Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
SoFi Technologies Inc. (SOFI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/26/2025: SOFI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 31.51% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/26/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.49B USD | Price to earnings Ratio 24.54 | 1Y Target Price 13.79 |
Price to earnings Ratio 24.54 | 1Y Target Price 13.79 | ||
Volume (30-day avg) 48845378 | Beta 1.87 | 52 Weeks Range 6.01 - 18.42 | Updated Date 04/7/2025 |
52 Weeks Range 6.01 - 18.42 | Updated Date 04/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.87% | Operating Margin (TTM) 8.32% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 8.26% |
Valuation
Trailing PE 24.54 | Forward PE 32.47 | Enterprise Value 10869092352 | Price to Sales(TTM) 3.97 |
Enterprise Value 10869092352 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 1096540032 | Shares Floating 1077252073 |
Shares Outstanding 1096540032 | Shares Floating 1077252073 | ||
Percent Insiders 3.34 | Percent Institutions 47.9 |
Analyst Ratings
Rating 2.94 | Target Price 12.1 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 8 | Sell 2 | Strong Sell 3 | |
Strong Sell 3 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 by four Stanford Business School students. Initially focused on student loan refinancing, it has since expanded into a broad range of financial services, including personal loans, mortgages, investing, and banking products. SoFi went public via SPAC merger in 2021.
Core Business Areas
- Lending: Offers student loan refinancing, personal loans, and home loans. This is SoFi's oldest business segment.
- Financial Services: Provides investment accounts, cash management accounts, and credit cards.
- Technology Platform: Offers Galileo, a technology platform enabling other companies to offer digital financial services. Also includes Technisys, a core banking platform.
Leadership and Structure
Anthony Noto is the CEO. The organizational structure is hierarchical, with departments responsible for each business segment.
Top Products and Market Share
Key Offerings
- Student Loan Refinancing: SoFi was originally built on student loan refinancing. Competitors include Sallie Mae, Navient, and Earnest. No definitive market share available but SoFi has a large market presence.
- Personal Loans: Unsecured personal loans for various purposes. Competitors include LendingClub, Upstart, and Prosper. No definitive market share available but SoFi has a large market presence.
- SoFi Checking and Savings: A high-yield cash management account with features like early paycheck access. Competitors include Ally Bank, Marcus by Goldman Sachs, and Discover Bank. No definitive market share available but SoFi has a growing presence.
- Galileo: Payment and fraud platform, part of Technology Platform segment, servicing various fintech and non-fintech companies. Competitors include Marqeta and i2c. No definitive market share available but SoFi has a growing presence.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing demand for digital financial services. It is highly competitive and regulated.
Positioning
SoFi positions itself as a one-stop shop for financial services, targeting young, affluent professionals. Its competitive advantages include a strong brand, technology platform, and cross-selling opportunities.
Total Addressable Market (TAM)
The global fintech market is estimated to be in the trillions of dollars. SoFi is positioned to capture a significant share by providing a broad range of financial services and leveraging its technology platform.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product offerings
- Technology platform (Galileo and Technisys)
- High customer satisfaction
- Data-driven approach
Weaknesses
- Relatively new company
- Path to profitability uncertain
- High marketing expenses
- Reliance on macroeconomic conditions
Opportunities
- Expansion into new markets
- Cross-selling opportunities
- Partnerships with other companies
- Increasing adoption of fintech services
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ALLY
- LC
- UPST
- COIN
- PYPL
Competitive Landscape
SoFi's advantages include its brand, technology platform, and broad product offering. Disadvantages include its lack of profitability and relatively short track record.
Major Acquisitions
Galileo
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: To strengthen its technology platform and expand into the B2B space.
Technisys
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Acquired to build SoFiu2019s in-house core banking platform to support rapid innovation and deliver products faster.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid growth in recent years, driven by increased demand for its products and services and acquisitions.
Future Projections: Analyst estimates vary, but generally project continued revenue growth for SoFi. Profitability is a key focus for investors.
Recent Initiatives: Recent initiatives include expanding product offerings, investing in technology, and pursuing strategic partnerships.
Summary
SoFi is a rapidly growing fintech company with a strong brand and diversified product offerings. While its path to profitability remains a concern, its technology platform and strategic acquisitions position it well for future growth. Competition and macroeconomic conditions are key factors to watch. SoFi's innovation capabilities and expansion into new areas give it a long growth runway, albeit one that will require careful navigation of the financial environment.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
COIN
Coinbase Global Inc
COIN
Coinbase Global Inc
LC
LendingClub Corp
LC
LendingClub Corp
LMND
Lemonade Inc
LMND
Lemonade Inc
OPEN
Opendoor Technologies Inc
OPEN
Opendoor Technologies Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
UPST
Upstart Holdings Inc
UPST
Upstart Holdings Inc
Sources and Disclaimers
Data Sources:
- SoFi Investor Relations
- Company Filings (10K, 10Q)
- Analyst Reports
- Industry News
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic, and current financial performance should be validated with recent Company Filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SoFi Technologies Inc.
Exchange NASDAQ | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2020-11-30 | CEO & Director Mr. Anthony J. Noto | ||
Sector Financial Services | Industry Credit Services | Full time employees 5000 | Website https://www.sofi.com |
Full time employees 5000 | Website https://www.sofi.com | ||
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; and SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.