SoFi Technologies Inc Logo

SoFi Technologies Inc

SOFI • Financial Services

$17.31 $0.02 (0.12%) Last updated: Jun 24, 08:00 PM UTC
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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

5.9/10
Ok

Score Breakdown

Management 5.3/10
Balance Sheet 6.1/10
Earnings Power 6.5/10
Sentiment 5.9/10

GoodStock Estimated Valuation

$19.09 – $24.19
Excellent

Valuation Range vs. Current Price

$17.31
Current
$19.09
Avg
$24.19
High
Downside: N/A
Upside: +39.75%

GoodStock Price Momentum

Trending Down
Negative

Momentum Indicators

100-Day Moving Avg Below
YTD vs S&P 500 -41.09%
Price vs 52-Week High 52.89%
RSI 58.82 – Bullish
SoFi Technologies Inc Logo
SOFI

SoFi Technologies Inc

$17.31 +$0.02 (0.12%)
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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 - - -
Classification: Value Trap

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 miss

Actual EPS compared with analyst estimates.

Next report
Q2 2026
33 days
Jul 27, 2026 / Est. $0.11
Latest EPS
$0.12
-1.2% surprise
Estimate
$0.12
Q1 2026
Period Ended
Mar 31
2026
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%

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