SoFi is enjoying strong momentum in its business, with net revenue rising more than 40% to $1.1 billion in the first quarter. As the firm continues to grow, it is scaling deeper into profitability and building competitive barriers around its business.
SoFi's loan platform business saw massive growth in 2025. Demand for SoFi's loans could prove more resilient than expected in the face private credit fears, providing upside to our projections.
Revenue growth has come at the cost of rapid growth in expenses. SoFi could struggle to expand its operating margins without sacrificing growth.
|
Metric
|
SOFI
|
SYF
|
ALLY
|
|---|---|---|---|
Price/Earnings (Normalized) | 39.38 | 7.68 | 10.78 |
Price/Book Value | 2.05 | 1.64 | 1.08 |
Price/Sales | 5.71 | 1.80 | 1.57 |
Price/Cash Flow | 25.64 | 2.70 | 3.27 |
|
Metric
|
SOFI
|
SYF
|
ALLY
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
|
Metric
|
SOFI
|
SYF
|
ALLY
|
|---|---|---|---|
Return on Assets (Normalized) | 1.81% | 3.00% | 0.72% |
Return on Equity (Normalized) | 9.49% | 23.16% | 11.01% |
Return on Invested Capital (Normalized) | — | — | — |
|
1-Day Chart
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Name
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Price
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Morningstar Rating for Stocks
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United States