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SoFi Technologies, Inc. (SOFI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

SoFi Technologies, Inc.

SOFIMarket cap $20BPrice $15.6

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

SoFi lets you bank, invest, borrow, and refinance student loans all in one app, chasing the "one-stop-shop" dream banks never delivered. It's grown from a student loan startup into a full-blown digital bank with a national charter.

In Bastion Portfolios?

52W Return-41%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+33%10

Revenue Forecast

Rev CAGR (1y)+36%9

Rev CAGR (3y)+27%9

Rev CAGR (5y)+20%9

Earnings Forecast

EPS Growth Y+1+58%9

EPS Growth Y+2+44%9

EPS Growth Y+3+33%9

Quality

Margins

EBIT Margin0%3

Net Income Margin15%7

Free Cash Flow Margin-206%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE7%3

ROA1%3

Earnings Stability44

GEAR+WEAK29

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)204

P/E Ratio (Forward 3y)136

P/BV1.87

EV Multiples

EV/EBITDA Fwd04

EV/EBIT Fwd04

Yield

Free Cash Flow Yield0.0%3

Dividend Yieldna–

Momentum

Short term

1 month return-10%2

3 month return-16%2

YTD return-40%1

Mid term

Price vs 52wHigh48%1

1 year return-45%1

Long term

3 year return+91%7

5 year return-4%3

Risk Shield

Price Risk

Beta2.41

Volatility57%2

Free Cash Flow

Free Cash Flow Margin-206%1

Free Cash Flow Yield0.0%3

Quality

ROCE6%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SOFISoFi Technologies

Revenue FY25$3.6B

GROWTH RATING↗

VERY STRONG94 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+33%10

Revenue, next 1Y+36%9

Revenue, next 3Y, CAGR+27%9

Revenue, next 5Y, CAGR+20%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+58%9

EPS growth, FY27E+44%9

EPS growth, FY28E+33%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 94% of companies worldwide.

Revenue grew 33%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 20%/yr over five years.9/10

Earnings are set to grow faster than sales (EPS about 44%/yr vs revenue 27%/yr), so margins should widen.

WATCH

Revenue grew 33%/yr over the last 3 years; forecasts see it cooling to 27%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK8 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-16%2

YTD return-40%1

MID & LONG-TERM▾SCORE

% of 52-week high48%1

1-year return-45%1

3-year return+91%7

5-year return-4%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+91% over three years and -3.7% over five), roughly average for the market.

WEAKNESSES

It's down 45% over the past year, now 52% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-10%), over three months (-16%) and so far this year (-40%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on SoFi Technologies, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

SOFISoFi Technologies

Revenue FY25$3.6B

GROWTH RATING↗

VERY STRONG94 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+33%10

Revenue, next 1Y+36%9

Revenue, next 3Y, CAGR+27%9

Revenue, next 5Y, CAGR+20%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+58%9

EPS growth, FY27E+44%9

EPS growth, FY28E+33%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 94% of companies worldwide.

Revenue grew 33%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 20%/yr over five years.9/10

Earnings are set to grow faster than sales (EPS about 44%/yr vs revenue 27%/yr), so margins should widen.

WATCH

Revenue grew 33%/yr over the last 3 years; forecasts see it cooling to 27%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK8 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-16%2

YTD return-40%1

MID & LONG-TERM▾SCORE

% of 52-week high48%1

1-year return-45%1

3-year return+91%7

5-year return-4%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+91% over three years and -3.7% over five), roughly average for the market.

WEAKNESSES

It's down 45% over the past year, now 52% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-10%), over three months (-16%) and so far this year (-40%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on SoFi Technologies, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community