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SOFI 
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
02/23/2026: 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 $26.5
1 Year Target Price $26.5
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.03B USD | Price to earnings Ratio 48.77 | 1Y Target Price 26.5 |
Price to earnings Ratio 48.77 | 1Y Target Price 26.5 | ||
Volume (30-day avg) 19 | Beta 2.18 | 52 Weeks Range 8.60 - 32.73 | Updated Date 02/23/2026 |
52 Weeks Range 8.60 - 32.73 | Updated Date 02/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.39 |
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 2026-01-30 | When - | Estimate 0.11 | Actual 0.13 |
Profitability
Profit Margin 13.43% | Operating Margin (TTM) 18.18% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 5.66% |
Valuation
Trailing PE 48.77 | Forward PE 47.17 | Enterprise Value 21193277440 | Price to Sales(TTM) 6.71 |
Enterprise Value 21193277440 | Price to Sales(TTM) 6.71 | ||
Enterprise Value to Revenue 11.5 | Enterprise Value to EBITDA - | Shares Outstanding 1263657704 | Shares Floating 1254566318 |
Shares Outstanding 1263657704 | Shares Floating 1254566318 | ||
Percent Insiders 3.06 | Percent Institutions 56.17 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 by Mike Cagney, Daniel Welch, and James Greek. Initially focused on student loan refinancing, SoFi has evolved into a comprehensive digital financial services platform. Key milestones include its growth into personal loans, mortgages, and a brokerage, followed by its direct listing on the Nasdaq in 2021. The company has expanded its offerings to include banking services, investing, and crypto trading.
Core Business Areas
- Lending: SoFi offers a range of loan products, including student loan refinancing, personal loans, and home loans. This segment is a core revenue driver, leveraging its digital platform for efficient origination and servicing.
- Financial Services: This segment encompasses banking products (checking and savings accounts), investment services (stock and ETF trading, fractional shares), and cryptocurrency trading. It aims to provide a holistic financial ecosystem for its members.
- Technology Platform: SoFi's Galileo platform provides financial technology services to other businesses, enabling them to offer digital banking and payment solutions. This B2B segment diversifies SoFi's revenue streams.
Leadership and Structure
SoFi Technologies Inc. is led by a management team including CEO Anthony Noto. The company operates with a functional organizational structure, overseeing its various product lines and technological infrastructure.
Top Products and Market Share
Key Offerings
- Student Loan Refinancing: SoFi's flagship product, offering competitive rates and terms for refinancing federal and private student loans. Competitors include Earnest, Laurel Road, and Nelnet.
- Personal Loans: Unsecured personal loans for various purposes like debt consolidation, home improvement, and major purchases. Competitors include LendingClub, Prosper, and Marcus by Goldman Sachs.
- SoFi Checking and Savings Accounts: Digital banking accounts offering high-yield interest rates and features like early direct deposit. Competitors include Ally Bank, Chime, and Discover Bank.
- SoFi Invest: A platform for trading stocks, ETFs, and cryptocurrencies, with options for fractional shares and robo-advising. Competitors include Robinhood, Fidelity, and Charles Schwab.
Market Dynamics
Industry Overview
The digital financial services industry is characterized by intense competition, rapid technological innovation, and evolving consumer expectations. Fintech companies are increasingly challenging traditional banks by offering more user-friendly, accessible, and often lower-cost alternatives. Regulatory changes and a focus on customer experience are key drivers.
Positioning
SoFi is positioned as a modern, digitally-native financial services provider targeting a broad demographic, particularly millennials and Gen Z. Its integrated platform model, combining lending, banking, and investing, is a key competitive advantage, aiming to become a one-stop shop for financial needs. The company leverages technology for efficient customer acquisition and service.
Total Addressable Market (TAM)
The total addressable market for financial services, particularly lending and digital banking, is vast, estimated in the trillions of dollars globally. SoFi is positioned to capture a significant portion of this market by offering a comprehensive suite of products to its target audience. The company aims to increase its market share by continuously expanding its product offerings and member base.
