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SoFi Technologies, Inc. (SOFI)
Average score 7.3 C
Preference —
SoFi; Wikimedia Commons; PD-textlogo (simple shapes and text), trademark rights may apply
Six company scores
Lending, members and products drive rapid growth
Scale brings profits, but technology revenue is shrinking
Deposits and capital grow; credit risk remains
Bank charter, finance app and payments tech widen its moat
Cross-selling potential; credit and regulatory risks remain
About 19x forward earnings; share dilution is a risk
Editorial scores are for education, not audited financial metrics or investment advice.
Revenue by business
- Lending 57.28%
Personal, student and home loans; loan servicing
- Financial Services 36.62%
Banking, investing, cards and loan platform fees
- Technology Platform 6.1%
Galileo payments and digital core banking technology
Revenue by region
- United States 93.12%
- All Foreign Countries 6.88%
Key metrics
| Revenue CAGR (5 years) | 45% |
|---|---|
| Operating income CAGR (5 years) | - |
| Net income CAGR (5 years) | - |
| Operating margin (5-year avg.) | -9% |
| ROE (5-year avg.) | -2% |
| ROA (5-year avg.) | -1% |
| Beta (5 years) | 2.24 |
| MDD (5 years) | -82% |
| Payout ratio (5-year avg.) | 0% |
| P/E | 30x |
| Forward P/E | 19x |
| PEG | 0.52 |