SoFi Technologies Inc. (SOFI)$15.62
Market Cap: 14.20 BCurrency: USD
Research Snapshot
Static fundamentals, valuation context, and investor signals for SoFi Technologies Inc. (SOFI).
FINANCIAL
CREDIT SERVICES
DCF ready
Valuation
-2.3x
EV/FCF, N/A FCF yield
Quality
4.6%
ROIC, -643.4% FCF margin
Growth
43.1%
5Y sales (revenue) CAGR
Balance sheet
0.0x
Debt/equity, N/A current ratio
Superinvestors
2
Top: Samantha McLemore (0.8%)
Strengths to research
- Revenue compounded at 43.1% over five years.
- Debt/equity looks manageable at 0.0x.
Watchouts
- P/E is elevated at 40.1x.
- Free cash flow margin is negative at -643.4%.
Annual data: 7 periods
Quarterly data: 23 periods
Stock snapshot: May 25, 2026
Static dataset: May 25, 2026
Quality Scorecard
Build-time composite score for SOFI.
Grade D
27
/ 100
Peer Comparison
Target stock against 7 market-cap comparable peers.
Heat map: red worst to green best
| SOFI Target | SoFi Technologies Inc. | $14.2B | 40.1x | -2.3x | 4.6% | 43.1% | -643.4% | N/A | N/A | N/A |
| ALLY | Ally Financial Inc. | $10.1B | 17.9x | 4.6x | 2.6% | 10.6% | 299.8% | N/A | N/A | N/A |
| SYF | Synchrony Financial | $20.6B | 7.7x | 2.1x | 11.1% | N/A | N/A | N/A | N/A | N/A |
| CACC | Credit Acceptance Corp. | $5.8B | 15.0x | 5.5x | 0.0% | 6.8% | 45.4% | N/A | N/A | N/A |
| OMF | OneMain Holdings | $5.8B | 8.2x | 8.8x | 3.0% | N/A | N/A | N/A | N/A | N/A |
| PYPL | PayPal Holdings Inc. | $66.7B | 8.2x | 10.5x | 25.8% | 9.1% | 16.8% | N/A | -1.1x | N/A |
| COF | Capital One Financial | $72.0B | 46.6x | 0.4x | 2.2% | 16.6% | 324.2% | N/A | N/A | N/A |
| BFH | Bread Financial Holdings Inc. | $2.3B | 8.0x | 1.4x | 6.8% | N/A | N/A | N/A | N/A | N/A |
Financial Charts
No financial data available for SOFI (annual).
2 superinvestors own SOFI
Current quarter ownership and quarter-over-quarter share changes.
Superinvestor ownership
| Fund | Shares | Value | % Portfolio | QoQ Change |
|---|---|---|---|---|
| Samantha McLemore Patient Capital Management | 1,326,246 | $21M | 0.79% | 0.0% |
| Polen Capital Management Polen Capital Management | 103,345 | $2M | 0.01% | 0.0% |