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SOFI 
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
12/09/2025: SOFI (4-star) is currently NOT-A-BUY. Pass it for now.
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 $27.15
1 Year Target Price $27.15
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 138.45% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 33.29B USD | Price to earnings Ratio 49.3 | 1Y Target Price 27.15 |
Price to earnings Ratio 49.3 | 1Y Target Price 27.15 | ||
Volume (30-day avg) 19 | Beta 1.94 | 52 Weeks Range 8.60 - 32.73 | Updated Date 12/9/2025 |
52 Weeks Range 8.60 - 32.73 | Updated Date 12/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.56 |
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 19.46% | Operating Margin (TTM) 15.6% |
Management Effectiveness
Return on Assets (TTM) 1.61% | Return on Equity (TTM) 8.59% |
Valuation
Trailing PE 49.3 | Forward PE 47.17 | Enterprise Value 33041057792 | Price to Sales(TTM) 10.12 |
Enterprise Value 33041057792 | Price to Sales(TTM) 10.12 | ||
Enterprise Value to Revenue 10.93 | Enterprise Value to EBITDA - | Shares Outstanding 1205903044 | Shares Floating 1169967133 |
Shares Outstanding 1205903044 | Shares Floating 1169967133 | ||
Percent Insiders 3.15 | Percent Institutions 54.63 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 by Mike Cagney, Dan Macklin, and James Sortino. Initially focused on refinancing student loans, the company has since expanded into a comprehensive digital financial services platform. Key milestones include its IPO in 2021 through a SPAC merger with Social Capital Hedosophia Holdings Corp. V.
Core Business Areas
- Lending: Offers personal loans, student loan refinancing, home loans, and home equity products. This segment is a core revenue driver, leveraging technology for efficient underwriting and customer acquisition.
- Financial Services: Provides a range of banking products including checking and savings accounts, alongside investment products like stock trading, ETFs, and cryptocurrency trading.
- Technology and Payments: Offers Galileo, a cloud-based platform providing financial services APIs to other fintech companies and financial institutions, and SoFi Bank, N.A. for deposit and lending operations.
Leadership and Structure
SoFi Technologies Inc. is led by a management team that includes CEO Anthony Noto. The company operates as a unified digital platform, integrating its various financial products and services for a seamless customer experience.
Top Products and Market Share
Key Offerings
- Student Loan Refinancing: SoFi's initial and still a significant product, offering competitive rates to borrowers looking to consolidate and refinance their student debt. Competitors include Navient, Nelnet, and other fintech lenders like Credible.
- Personal Loans: Provides unsecured personal loans for various purposes such as debt consolidation, home improvement, or major purchases. Competitors include LendingClub, Prosper, and traditional banks.
- SoFi Money (Checking/Savings): A high-yield checking and savings account product designed to attract deposits and cross-sell other SoFi products. Competitors include Ally Bank, Marcus by Goldman Sachs, and other online banks.
- Galileo: A business-to-business (B2B) payment processing and account creation platform used by numerous fintech companies. Competitors include Marqeta, Braintree (PayPal), and Stripe.
Market Dynamics
Industry Overview
The fintech industry is characterized by rapid innovation, increasing competition, and a growing demand for digital-first financial services. The lending and banking sectors are undergoing significant disruption, with a shift towards personalized, convenient, and lower-cost offerings.
Positioning
SoFi positions itself as a 'one-stop shop' for financial needs, leveraging its technology platform to offer a broad range of products and services. Its competitive advantages lie in its integrated ecosystem, strong brand recognition among younger demographics, and its ability to cross-sell effectively.
Total Addressable Market (TAM)
The TAM for digital lending, banking, and financial services is vast and continues to grow. Estimates for the global fintech market range from trillions of dollars. SoFi is positioned to capture a significant portion of this by offering a diversified suite of products to a broad customer base, from early-career professionals to established individuals.
Upturn SWOT Analysis
Strengths
- Integrated digital platform with a wide range of financial products.
- Strong brand recognition and loyal customer base.
- Proprietary technology and data analytics capabilities.
- Acquisition of a national bank charter enhances deposit-gathering capabilities.
- Diversified revenue streams beyond traditional lending.
Weaknesses
- Profitability challenges due to rapid growth and investment in technology.
- Reliance on a portion of its customer base for student loan refinancing, which can be cyclical.
- Increased competition from established banks and other fintech players.
- Regulatory hurdles and compliance costs.
Opportunities
- Expansion into new product categories and international markets.
- Leveraging its Galileo platform for further B2B growth.
- Increasing customer lifetime value through cross-selling and up-selling.
- Capitalizing on the shift towards digital banking and investment.
- Further integration of AI for personalized financial advice and product offerings.
Threats
- Interest rate hikes and economic downturns impacting lending volumes and credit quality.
- Intensifying competition leading to margin compression.
- Changes in consumer financial behavior and preferences.
- Cybersecurity risks and data breaches.
- Evolving regulatory landscape.
Competitors and Market Share
Key Competitors
- LendingClub Corporation (LC)
- Ally Financial Inc. (ALLY)
- Marcus by Goldman Sachs (GS)
- Navient Corporation (NAVI)
- Nelnet, Inc. (NNI)
Competitive Landscape
SoFi operates in a highly competitive landscape. Its advantages include its integrated technology and a strong focus on customer experience, particularly for younger demographics. However, it faces competition from established financial institutions with larger customer bases and deeper pockets, as well as other agile fintech companies specializing in specific niches.
Major Acquisitions
Galileo Financial Technologies
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Acquired to significantly bolster SoFi's technology infrastructure and enable it to offer its platform services (APIs) to other fintech companies and financial institutions, creating a new B2B revenue stream.
Golden Pacific Bancorp
- Year: 2021
- Acquisition Price (USD millions): 22
- Strategic Rationale: Acquisition of a bank holding company to obtain a national bank charter (SoFi Bank, N.A.), which is crucial for deposit gathering, reducing reliance on wholesale funding, and offering a more complete suite of financial products.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid customer and revenue growth since its inception, driven by its expansion from student loan refinancing to a full-service financial platform. The acquisition of a bank charter has been a significant enabler of its deposit-gathering strategy.
Future Projections: Analyst projections typically indicate continued revenue growth, with a focus on achieving profitability in the coming years. Growth is expected to be driven by increasing loan origination volumes, expansion of its financial services offerings, and the scalability of its Galileo platform.
Recent Initiatives: Key recent initiatives include the full integration of its bank charter, expansion of its investment offerings, and continued development of its Galileo platform to attract more B2B clients. Strategic partnerships and potential future acquisitions are also part of its growth strategy.
Summary
SoFi Technologies Inc. is a rapidly growing digital financial services platform with a strong, integrated product ecosystem and a loyal customer base. Its core strength lies in its technology and ability to cross-sell a wide range of products. However, it faces ongoing challenges in achieving consistent profitability, navigating intense competition, and managing the cyclical nature of its lending business. Continued investment in technology and strategic expansion are key to its future success.
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Sources and Disclaimers
Data Sources:
- SoFi Technologies Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Wall Street Journal)
- Industry Research Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Data accuracy is based on available public information and may be subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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