SoFi Technologies Inc.

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12.88
0.57 (4.63%)
At close: Apr 25, 2025, 3:59 PM
12.92
0.34%
After-hours: Apr 25, 2025, 05:58 PM EDT

SoFi Statistics

Share Statistics

SoFi has 1.1B shares outstanding. The number of shares has increased by 3.72% in one year.

Shares Outstanding 1.1B
Shares Change (YoY) 3.72%
Shares Change (QoQ) 1.05%
Owned by Institutions (%) 49.84%
Shares Floating 1.07B
Failed to Deliver (FTD) Shares 11
FTD / Avg. Volume < 0.01%

Short Selling Information

The latest short interest is 137.9M, so 12.58% of the outstanding shares have been sold short.

Short Interest 137.9M
Short % of Shares Out 12.58%
Short % of Float 13.24%
Short Ratio (days to cover) 2.9

Valuation Ratios

The PE ratio is 32.43 and the forward PE ratio is 23.64. SoFi's PEG ratio is -0.14.

PE Ratio 32.43
Forward PE 23.64
PS Ratio 4.29
Forward PS 3.2
PB Ratio 2.48
P/FCF Ratio -12.69
PEG Ratio -0.14
Financial Ratio History

Enterprise Valuation

SoFi has an Enterprise Value (EV) of 16.73B.

EV / Sales 4.44
EV / EBITDA 38.29
EV / EBIT -14.94
EV / FCF -13.13

Financial Position

The company has a current ratio of 18.36, with a Debt / Equity ratio of 0.47.

Current Ratio 18.36
Quick Ratio 18.36
Debt / Equity 0.47
Debt / EBITDA 7.08
Debt / FCF -2.43
Interest Coverage 0.21

Financial Efficiency

Return on Equity is 7.64% and Return on Invested Capital is 1.39%.

Return on Equity 7.64%
Return on Assets 1.38%
Return on Invested Capital 1.39%
Revenue Per Employee $753.24K
Profits Per Employee $99.73K
Employee Count 5,000
Asset Turnover 0.1
Inventory Turnover n/a

Taxes

Income Tax -265.32M
Effective Tax Rate -113.7%

Stock Price Statistics

The stock price has increased by 63.66% in the last 52 weeks. The beta is 1.87, so SoFi's price volatility has been higher than the market average.

Beta 1.87
52-Week Price Change 63.66%
50-Day Moving Average 12.52
200-Day Moving Average 11.61
Relative Strength Index (RSI) 58.9
Average Volume (20 Days) 51.27M

Income Statement

In the last 12 months, SoFi had revenue of 3.77B and earned 498.67M in profits. Earnings per share was 0.46.

Revenue 3.77B
Gross Profit 2.67B
Operating Income 233.34M
Net Income 498.67M
EBITDA 436.84M
EBIT 233.34M
Earnings Per Share (EPS) 0.46
Full Income Statement

Balance Sheet

The company has 2.54B in cash and 3.09B in debt, giving a net cash position of -555.01M.

Cash & Cash Equivalents 2.54B
Total Debt 3.09B
Net Cash -555.01M
Retained Earnings -1.31B
Total Assets 36.25B
Working Capital 2.54B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -1.12B and capital expenditures -154.26M, giving a free cash flow of -1.27B.

Operating Cash Flow -1.12B
Capital Expenditures -154.26M
Free Cash Flow -1.27B
FCF Per Share -1.21
Full Cash Flow Statement

Margins

Gross margin is 71.02%, with operating and profit margins of 6.2% and 13.24%.

Gross Margin 71.02%
Operating Margin 6.2%
Pretax Margin 6.2%
Profit Margin 13.24%
EBITDA Margin 11.6%
EBIT Margin 6.2%
FCF Margin -33.83%

Dividends & Yields

SOFI does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Payout Ratio n/a
Earnings Yield 3.08%
FCF Yield -7.88%
Dividend Details

Analyst Forecast

The average price target for SOFI is $13, which is 0.9% higher than the current price. The consensus rating is "Hold".

Price Target $13
Price Target Difference 0.9%
Analyst Consensus Hold
Analyst Count 16
Stock Forecasts

Scores

Altman Z-Score 0.39
Piotroski F-Score 4