SoFi Technologies (SOFI) Fundamental Analysis: Revenue, Earnings & Valuation

3.08 / 10

Netural

Fundamental analysis rates SOFI neutral with a poor 3.1/10 score. Strengths include total assets turnover (0.81) and EBIT/revenue ratio, yet cash‑to‑market value is low and operating revenue growth (178%) is volatile. Risks stem from weak cash position and uneven liability ratios, urging prudence.

Analysis Checks(6/10)

Current liabilities / Total liabilities (%)

Value48.00

Score2/3

Weight12.81%

1M Return4.47%

Accounts receivable turnover ratio

Value23.56

Score3/3

Weight11.78%

1M Return4.23%

Non-current liabilities / Total liabilities (%)

Value54.03

Score1/3

Weight6.10%

1M Return2.18%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight10.01%

1M Return3.73%

Operating revenue (YoY growth rate %)

Value178.08

Score1/3

Weight9.31%

1M Return3.32%

Total assets turnover ratio

Value0.81

Score2/3

Weight7.23%

1M Return2.65%

EBIT / Total operating revenue (%)

Value-1013.63

Score2/3

Weight7.05%

1M Return2.63%

Asset-MV

Value-0.55

Score1/3

Weight29.50%

1M Return8.94%

Current assets / Total assets (%)

Value46.60

Score3/3

Weight16.94%

1M Return5.79%

Cash-MV

Value0.02

Score1/3

Weight-10.72%

1M Return-5.16%

Is SOFI undervalued or overvalued?

SOFI scores 3.08/10 on fundamentals and holds a Fair valuation at present. Backed by its 5.66% ROE, 13.32% net margin, 44.10 P/E ratio, 2.02 P/B ratio, and -8.70% earnings growth, these metrics solidify its Netural investment rating.