SoFi Technologies Inc.

α : -14.55

Ticker: SOFI.US

Fundamental α

i
Weighted: -17.3
Layer / Ratio / Statistic TTM PY1 PY2
Overall Composite Score -17.4 -16.6 -18.0
Income Statement Composite 2.8 3.1 2.0
↳ 3-Year Revenue CAGR
↳ Capped Z-Score 1.46
↳ Sector Median Analytics
↳ Gross Margin
↳ Capped Z-Score 0.91 0.63 0.65
↳ Sector Median Analytics
↳ Operating Margin
↳ Capped Z-Score -0.48 -0.40 -0.72
↳ Sector Median Analytics
↳ Net Profit Margin
↳ Capped Z-Score -0.36 0.11 -0.68
↳ Sector Median Analytics
Cash Flow Composite -14.5 -15.3 -15.3
↳ 3-Year OCF CAGR
↳ Capped Z-Score -0.67
↳ Sector Median Analytics
↳ Operating Cash Flow Margin
↳ Capped Z-Score -2.82 -3.47 -3.50
↳ Sector Median Analytics
↳ Free Cash Flow Margin
↳ Capped Z-Score -3.38 -3.50 -3.50
↳ Sector Median Analytics
Balance Sheet Composite -5.7 -4.4 -4.6
↳ Return on Assets
↳ Capped Z-Score -0.63 -0.64 -0.49
↳ Sector Median Analytics
↳ Capital Intensity Ratio
↳ Capped Z-Score -0.74 -1.12 -0.96
↳ Sector Median Analytics
↳ Asset Turnover
↳ Capped Z-Score -1.51 -1.27 -0.98
↳ Sector Median Analytics
↳ Equity Multiplier
↳ Capped Z-Score 3.50 3.50 3.22
↳ Sector Median Analytics
↳ Return on Equity
↳ Capped Z-Score -0.81 -0.28 -0.64
↳ Sector Median Analytics
↳ Return on Invested Capital (ROIC)
↳ Capped Z-Score -0.99 -0.85 -0.68
↳ Sector Median Analytics

Market α

i
Weighted: -0.7
Certain Market alpha components limited due to negative cash flows.
Metric/Statistic Ticker Value
Market Valuation Composite 0.0
↳ Trailing P/E
z
↳ Sector Median
↳ Forward P/E
z
↳ Sector Median
↳ PEG Ratio
z
↳ Sector Median
↳ EV/EBITDA
z
↳ Sector Median
↳ EV/Revenue
z
↳ Sector Median
↳ Potential Upside/(Downside) - Street Estimate
z
↳ Sector Median
Relative (Discount)/ Premium - Operations
i
↳ Actual Enterprise Value/Invested Capital:
↳ Predicted EV/Invested Capital:
↳ Fundamental Surplus:
Implied FCFF Growth Rate CURRENT
i
↳ Weighted Historic FCFF Growth:
↳ Sector Median FCFF Growth:
↳ FCFF Growth Surplus:
i
↳ FCFF Growth Surplus z-score:
z
Implied FCFE Growth Rate CURRENT
i
↳ Weighted Historic FCFE Growth:
↳ Sector Median FCFE Growth:
↳ FCFE Growth Surplus:
i
↳ FCFE Growth Surplus z-score:
z
WACC
i
↳ Cost/Weight of Equity:
↳ Cost/Weight of Debt:

Company Profile & Operations

Visit Corporate Website

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It 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; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. 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.