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SOFI 
SoFi Technologies Inc. (SOFI)
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Upturn Advisory Summary
11/04/2025: SOFI (4-star) is a STRONG-BUY. BUY since 7 days. Simulated Profits (-2.10%). 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 $25.92
1 Year Target Price $25.92
| 4 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 2 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 162.1% | 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 11/04/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 36.90B USD | Price to earnings Ratio 54.7 | 1Y Target Price 25.92 |
Price to earnings Ratio 54.7 | 1Y Target Price 25.92 | ||
Volume (30-day avg) 19 | Beta 1.93 | 52 Weeks Range 8.60 - 32.56 | Updated Date 11/4/2025 |
52 Weeks Range 8.60 - 32.56 | Updated Date 11/4/2025 | ||
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 2025-10-28 | When Before Market | Estimate 0.08 | Actual 0.1014 |
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 54.7 | Forward PE 47.17 | Enterprise Value 36457095168 | Price to Sales(TTM) 11.21 |
Enterprise Value 36457095168 | Price to Sales(TTM) 11.21 | ||
Enterprise Value to Revenue 11.5 | Enterprise Value to EBITDA - | Shares Outstanding 1204569655 | Shares Floating 1184284702 |
Shares Outstanding 1204569655 | Shares Floating 1184284702 | ||
Percent Insiders 3.06 | Percent Institutions 53.57 |
Upturn AI SWOT
SoFi Technologies Inc.
Company Overview
History and Background
SoFi Technologies Inc. was founded in 2011 by four Stanford Business School students. Initially focused on student loan refinancing, it has expanded into a broad range of financial services. It went public in 2021 through a SPAC merger.
Core Business Areas
- Lending: Offers student loan refinancing, personal loans, and home loans. Focuses on high-income, creditworthy individuals.
- Technology Platform: Galileo, provides payment processing and backend infrastructure to other fintech companies.
- Financial Services: Provides a suite of services including investment accounts, cash management accounts (SoFi Money), and credit cards.
Leadership and Structure
Anthony Noto is the CEO. SoFi operates with a functional organizational structure across its various business segments.
Top Products and Market Share
Key Offerings
- Student Loan Refinancing: Allows borrowers to refinance existing student loans at potentially lower interest rates. Competitors include Sallie Mae (SLM) and Navient (NAVI). Market share data is not readily and constantly available, but SoFi is a significant player in the fintech student loan refinancing market with over $30B originated.
- Personal Loans: Offers unsecured personal loans for various purposes. Competitors include LendingClub (LC) and Upstart (UPST). Again, precise market share data is not readily available, but SoFi is a growing presence in this market. Personal Loan originations represent a significant portion of SoFi's revenue.
- Galileo: A technology platform that provides payment processing and infrastructure to other fintech companies. Competitors include Marqeta (MQ) and Stripe. Galileo is estimated to represent a substantial portion of the tech platform revenues.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth driven by technological advancements and changing consumer preferences. Increased competition and regulatory scrutiny are also prevalent.
Positioning
SoFi is positioned as a one-stop-shop for financial services, targeting tech-savvy millennials and Gen Z. Its competitive advantage lies in its integrated platform and focus on customer experience.
Total Addressable Market (TAM)
The TAM for SoFi spans lending, payments, and financial services, potentially exceeding $1 trillion. SoFi is positioning itself to capture a growing share through product innovation and cross-selling.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among target demographic
- Diversified product offerings
- Technology-driven platform
- Experienced management team
- High customer satisfaction scores
Weaknesses
- Reliance on macroeconomic conditions
- Profitability not yet consistent
- High marketing expenses
- Relatively short operating history compared to traditional banks
Opportunities
- Expansion into new product lines and geographic markets
- Increased adoption of digital financial services
- Partnerships with other fintech companies
- Growing demand for student loan refinancing
Threats
- Increased competition from traditional banks and other fintech companies
- Changes in regulatory landscape
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- LC
- ALLY
- COIN
- HOOD
Competitive Landscape
SoFi competes with a range of fintech companies and traditional banks. Its advantages include its integrated platform and focus on customer experience. Disadvantages include its shorter operating history and higher marketing expenses.
Major Acquisitions
Galileo Financial Technologies
- Year: 2020
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Expanded SoFi's technology platform and provided access to a wider range of customers.
Technisys
- Year: 2022
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Allowed SoFi to own its end-to-end technology stack and increased its speed to market.
Growth Trajectory and Initiatives
Historical Growth: SoFi has experienced rapid revenue growth in recent years, driven by increased adoption of its products and services.
Future Projections: Analyst estimates vary, but generally project continued revenue growth for SoFi, driven by expansion of its product offerings and user base.
Recent Initiatives: Recent initiatives include expanding into new lending products, enhancing its technology platform, and increasing its marketing efforts.
Summary
SoFi is a rapidly growing fintech company with a diversified product offering and a strong brand. Its integrated platform and focus on customer experience are key competitive advantages. However, it faces competition from established players, macroeconomic risks, and the need to achieve consistent profitability. Recent acquisitions have significantly enhanced SoFi's technological capabilities, positioning it for continued growth, provided it can manage costs and navigate the evolving regulatory landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Financial News Websites
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, impacting the accuracy of this information.
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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