Company Analysis
SoFi Technologies Inc
SOFI • Financial Services
AI Summary
SoFi Technologies is a diversified digital financial platform with exposure across lending, investment, and banking services, supported by a moderate earnings power score of 6.6/10. Its stock trades at just 36% of its estimated fair value, indicating significant undervaluation relative to its potential. This presents a balanced opportunity for investors seeking exposure to a multifaceted fintech company trading at a notable discount.
GoodStock Company Score
Score Breakdown
GoodStock Estimated Valuation
Valuation Range vs. Current Price
GoodStock Price Momentum
Momentum Indicators
SoFi Technologies Inc
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GoodStockClassification
| Theme | Quality | Momentum | Value |
|---|---|---|---|
| Best in Class | + | + | + |
| Quality at a Price | + | + | - |
| Contrarian | + | - | + |
| Yesterday's News | + | - | - |
| Restructuring | - | + | + |
| Momentum Trap | - | + | - |
| Value Trap | - | - | + |
| Worst in Class | - | - | - |
Initially appearing undervalued, value trap investments fail to realize their potential. Investors can be lured in by low valuations, only to discover fundamental issues hindering growth. Distinguishing between a true value opportunity and a potential trap requires thorough analysis of the underlying business.
Earnings History
Last missActual EPS compared with analyst estimates.
| Fiscal Quarter | Actual | Estimate | Surprise |
|---|---|---|---|
|
Q1 2026
Mar 31, 2026
|
$0.12 | $0.12 | -1.2% |
|
Q4 2025
Dec 31, 2025
|
$0.13 | $0.12 | +9.7% |
|
Q3 2025
Sep 30, 2025
|
$0.11 | $0.08 | +32.5% |
|
Q2 2025
Jun 30, 2025
|
$0.08 | $0.06 | +29.9% |
|
Q1 2025
Mar 31, 2025
|
$0.06 | $0.04 | +68.5% |
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Financial Ratios
AI Financial Ratios Summary
The company's Earnings per Share (EPS) of 0.44, combined with a relatively high Price/Earnings (P/E) ratio of 34.73, suggests that investors have high expectations for future growth, though this valuation may be somewhat stretched given the low Return on Equity (ROE) of 6.25%. The low Debt-to-Equity ratio (0.17) indicates conservative leverage, but the interest coverage ratio of zero and a quick ratio of zero raise concerns about liquidity and the company's ability to meet short-term obligations. These interrelated factors imply that while the company is valued ambitiously, its weak profitability and liquidity metrics could hinder its ability to realize that potential, potentially making the stock riskier unless operational improvements are made.
- $0.44
- 34.73
- 6.25%
- 0.17%
- 0.0
- $470 B
- 0.0%
- $20 B
Operational Ratios
AI Operational Ratios Summary
The company's negative operating margin of -19.92% and net profit margin of -19.79% indicate that it is currently experiencing operational losses, reflecting poor efficiency in converting revenue into profit, which may hinder short-term profitability. However, the modest return on assets of 1.21% suggests limited utilization of assets to generate earnings, while the substantial 59.21% CAGR in capital expenditures implies significant investment in growth initiatives. Overall, these ratios suggest that while the company is investing heavily for future expansion, its current operational performance signals challenges in operational efficiency that could impact short-term profitability and long-term growth potential.
- -19.92%
- 0.0%
- -19.79%
- 1.21%
- $0.0
- 0.0%
- 0.0%
- 59.21%
Valuation Ratios
AI Valuation Ratios Summary
The company's high PEG ratio of 5.87 suggests that its valuation may be overstated relative to its earnings growth prospects, indicating potential overvaluation. Additionally, the negative price to SAP 500 ratio of -9.45 is unusual and may reflect a misinterpretation or data inconsistency, but overall, the modest book value and cash per share imply limited downside buffer. Together, these metrics suggest the company might be overvalued, warranting caution for investors considering long-term positions.
- $32.7
- $12.8
- $0.69
- -9.45%
- 5.87
- $28.5
- $8.26
- 1.52