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SOFI
Upturn stock ratingUpturn stock rating

SoFi Technologies Inc. (SOFI)

Upturn stock ratingUpturn stock rating
$18.21
Last Close (24-hour delay)
Today's Top PicksToday’s top pick
Profit since last BUY34.19%
upturn advisory
Strong Buy
BUY since 31 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
  • ALL
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Upturn Advisory Summary

06/30/2025: SOFI (4-star) is a STRONG-BUY. BUY since 31 days. Profits (34.19%). Updated daily EoD!

Upturn Star Rating

ratingratingratingratingrating

Above Average Performance

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Number of Analysts

rating

19 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $14.45

Year Target Price $14.45

Analyst’s Price TargetsFor last 52 week
$14.45Target price
Low$6.01
Current$18.21
high$18.92

Analysis of Past Performance

Type Stock
Historic Profit 84.52%
Avg. Invested days 27
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 4.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 18.99B USD
Price to earnings Ratio 39.95
1Y Target Price 14.45
Price to earnings Ratio 39.95
1Y Target Price 14.45
Volume (30-day avg) 19
Beta 1.83
52 Weeks Range 6.01 - 18.92
Updated Date 06/30/2025
52 Weeks Range 6.01 - 18.92
Updated Date 06/30/2025
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 39.95
Forward PE 58.14
Enterprise Value 20177870848
Price to Sales(TTM) 6.85
Enterprise Value 20177870848
Price to Sales(TTM) 6.85
Enterprise Value to Revenue 7.91
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 4
Target Price 14.45
Buy 3
Strong Buy 4
Buy 3
Strong Buy 4
Hold 8
Sell 2
Strong Sell 2
Strong Sell 2

ai summary icon Upturn AI SWOT

SoFi Technologies Inc.

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 5000

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.