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Upturn AI SWOT - About
SOFI 
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
09/17/2025: SOFI (4-star) is a STRONG-BUY. BUY since 86 days. Simulated Profits (100.00%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $21
1 Year Target Price $21
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 175.01% | Avg. Invested days 34 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.83B USD | Price to earnings Ratio 54.84 | 1Y Target Price 21 |
Price to earnings Ratio 54.84 | 1Y Target Price 21 | ||
Volume (30-day avg) 19 | Beta 1.94 | 52 Weeks Range 7.57 - 27.88 | Updated Date 09/17/2025 |
52 Weeks Range 7.57 - 27.88 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.5 |
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 18.54% | Operating Margin (TTM) 13.28% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 8.8% |
Valuation
Trailing PE 54.84 | Forward PE 49.75 | Enterprise Value 34794545152 | Price to Sales(TTM) 10.84 |
Enterprise Value 34794545152 | Price to Sales(TTM) 10.84 | ||
Enterprise Value to Revenue 12.07 | Enterprise Value to EBITDA - | Shares Outstanding 1197449984 | Shares Floating 1177680199 |
Shares Outstanding 1197449984 | Shares Floating 1177680199 | ||
Percent Insiders 3.02 | Percent Institutions 53.71 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 as Social Finance, 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.
Core Business Areas
- Lending: Offers student loan refinancing, personal loans, and home loans.
- Technology Platform: Provides a technology platform that powers financial services for other companies.
- Financial Services: Includes checking and savings accounts, investment products, and credit cards.
Leadership and Structure
Anthony Noto serves as the CEO. The company operates with a functional organizational structure, with teams dedicated to specific product lines and business areas.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured personal loans for various purposes. SoFi is a notable player in this space, competing with traditional banks and fintech lenders. Competitors include Upstart, LendingClub, and Prosper.
- Student Loan Refinancing: Refinances existing student loans at potentially lower interest rates. Competitors include Earnest, CommonBond, and Laurel Road.
- Checking and Savings Accounts: Offers high-yield checking and savings accounts with attractive interest rates. Competitors include Ally Bank, Capital One 360, and Discover Bank.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing consumer demand for digital financial services and advancements in technology. The sector is characterized by intense competition and evolving regulations.
Positioning
SoFi is positioned as a one-stop-shop for financial services, targeting affluent, digitally savvy consumers. Its competitive advantage lies in its integrated platform, strong brand recognition, and data-driven approach.
Total Addressable Market (TAM)
The total addressable market is estimated to be in the trillions of dollars, encompassing lending, banking, and investment services. SoFi is positioned to capture a significant share of this market through its diverse product offerings and expanding customer base.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product offerings
- Technology-driven platform
- Aggressive marketing and customer acquisition
- Strong management team
Weaknesses
- Relatively young company
- Dependence on funding and capital markets
- Limited profitability to date
- High customer acquisition costs
- Regulatory scrutiny
Opportunities
- Expanding into new product lines
- Increasing cross-selling opportunities
- Acquiring new customers
- Leveraging technology to improve efficiency
- Capitalizing on the growing demand for digital financial services
Threats
- Intense competition
- Economic downturn
- Rising interest rates
- Changes in regulations
- Data security breaches
Competitors and Market Share
Key Competitors
- UPST
- LC
- ALLY
- COF
Competitive Landscape
SoFi faces intense competition from both traditional financial institutions and fintech startups. Its competitive advantage lies in its integrated platform and strong brand recognition. However, it needs to continue innovating and differentiating itself to maintain its market share.
Major Acquisitions
Galileo
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: To enhance SoFi's technology platform and expand its reach to other financial institutions.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid growth in revenue and membership over the past few years, driven by its expanding product offerings and aggressive marketing efforts.
Future Projections: Analyst estimates suggest continued revenue growth for SoFi, driven by its expansion into new markets and product lines. Profitability is expected to improve over time as the company achieves greater scale.
Recent Initiatives: Recent initiatives include the acquisition of Galileo, a technology platform for financial services, and the launch of new products such as SoFi at Work.
Summary
SoFi is a rapidly growing fintech company with a diversified product offering and a strong brand. While the company has demonstrated impressive revenue growth, it still faces challenges in achieving profitability. The company's growth strategy and recent acquisitions position it well for future success but needs to monitor competition and regulation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC), Analyst Reports, Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and after consulting with a qualified financial advisor.
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.
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