Upturn SWOT Analysis
Strengths
- Integrated Digital Platform: Offers a wide range of financial products under one roof.
- Strong Brand Recognition: Especially among its target demographic.
- Technological Innovation: Leverages technology for efficient operations and customer experience.
- Diversified Revenue Streams: From lending to banking and technology services.
- Growing Member Base: Demonstrates consistent user acquisition.
Weaknesses
- Profitability Challenges: Has historically operated at a loss, with a path to profitability still developing.
- Dependence on Lending Markets: Performance can be sensitive to interest rate fluctuations and economic downturns.
- Regulatory Scrutiny: As a financial institution, it is subject to evolving regulations.
- Customer Acquisition Cost: High marketing spend to acquire new members.
Opportunities
- Expansion of Product Offerings: Further development of banking, investing, and insurance products.
- Growth in B2B Services: Expanding the Galileo platform to more clients.
- International Expansion: Tapping into global financial markets.
- Partnerships: Collaborating with other fintechs or established institutions.
- Economic Recovery and Interest Rate Environment: Potentially favorable conditions for lending and growth.
Threats
- Intensifying Competition: From traditional banks and other fintechs.
- Economic Recession: Could lead to increased loan defaults and reduced demand for financial services.
- Rising Interest Rates: May increase borrowing costs and impact loan origination.
- Regulatory Changes: Unfavorable shifts in financial regulations.
- Cybersecurity Risks: Threats to data security and customer trust.
Competitors and Market Share
Key Competitors
- LendingClub Corp. (LC)
- Ally Financial Inc. (ALLY)
- Charles Schwab Corporation (SCHW)
- Robinhood Markets, Inc. (HOOD)
- Upstart Holdings, Inc. (UPST)
Competitive Landscape
SoFi competes in highly fragmented markets, facing both established financial institutions and agile fintech startups. Its advantage lies in its integrated platform and strong brand appeal to younger demographics. However, it faces challenges from the deep pockets of traditional banks and the specialized focus of some fintech competitors. Its ability to innovate and maintain a superior user experience will be critical.
Major Acquisitions
Galileo Financial Technologies, LLC
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: To expand its technology platform services, enabling other companies to offer digital banking and payment solutions, diversifying revenue.
Technisys
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: To enhance its technology stack for banking and payments, accelerating innovation and platform capabilities.
Growth Trajectory and Initiatives
Historical Growth: SoFi has exhibited strong historical growth in its member base and revenue since its inception. This growth has been fueled by its expanding product suite and effective digital marketing strategies. The company has successfully transitioned from a niche student loan provider to a diversified fintech platform.
Future Projections: Analyst projections generally indicate continued revenue growth for SoFi, driven by the expansion of its lending, banking, and investment segments. The focus for future projections is on achieving and sustaining profitability, with many analysts expecting the company to reach positive net income in the coming years. Growth in its Galileo technology platform is also a key projected area.
Recent Initiatives: Recent initiatives include the continued expansion of its banking products, the acquisition of Technisys to enhance its technology capabilities, and strategic partnerships to broaden its reach. The company has also focused on leveraging its established user base to cross-sell additional financial products.
Summary
SoFi Technologies Inc. is a rapidly growing digital finance platform with a strong integrated product offering and a loyal member base. Its core strength lies in its technology and user experience, attracting younger demographics. However, the company faces challenges in achieving consistent profitability and navigating a highly competitive landscape. Continued investment in its platform and strategic execution are crucial for its long-term success.
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Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (e.g., 10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters, Wall Street Journal)
- Market Data Providers (e.g., Refinitiv, FactSet)
- Analyst Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Market share data is an estimation and may vary across different methodologies and reporting periods. Financial performance figures are based on publicly available data and may be subject to revision. Investing in the stock market involves inherent risks, and investors should conduct their own due diligence.
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 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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