SOFI
Financial Services · Credit Services
Performance
SOFI (SOFI) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
SOFI (SOFI) operates in the Credit Services space within the Financial Services sector. With a market cap of $22.7B, it qualifies as a mid-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Forward P/E (21.7×) is lower than trailing P/E (39.4×) — analysts expect earnings to improve
- Revenue grew 43% year-over-year — exceptional top-line expansion
- Earnings grew 101% YoY — bottom-line is expanding fast
- Healthy profit margin of 14.8%
- Price is near its 52-week low — potential entry point with asymmetric upside
- P/E of 39.4× is above average — valuation requires continued strong growth to justify
- High debt-to-equity of 17.72× increases financial risk, especially with elevated interest rates
- No dividend history — total return depends entirely on price appreciation
- High beta of 2.15 — this stock is significantly more volatile than the broader market
Verdict
Buy / Hold
More positives than negatives. Fundamentals support holding while monitoring key risks.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
This stock does not pay dividends.
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 28, 2026
42
days
EPS (TTM)
$0.45
P/E (TTM)
39.4
Fwd P/E
21.7
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $17.73
Graham Number
√(22.5 × EPS × Book Value)
$9.24
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
N/A
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
5/10
63% score
Pays dividends
No dividend history found
Dividend consistency (5Y+)
Uninterrupted dividend payments for at least 5 years
ROE above 10%
6.6%Return on equity — measures how efficiently capital is used
Positive profit margin
14.8%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+42.5%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+101.2%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
17.72×Low financial leverage reduces risk of distress
Current ratio above 1
1.12×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$1.2B/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Related Assets
Financial Services
About SOFI
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It 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; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. 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.
Sector
Financial Services
Industry
Credit Services
Location
San Francisco, United States
Employees
6,100