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SoFi Technologies Inc

SOFI • Financial Services

$16.58 $0.09 (-0.54%) Last updated: Jun 12, 08:00 PM UTC
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AI Summary

SoFi Technologies is a diversified financial platform offering lending, banking, and investment services, supported by a solid earnings power score of 6.6/10. The stock trades at approximately 13% below its estimated fair value, indicating an undervalued position relative to its intrinsic worth. Its balanced profile, with manageable debt levels and moderate growth prospects, makes it an attractive option for investors seeking a risk-adjusted opportunity in the financial sector.

GoodStock Company Score

6.0/10
Good

Score Breakdown

Management 5.3/10
Balance Sheet 6.3/10
Earnings Power 6.6/10
Sentiment 6.1/10

GoodStock Estimated Valuation

$19.28 – $24.38
Excellent

Valuation Range vs. Current Price

$16.58
Current
$19.28
Avg
$24.38
High
Downside: N/A
Upside: +47.04%

GoodStock Price Momentum

Trending Down
Negative

Momentum Indicators

100-Day Moving Avg Below
YTD vs S&P 500 -43.63%
Price vs 52-Week High 50.66%
RSI 54.05 – Bullish

SOFI Stock Price

$16.58 $-0.09 (-0.54%)
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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: Contrarian

Contrarian investments go against prevailing market trends. Savvy investors seek opportunities in undervalued assets with potential for a turnaround, betting on market misperceptions. Success depends on accurate analysis and the ability to identify positive catalysts others overlook.

Earnings History

Last Beat
Latest EPS
$0.06
+68.5% surprise
Report Date
Q1
Mar 31, 2025

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Financial Ratios

AI Financial Ratios Summary

The company's EPS of 0.44 indicates modest profitability on a per-share basis, while a high P/E ratio of 39.44 suggests that investors have high growth expectations, potentially valuing future earnings highly. However, the low ROE of 6.25% reflects relatively weak efficiency in generating profit from shareholders' equity, and the minimal debt-to-equity ratio of 0.17 indicates a conservative capital structure, though the interest coverage ratio of 0.0 raises concerns about the company's ability to meet interest obligations, possibly signaling financial distress. The combination of high valuation metrics coupled with weak profitability and liquidity ratios may imply that the stock's current price is driven more by growth expectations than fundamentals, which could pose risks to its potential if those expectations are not met.

$0.44
39.44
6.25%
0.17%
0.0
$470 B
0.0%
$22.8 B

Operational Ratios

AI Operational Ratios Summary

The company's negative operating and net profit margins (-19.92% and -19.79%, respectively) indicate current operational inefficiencies and unprofitable core activities, which may hinder short-term profitability. However, the modest return on assets (1.21%) suggests limited asset utilization effectiveness, while the substantial CAPEX growth (59.21%) points toward significant investments that could enhance future operational capabilities and support long-term growth. Overall, these ratios imply the company is in a phase of heavy investment, with profitability and efficiency expected to improve as these investments mature.

-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 Price to SAP 500 ratio of 1.62 suggests that it is modestly valued relative to its 52-week high, indicating potential stability. However, the high PEG ratio of 6.66 points to overvaluation based on earnings growth expectations, which may temper enthusiasm for its growth prospects. Overall, the valuation metrics imply the company might be somewhat overvalued, potentially limiting immediate investment appeal but warranting further analysis of its growth trajectory.

$32.7
$13.1
$0.73
1.62%
6.66
$32.3
$8.26
1.52