Company Analysis
SoFi Technologies Inc
SOFI • Financial Services
AI Summary
SoFi Technologies offers a diversified financial platform with exposure to lending, investing, and banking services, supported by a moderate earnings power score of 6.5/10. Despite a high P/E ratio of 39.8, the stock is currently trading at approximately a third of its estimated fair value ($7.02 vs. $19.09), indicating significant undervaluation. This combination presents a balanced investment opportunity with potential upside, backed by a stable balance sheet and moderate growth prospects.
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 EPS of 0.44 combined with a high P/E ratio of 39.82 suggests that investors have high expectations for future growth, despite a modest return on equity of 6.25%, indicating limited profitability relative to shareholders’ equity. The low debt-to-equity ratio of 0.17 signifies minimal leverage, but the interest coverage ratio and quick ratio of zero raise concerns about the company’s ability to meet interest obligations and manage liquidity, potentially indicating financial stress. Collectively, these ratios highlight a company with high valuation expectations but underlying liquidity and profitability challenges; addressing these issues could be essential for unlocking stock upside potential and achieving sustainable growth.
- $0.44
- 39.82
- 6.25%
- 0.17%
- 0.0
- $470 B
- 0.0%
- $23 B
Operational Ratios
AI Operational Ratios Summary
The company's negative operating and net profit margins (-19.92 and -19.79, respectively) indicate operational inefficiencies or challenges in generating profit from core activities, which adversely impact overall profitability. Nonetheless, a modest return on assets (1.21%) suggests some level of asset utilization, while the significant growth in CAPEX (59.21%) reflects aggressive investment efforts potentially aimed at enhancing future operational capacity. Overall, current ratios point to operational struggles, but the increased capital expenditures may signal a focus on growth and long-term improvement.
- -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 6.73 suggests its stock may be overvalued relative to its earnings growth potential, while a negative Price to SAP 500 ratio of -8.39 indicates significant undervaluation relative to the broader market. Despite this, the modest Book Value per Share of 8.26 and cash per share of 1.52 imply underlying tangible assets, but the elevated valuation multiples may warrant caution. Overall, these ratios suggest the company might be overvalued based on growth metrics, which could limit its attractiveness for conservative investors but might appeal to those seeking growth potential with higher risk tolerance.
- $32.7
- $14.4
- $0.73
- -8.39%
- 6.73
- $32.6
- $8.26
- 1.52