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Upturn AI Summary - About
SoFi Technologies Inc.(SOFI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SOFI
09/23/2026: SOFI (1-star) is currently NOT-A-BUY. Pass it for now.
SoFi Technologies is a digital-first financial services provider known for its integrated 'super app' that combines lending, banking, and investment services. The company has a leading position in attracting tech-savvy users and has historically delivered strong revenue growth through its ecosystem model. Its primary growth opportunity lies in its ability to cross-sell products to existing members while scaling its B2B technology segment, Galileo. Investors face risks including high marketing costs, sensitivity to credit cycles, and intense competition from legacy institutions. SoFi may suit growth-oriented investors, though it is not a traditional dividend stock; market participants should monitor its cross-sell ratio and GAAP profitability trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | SoFi is rapidly scaling its user base and revenue, which aligns with growth-oriented investment mandates. |
| Momentum investor | Mixed fit | Momentum appeal depends heavily on market sentiment regarding interest rates and the pace of GAAP profitability. |
| Value investor | Weak fit | SoFi is often priced based on future growth rather than current earnings multiples, which rarely fits deep value criteria. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | High price volatility and exposure to credit cycles make this stock ill-suited for conservative, low-risk investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's beta often exceeds that of the broader market, leading to significant fluctuations. |
| Valuation risk | Medium / high | High growth expectations are priced in, leaving little room for earnings or guidance disappointments. |
| Competition risk (fintech and traditional banking) | High | The company faces constant pressure from deep-pocketed legacy banks and agile, niche-focused startups. |
| Business quality | Medium | While the platform model is promising, the company is still in the process of proving long-term, through-cycle profitability. |
| Dividend income | Low / none | Investors cannot rely on SoFi for current income payments. |
| Execution risk | Medium / high | Scaling three distinct business segments simultaneously requires exceptional operational discipline and integration. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 65.35% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.16B USD | Price to earnings Ratio 34.32 | 1Y Target Price 20.34 |
Price to earnings Ratio 34.32 | 1Y Target Price 20.34 | ||
Volume (30-day avg) 44.6M shares | Beta 2.21 | 52 Weeks Range 14.88 - 32.73 | Updated Date 09/23/2026 |
52 Weeks Range 14.88 - 32.73 | Updated Date 09/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.5 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Lending Segment | Interest income and fees from personal, student, and home loans. | This segment is the company's primary driver of current profitability but is sensitive to interest rates. |
| Financial Services Segment | Revenue from SoFi Money, Invest, and Credit Card products. | This area is designed to grow the user base and cross-sell high-margin products. |
| Technology Platform | Fees charged by Galileo and Technisys for platform services. | This is a B2B business that provides recurring, software-like revenue streams. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 34.32 | Forward PE 21.23 | Enterprise Value 22.21B | Price to Sales(TTM) 5.19 |
Enterprise Value 22.21B | Price to Sales(TTM) 5.19 | ||
Enterprise Value to Revenue 5.88 | Enterprise Value to EBITDA - | Shares Outstanding 1.29B | Shares Floating 1.27B |
Shares Outstanding 1.29B | Shares Floating 1.27B | ||
Percent Insiders 1.45 | Percent Institutions 51.38 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About SoFi Technologies Inc.
Exchange NASDAQ | Headquarters 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 6100 | Website https://www.sofi.com |
Full time employees 6100 | Website https://www.sofi.com | ||
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It 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; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. 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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