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SoFi Technologies Inc Ordinary Shares SOFI

Morningstar Rating
$8.58 −0.41 (4.56%)
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Company Report

SoFi's Unique Model for Personal Finance and Rising Deposits Drives Strong Growth

SoFi Technologies targets young, high-income individuals who may be underserved by traditional full-service banks. The company is purely digital and engages with its clients exclusively through its mobile app and website. Unlike existing digital banks, which generally have limited product offerings, SoFi offers a full suite of financial services and products including everything from student loans to estate planning. The intent is that this will allow its customers to structure the entirety of their finances around SoFi. By acting as a one-stop shop for its customers' finances, SoFi intends to create powerful cross-selling advantages that will reduce its cost of acquisition.

Price vs Fair Value

SOFI is trading at a 39% discount.
Price
$8.58
Fair Value
$93.00
Uncertainty
Very High
1-Star Price
$45.30
5-Star Price
$5.00
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

SoFi has rapidly launched an impressive array of products and services, and it remains the only firm offering a digital full-service model.

Bears

Revenue growth has come at the cost of rapid growth in expenses. SoFi remains unprofitable.

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News

Trading Information

Previous Close Price
$8.99
Day Range
$8.579.13
52-Week Range
$4.4511.70
Bid/Ask
$8.45 / $8.46
Market Cap
$8.38 Bil
Volume/Avg
265,347 / 44.4 Mil

Key Statistics

Price/Earnings (Normalized)
Price/Sales
3.85
Dividend Yield (Trailing)
Dividend Yield (Forward)
Total Yield

Company Profile

SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Core
Total Number of Employees
4,400

Competitors

Valuation

Metric
SOFI
SYF
DFS
Price/Earnings (Normalized)
7.8410.67
Price/Book Value
1.601.262.18
Price/Sales
3.851.261.92
Price/Cash Flow
1.933.60
Price/Earnings
SOFI
SYF
DFS

Financial Strength

Metric
SOFI
SYF
DFS
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
SOFI
SYF
DFS
Return on Assets (Normalized)
−0.21%2.06%2.12%
Return on Equity (Normalized)
−1.03%17.90%22.27%
Return on Invested Capital (Normalized)
Return on Assets
SOFI
SYF
DFS
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