
- Stock-based comp
- $284M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From SoFi Technologies’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Momentum & 52-week range
RSI 57 · 5 days +14.7%
The business
FCF $-3.0B · Sales +42%
- Free cash flow, 12 months−$3.0B
- Free-cash-flow yield−13.3%
- Return on equity8%
- Sales growth (latest quarter vs year-ago quarter)+42%
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
SOFI is outside our quality screen
One text when a published rule fires on one of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.