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Upturn AI SWOT - About
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
08/15/2025: SOFI (4-star) is a STRONG-BUY. BUY since 64 days. Profits (75.17%). 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 $20.11
1 Year Target Price $20.11
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 140.87% | Avg. Invested days 31 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.46B USD | Price to earnings Ratio 47.54 | 1Y Target Price 20.11 |
Price to earnings Ratio 47.54 | 1Y Target Price 20.11 | ||
Volume (30-day avg) 19 | Beta 1.94 | 52 Weeks Range 6.75 - 25.11 | Updated Date 08/16/2025 |
52 Weeks Range 6.75 - 25.11 | Updated Date 08/16/2025 | ||
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 2025-07-28 | When Before Market | Estimate 0.0599 | Actual 0.0862 |
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 47.54 | Forward PE 69.93 | Enterprise Value 30423851008 | Price to Sales(TTM) 9.4 |
Enterprise Value 30423851008 | Price to Sales(TTM) 9.4 | ||
Enterprise Value to Revenue 10.64 | Enterprise Value to EBITDA - | Shares Outstanding 1197449984 | Shares Floating 1177261091 |
Shares Outstanding 1197449984 | Shares Floating 1177261091 | ||
Percent Insiders 3.02 | Percent Institutions 53.51 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 as a student loan refinancing company. It has since expanded into a broad range of financial services, including personal loans, mortgages, investing, and banking services. SoFi went public through a SPAC merger in 2021.
Core Business Areas
- Lending: Offers student loan refinancing, personal loans, and home loans. This segment generates revenue through interest income and origination fees.
- Technology Platform: Provides a technology platform that other financial institutions can use to offer their own digital financial products. This segment generates revenue through technology licensing and platform usage fees.
- Financial Services: Offers a suite of financial services, including checking and savings accounts, investment products, and credit cards. This segment generates revenue through interchange fees, interest income, and management fees.
Leadership and Structure
Anthony Noto is the CEO. The company operates with a typical corporate structure with functional departments reporting to the executive team.
Top Products and Market Share
Key Offerings
- Competitors: LendingClub (LC), Upstart (UPST), Prosper, LightStream, and traditional banks
- Personal Loans: Unsecured loans for various purposes. SoFi competes with LendingClub (LC), Upstart (UPST), and traditional banks. Market share is estimated to be in the single-digit percentages within the broader unsecured lending market. Revenue contribution not explicitly broken out.
- Competitors: Sallie Mae (SLM), CommonBond, Laurel Road
- Student Loan Refinancing: Refinancing existing student loan debt at potentially lower interest rates. Competitors include Sallie Mae (SLM) and CommonBond. SoFi was one of the early pioneers of student loan refinancing and holds a significant market share, though precise figures fluctuate based on economic conditions. Revenue contribution not explicitly broken out.
- Competitors: Rocket Mortgage (RKT), PennyMac Financial (PFSI), traditional banks and mortgage brokers
- Home Loans: Offers mortgage and home equity loans. Competitors include Rocket Mortgage (RKT), PennyMac Financial (PFSI) and traditional banks. Market share is small, in the low single digits percentage as SoFi scales its home loan products. Revenue contribution not explicitly broken out.
- Competitors: Ally Financial (ALLY), Capital One (COF), Discover (DFS)
- SoFi Checking and Savings: High-yield checking and savings accounts offered through SoFi Bank. Competitors are many other online banks with high yield products. It's difficult to estimate specific market share numbers, but they are actively competing with many others
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid digital transformation. Fintech companies are challenging traditional banks by offering innovative products and services through digital channels.
Positioning
SoFi is positioned as a modern, digitally-focused financial services provider targeting millennials and Gen Z. Its competitive advantages include its technology platform, strong brand, and diversified product offerings.
Total Addressable Market (TAM)
The total addressable market across SoFi's various segments (lending, banking, and technology) is estimated to be hundreds of billions of dollars. SoFi is striving to increase it's market share by aggressively marketing its products and services.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among millennials and Gen Z
- Diversified product offerings
- Technology platform
- Growing membership base
- Acquisition of a bank charter.
Weaknesses
- Relatively young company
- Not yet consistently profitable
- Heavy reliance on marketing spend for growth
- Exposure to macroeconomic conditions and interest rate sensitivity
- High stock based compensation.
Opportunities
- Further expansion into new financial products and services
- Increased cross-selling opportunities
- Growth in the digital banking market
- Potential for international expansion
- Increase technology licensing revenue
Threats
- Intense competition from established banks and other fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- LC
- ALLY
- RKT
Competitive Landscape
SoFi's advantages include its brand, technology platform, and diversified product offerings. Disadvantages include its relative youth and lack of consistent profitability. SoFi market share data is difficult to obtain precisely, the above market share reflects that of personal loans and the like as estimated by third party companies.
Major Acquisitions
Galileo Financial Technologies
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: To enhance SoFi's technology platform and expand its reach to other fintech companies.
Technisys
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Accelerates SoFiu2019s strategic goal to build a one-stop shop for digital financial services.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid growth in revenue and membership since its inception.
Future Projections: Analysts project continued revenue growth for SoFi, driven by expansion in its lending and financial services businesses. Profitability is expected to improve over time.
Recent Initiatives: Recent strategic initiatives include expanding its product offerings, strengthening its technology platform, and increasing its marketing efforts.
Summary
SoFi Technologies Inc. is a fast-growing fintech company with a strong brand and diversified product offerings. While the company is still not consistently profitable, revenue is increasing. Management needs to show a path to profitability in the near term. SoFi should watch for increasing competition from established financial institutions and other fintech firms.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SoFi Technologies Inc. SEC Filings
- Company Investor Presentations
- Third-party industry reports
- Analyst reports
- Earnings call transcripts
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and financial metrics are subject to change. The AI-based rating is based on an automated analysis and should be used as one factor in your investment decision.
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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