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SOFI 
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
01/09/2026: 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 $27.11
1 Year Target Price $27.11
| 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 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 34.94B USD | Price to earnings Ratio 49.5 | 1Y Target Price 27.11 |
Price to earnings Ratio 49.5 | 1Y Target Price 27.11 | ||
Volume (30-day avg) 19 | Beta 1.93 | 52 Weeks Range 8.60 - 32.73 | Updated Date 01/9/2026 |
52 Weeks Range 8.60 - 32.73 | Updated Date 01/9/2026 | ||
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 49.5 | Forward PE 46.51 | Enterprise Value 32968704000 | Price to Sales(TTM) 10.62 |
Enterprise Value 32968704000 | Price to Sales(TTM) 10.62 | ||
Enterprise Value to Revenue 11.36 | Enterprise Value to EBITDA - | Shares Outstanding 1260448498 | Shares Floating 1185872994 |
Shares Outstanding 1260448498 | Shares Floating 1185872994 | ||
Percent Insiders 3 | Percent Institutions 52.12 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. (SoFi) was founded in 2011 by Mike Cagney, Dan Macklin, and James Buttrum. Initially focused on student loan refinancing, SoFi has evolved into a comprehensive digital finance platform. Key milestones include expanding into personal loans, mortgages, and a wide array of financial services, as well as acquiring Golden Pacific Bancorp to obtain a national bank charter, which was approved in 2022. This acquisition was pivotal for SoFi to hold more deposits and better manage its balance sheet.
Core Business Areas
- Lending: Offers student loan refinancing, personal loans, and home loans. This segment is the historical core of SoFi and a significant revenue driver.
- Financial Services: Provides a broad suite of products including SoFi Money (checking/savings), SoFi Invest (stock trading, ETFs, crypto), and SoFi Credit Card. This segment aims to create a one-stop shop for customers' financial needs.
- Technology Platform (Galileo): Provides a cloud-based, API-driven technology platform that enables other financial institutions and fintech companies to offer their own financial products and services.
Leadership and Structure
SoFi is led by CEO Anthony Noto. The company operates as a technology-driven financial services provider, with a focus on digital delivery and a unified platform approach. Its structure is designed around its core business segments to facilitate product development and customer acquisition.
Top Products and Market Share
Key Offerings
- Student Loan Refinancing: SoFi's foundational product, offering competitive rates and terms for refinancing federal and private student loans. Competitors include Sallie Mae, Earnest, and other lenders. Market share in this niche is fragmented, but SoFi is a prominent player. Specific market share data is not readily public but is a significant part of their origination volume.
- Personal Loans: Provides unsecured personal loans for various purposes like debt consolidation, home improvements, and major purchases. Competitors include LendingClub, Prosper, and traditional banks. SoFi has gained traction due to its digital-first approach and competitive pricing.
- SoFi Money: A digital checking and savings account offering interest and cash-back rewards, aiming to attract and retain customers within the SoFi ecosystem. Competitors include Chime, Ally Bank, and traditional bank digital offerings. SoFi aims to leverage this as a primary banking solution for its members.
- SoFi Invest: Encompasses brokerage accounts for stocks, ETFs, and cryptocurrency trading. Competitors include Robinhood, Fidelity, and Charles Schwab. SoFi aims to integrate investing seamlessly with other financial products.
Market Dynamics
Industry Overview
SoFi operates in the highly competitive fintech and financial services industry, which is characterized by rapid innovation, increasing digitalization, and evolving customer expectations. The industry is seeing growth in digital banking, personalized financial advice, and embedded finance solutions.
Positioning
SoFi positions itself as a comprehensive digital financial services platform, targeting primarily 'The Modern Achiever' demographic. Its competitive advantages lie in its integrated technology platform (including Galileo), a strong brand identity, and a focus on member-centricity. The acquisition of a national bank charter has also strengthened its balance sheet and regulatory standing.
Total Addressable Market (TAM)
The TAM for the financial services SoFi offers is substantial, spanning consumer lending, banking, investing, and wealth management. Estimates for the US financial services market alone are in the trillions of dollars. SoFi is positioned to capture a growing share of this market by providing a unified digital experience and expanding its product offerings.
Upturn SWOT Analysis
Strengths
- Integrated technology platform (Galileo)
- Strong brand recognition and member acquisition
- Diversified product offering
- Acquisition of a national bank charter
- Digital-first, user-friendly experience
Weaknesses
- Profitability challenges in some segments
- Dependence on market interest rates for lending profitability
- Brand perception may still be evolving beyond student loans
- Intense competition in all its product categories
Opportunities
- Expansion into new product verticals (e.g., insurance, small business lending)
- Leveraging Galileo's platform for B2B growth
- Further integration of AI and personalized financial advice
- International market expansion
- Growth in high-margin revenue streams like financial services
Threats
- Rising interest rates impacting loan demand and profitability
- Increased regulatory scrutiny in the fintech space
- Intensified competition from incumbents and new entrants
- Economic downturns affecting consumer borrowing and spending
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- LendingClub Corp. (LC)
- Ally Financial Inc. (ALLY)
- SoFi Technologies Inc. (SOFI)
- Rocket Companies, Inc. (RKT)
Competitive Landscape
SoFi competes across multiple fronts. In lending, it faces competition from specialized online lenders and traditional banks. In banking, it competes with neobanks and established financial institutions. Its Galileo platform competes with other financial infrastructure providers. SoFi's advantage lies in its integrated ecosystem and strong digital user experience, aiming to capture customers across multiple financial needs.
Major Acquisitions
Golden Pacific Bancorp
- Year: 2022
- Acquisition Price (USD millions): 259
- Strategic Rationale: To obtain a national bank charter, enabling SoFi to hold more deposits, better manage its balance sheet, and potentially reduce its reliance on wholesale funding, thereby improving profitability and regulatory flexibility.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid growth in its member base and revenue since its inception, driven by its innovative digital platform and expanding product suite. It has successfully transitioned from a niche student loan refiner to a diversified financial services provider.
Future Projections: Analyst projections generally anticipate continued revenue growth, with a focus on achieving GAAP profitability in the coming years. Key drivers are expected to be increased loan originations, growth in high-margin financial services products, and the continued expansion of its Galileo technology platform.
Recent Initiatives: Recent initiatives include the acquisition of a national bank charter to enhance its balance sheet and deposit-taking capabilities, the ongoing expansion of its SoFi Bank offerings, and the continuous development of its Galileo platform to onboard more clients. They have also focused on expanding their product suite within the SoFi app.
Summary
SoFi Technologies Inc. is a rapidly growing digital finance platform with a diversified product offering. Its strengths lie in its integrated technology and strong member acquisition. However, it faces challenges in achieving consistent profitability and navigating a highly competitive landscape. Continued focus on high-margin financial services and disciplined cost management will be crucial for its long-term success, while economic headwinds and regulatory changes remain key areas to monitor.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SoFi Technologies Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Research Reports
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice. Market share data and competitor information are estimates and may not be precise. Financial performance data is based on publicly available information and may be subject to revision. 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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