SOFI
SoFi Technologies·NASDAQ
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2.68 / 10
Underperform
Fundamental assessment is concerning, with a low 2.7/10 score. Key red flags include negative Profit-MV (-0.0505) and Asset-MV (-0.5033), alongside a deeply negative Net Profit Margin (-1256.29%). Although Operating Revenue grew 64.4% YoY, the company's profitability and balance-sheet efficiency remain problematic, underscoring weak financial health.
Analysis Checks(4/10)
Gross profit margin (%)
Value48.17
Score2/3
Weight6.17%
1M Return1.27%
Value48.17
Score2/3
Weight6.17%
1M Return1.27%
Total profit (YoY growth rate %)
Value125.36
Score0/3
Weight-11.41%
1M Return-3.00%
Value125.36
Score0/3
Weight-11.41%
1M Return-3.00%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight15.68%
1M Return3.12%
Value100.00
Score2/3
Weight15.68%
1M Return3.12%
Total assets turnover ratio
Value0.93
Score1/3
Weight16.51%
1M Return3.38%
Value0.93
Score1/3
Weight16.51%
1M Return3.38%
Asset-MV
Value-0.50
Score1/3
Weight54.90%
1M Return7.27%
Value-0.50
Score1/3
Weight54.90%
1M Return7.27%
Profit-MV
Value-0.05
Score0/3
Weight-10.34%
1M Return-2.31%
Value-0.05
Score0/3
Weight-10.34%
1M Return-2.31%
Net profit margin (%)
Value-1256.29
Score2/3
Weight13.38%
1M Return2.69%
Value-1256.29
Score2/3
Weight13.38%
1M Return2.69%
Operating revenue (YoY growth rate %)
Value64.40
Score1/3
Weight17.42%
1M Return3.29%
Value64.40
Score1/3
Weight17.42%
1M Return3.29%
EBIT / Total operating revenue (%)
Value-512.37
Score2/3
Weight13.22%
1M Return2.61%
Value-512.37
Score2/3
Weight13.22%
1M Return2.61%
Cash-MV
Value0.14
Score0/3
Weight-15.54%
1M Return-3.39%
Value0.14
Score0/3
Weight-15.54%
1M Return-3.39%
Gross profit margin (%)
Value48.17
Score2/3
Weight6.17%
1M Return1.27%
Value48.17
Score2/3
Weight6.17%
1M Return1.27%
Profit-MV
Value-0.05
Score0/3
Weight-10.34%
1M Return-2.31%
Value-0.05
Score0/3
Weight-10.34%
1M Return-2.31%
Total profit (YoY growth rate %)
Value125.36
Score0/3
Weight-11.41%
1M Return-3.00%
Value125.36
Score0/3
Weight-11.41%
1M Return-3.00%
Net profit margin (%)
Value-1256.29
Score2/3
Weight13.38%
1M Return2.69%
Value-1256.29
Score2/3
Weight13.38%
1M Return2.69%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight15.68%
1M Return3.12%
Value100.00
Score2/3
Weight15.68%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value64.40
Score1/3
Weight17.42%
1M Return3.29%
Value64.40
Score1/3
Weight17.42%
1M Return3.29%
Total assets turnover ratio
Value0.93
Score1/3
Weight16.51%
1M Return3.38%
Value0.93
Score1/3
Weight16.51%
1M Return3.38%
EBIT / Total operating revenue (%)
Value-512.37
Score2/3
Weight13.22%
1M Return2.61%
Value-512.37
Score2/3
Weight13.22%
1M Return2.61%
Asset-MV
Value-0.50
Score1/3
Weight54.90%
1M Return7.27%
Value-0.50
Score1/3
Weight54.90%
1M Return7.27%
Cash-MV
Value0.14
Score0/3
Weight-15.54%
1M Return-3.39%
Value0.14
Score0/3
Weight-15.54%
1M Return-3.39%
Is SOFI fundamentally strong?
- SOFI scores 2.68/10 on fundamentals and holds a Premium valuation at present. Backed by its 5.66% ROE, 13.32% net margin, 55.07 P/E ratio, 2.53 P/B ratio, and -8.70% earnings growth, these metrics solidify its Underperform investment rating.
