Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
SOFI Financial Services
SoFi Technologies, Inc.
$16.77+1.02%
Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Market cap
- 21.7B USD
- Full-time employees
- 6,100
Growth
Is it growing?83/100
Strong▼ 1 since Oct 27 close
3/3 inputs reported · High confidence
Since last quarter: ▲ Stronger
- 12-month revenue up 9.2%
Why it changed since the Oct 27, 2026 close: Score 84 → 83
- Peer companies moved-1
Why
Compare with peers Stronger than most peers on:
- ▲ 3-yr revenue
- ▲ Revenue growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth5.0%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.18Sector median: 0.0999 · MAD: 0.27733-year revenue growth32.5%
SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score 2.62Sector median: 0.0999 · MAD: 0.0858Revenue growth40.8%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 2.26Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?30/100
Weak
2/3 inputs reported · Partial data
Since last quarter: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ ROA
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating marginUnavailable
Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.2353 · MAD: 0.1462Return on assets1.0%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.65Sector median: 0.0256 · MAD: 0.0233Return on invested capital5.1%
Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score -0.22Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity5.7%
SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsHigher
Higher relative risk
3/3 inputs reported · High confidence
Since last quarter: Changed: worth a look
- Debt up 82%
Why it changed since the Oct 27, 2026 close: Safety percentile 22 → 21
- Peer companies moved-1
Why
Compare with peers Weaker than most peers on:
- ▼ Beta
- ▼ Current ratio
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta2.21
Yahoo Finance · 5-year monthly beta vs the marketOutlier capped at sector 5th/95th percentile33% base weight · Z-score -2.99Sector median: 0.7010 · MAD: 0.3115Current ratio1.10×
Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score -0.74Sector median: 2.0250 · MAD: 1.2470Debt / equity0.30×
SEC filings · latest balance sheetReported value33% base weight · Z-score 0.51Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about SoFi Technologies
- Is SoFi Technologies getting weaker?
- Its latest SEC filing (Aug 6, 2026) showed no major changes: debt up 82%. Its overall score is unchanged at 45/100 since Oct 28, 2026.
- How is SoFi Technologies valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is SoFi Technologies growing?
- Yes, faster than most of its peers. Growth scores 83/100 against 432 financial services peers. 3-year revenue growth 32.5% vs a peer median of 10.0% (stronger than 88% of peers).3-year revenue growth 32.5% vs peers 10.0% (stronger than 88% of peers).
- How profitable is SoFi Technologies?
- Less profitable than most of its peers. Profitability scores 30/100 against 432 financial services peers. Return on assets 1.0% vs a peer median of 2.6% (weaker than 71% of peers).Return on assets 1.0% vs peers 2.6% (weaker than 71% of peers).
- How risky is SoFi Technologies?
- Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity 0.30× vs a peer median of 0.57× (stronger than 65% of peers).Debt / equity 0.30× vs peers 0.57× (stronger than 65% of peers). Beta 2.21 vs a peer median of 0.70 (weaker than 100% of peers).Beta 2.21 vs peers 0.70 (weaker than 100% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026No major changes
- Debt up 82%
| Previous quarter | Latest quarter | Change | |
|---|---|---|---|
| Revenue (12 months) | 3.9B USD | 4.3B USD | +9.2% |
| Net income (12 months) | 576.9M USD | 636.3M USD | +10.3% |
| Free cash flow (12 months) | −6.3B USD | −8.8B USD | +38.8% |
| Debt | 1.8B USD | 3.3B USD | +82.0% |
| Cash | 3.4B USD | 3.1B USD | −8.1% |
| Shares outstanding | 1.28B | 1.29B | +0.7% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.
Industry valuation context
Sector: Financial Services · 98 companiesValuations in Financial Services are above their usual range since 2016.
- 67% of months since 2016 were valued lower than now.
- 32% of companies are in the most expensive fifth of their own price-to-sales history.
- Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
- Median price-to-sales is +30% vs the whole market, against a usual +47%.
Shown for Financial Services: too few Credit Services companies have a long enough history of their own.
Financials
Fiscal years from SEC annual filings · change vs the prior year| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Net margin | -49.1% | -20.4% | -14.2% | 18.6% | 13.3% | ▼ 5.3 pts |
| Return on assets (ROA) | -5.3% | -1.7% | -1.0% | 1.4% | 1.0% | ▼ 0.4 pts |
| Return on equity (ROE) | -11.1% | -6.2% | -5.7% | 7.6% | 4.6% | ▼ 3.1 pts |
| Debt to equity | 0.90× | 1.05× | 1.00× | 0.47× | 0.17× | ▼ 63% |
SOFI price history
Price history is added with the daily price update and will appear after the next one.