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Upturn AI SWOT - About
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
07/02/2025: SOFI (4-star) is a STRONG-BUY. BUY since 33 days. Profits (33.53%). 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 $14.45
1 Year Target Price $14.45
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 83.61% | Avg. Invested days 27 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.50B USD | Price to earnings Ratio 41.02 | 1Y Target Price 14.45 |
Price to earnings Ratio 41.02 | 1Y Target Price 14.45 | ||
Volume (30-day avg) 19 | Beta 1.83 | 52 Weeks Range 6.01 - 18.92 | Updated Date 07/2/2025 |
52 Weeks Range 6.01 - 18.92 | Updated Date 07/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.43 |
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 17.38% | Operating Margin (TTM) 10.41% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 7.51% |
Valuation
Trailing PE 41.02 | Forward PE 59.88 | Enterprise Value 21316392960 | Price to Sales(TTM) 7.04 |
Enterprise Value 21316392960 | Price to Sales(TTM) 7.04 | ||
Enterprise Value to Revenue 8.09 | Enterprise Value to EBITDA - | Shares Outstanding 1105360000 | Shares Floating 1085157059 |
Shares Outstanding 1105360000 | Shares Floating 1085157059 | ||
Percent Insiders 3.3 | Percent Institutions 47.57 |
Analyst Ratings
Rating 3 | Target Price 14.45 | Buy 3 | Strong Buy 4 |
Buy 3 | Strong Buy 4 | ||
Hold 8 | Sell 2 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 as Social Finance, initially focused on refinancing student loans. It has since expanded into a broad range of financial services, including personal loans, mortgages, investing, and banking products. SoFi went public via 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 cloud-based, end-to-end technology platform that enables partners to offer digital financial services. This includes Galileo, a payments platform, and Technisys, a core banking platform.
- Financial Services: Offers a suite of products including SoFi Money (checking and savings accounts), SoFi Invest (brokerage and robo-advisor services), and SoFi Credit Card.
Leadership and Structure
Anthony Noto is the CEO of SoFi Technologies Inc. The company has a typical corporate structure with various departments headed by VPs and SVPs, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured loans for various purposes. SoFi has gained a significant share in the personal loan market. Competitors include LendingClub (LC) and Upstart (UPST). SoFi's personal loan originations were $3.3 billion in Q3 2023.
- Student Loan Refinancing: Refinances existing student loans. SoFi was a pioneer in this space. Competitors include Earnest and CommonBond. Student loan originations were $0.7 billion in Q3 2023
- Technology Platform (Galileo): Powers digital financial services for other companies. Galileo competes with companies like Marqeta (MQ) and Stripe. Galileo processed 138 million transactions in Q3 2023.
- Checking and Savings: SoFi offers checking and savings accounts, appealing to the younger generation. SoFi direct deposit members are at 730,000.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing consumer demand for digital financial services. The industry is highly competitive, with both established financial institutions and emerging fintech companies vying for market share.
Positioning
SoFi positions itself as a one-stop-shop for financial services, targeting young, affluent professionals. Its competitive advantages include its technology platform, its strong brand, and its ability to cross-sell products.
Total Addressable Market (TAM)
The TAM for the fintech industry is estimated to be in the trillions of dollars. SoFi is positioned to capture a significant share of this market through its diversified product offerings and focus on innovation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product offerings
- Proprietary technology platform
- High customer satisfaction scores
- Growing membership base
Weaknesses
- Relatively new company
- Dependence on macroeconomic conditions
- High marketing expenses
- Profitability not yet consistent
Opportunities
- Further expansion into new financial services
- Increasing adoption of digital financial services
- Strategic partnerships with other companies
- International expansion
Threats
- Increased competition from established financial institutions and other fintech companies
- Changes in regulations
- Economic downturns
- Data security breaches
Competitors and Market Share
Key Competitors
- LendingClub (LC)
- Upstart (UPST)
- Rocket Companies (RKT)
- Ally Financial (ALLY)
- LightStream (SunTrust) (STI)
- Discover (DFS)
Competitive Landscape
SoFi's advantages include its technology platform and strong brand. Its disadvantages include its relatively small size and dependence on macroeconomic conditions. Competition is intense.
Major Acquisitions
Galileo
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Expanded SoFi's technology platform capabilities.
Technisys
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Accelerated SoFi's multi-product strategy and enabled greater control over its technology stack.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid growth in recent years, driven by its expansion into new products and services. Membership has grown significantly.
Future Projections: Analysts expect SoFi to continue to grow rapidly in the coming years, driven by its diversified product offerings and focus on innovation. Expectations are for profitability in 2024.
Recent Initiatives: Recent initiatives include the acquisition of Technisys, the launch of new products such as SoFi at Work, and the expansion of its technology platform.
Summary
SoFi is a rapidly growing fintech company with a diversified product offering and a strong brand. The company is investing heavily in technology and marketing. While still not consistently profitable, SoFi's revenue is growing rapidly and its membership base is expanding. Investors should monitor macroeconomic conditions and competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SoFi Technologies Inc. Investor Relations
- Company Filings (SEC)
- Third-party market research reports
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may be subject to change.
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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