SoFi Technologies Salute del bilancio
Criteri Salute finanziaria verificati 4/6
SoFi Technologies ha un patrimonio netto totale di $10.8B e un debito totale di $1.8B, che porta il suo rapporto debito/patrimonio netto a 16.8%. Le sue attività totali e le sue passività totali sono rispettivamente $53.7B e $42.9B.
Informazioni chiave
16.79%
Rapporto debito/patrimonio netto
US$1.82b
Debito
| Indice di copertura degli interessi | n/a |
| Contanti | US$3.56b |
| Patrimonio netto | US$10.81b |
| Totale passività | US$42.89b |
| Totale attività | US$53.70b |
Aggiornamenti recenti sulla salute finanziaria
Nessun aggiornamento
Recent updates
Seeking Alpha • May 18
SoFi: Lackluster Fundamentals And Tough Valuations Vs Oversold Stock
Summary SoFi’s loan originations are growing rapidly, but higher-for-longer rates and new student loan rules threaten the sustainability of refinancing-led growth. SoFi’s liability-sensitive balance sheet means rising or sticky rates can compress net interest margins as funding costs reset faster than loan yields. The current share price embeds an implied 5-year earnings CAGR around 42%, far above SoFi’s recent sub-20% profit growth. Bearish momentum remains on the chart, but price is approaching a key monthly demand zone where selling pressure appears to be slowing. Read the full article on Seeking Alpha
Aggiornamento della narrazione • May 14
SOFI: Stablecoin And Business Banking Expansion Will Drive Future Earnings Quality Reassessment
Analysts have reduced the SoFi Technologies fair value estimate from $37.63 to $31.00, reflecting updated assumptions for slightly lower revenue growth, more modest profit margins, a lower future P/E multiple, and a wave of recent price target cuts across Wall Street research. Analyst Commentary Recent Street research around SoFi Technologies has leaned heavily toward lower price targets, with multiple firms trimming their expectations by amounts ranging from US$1 to US$10.
Nuova narrazione • May 02
Why is SoFi a company of the future?
Sofi Technologies (SOFI) — investors.sofi.com — is rightfully considered one of the key contenders for a spot in the "portfolio of the future." In April 2026, the company is demonstrating a transition from a stage of aggressive growth to a stage of scalable profitability, making it a unique hybrid of a bank and a technology platform. Why is SoFi a company of the future?
Nuova narrazione • Apr 30
SOFI: Record Everything, Down 13%—The Galileo Wound, the Muddy Waters Shadow, and a Business Growing Too Fast for Its Own Stock Price
A Digital Bank That Keeps Delivering Records and Keeps Getting Punished for It SoFi Technologies, Inc. (NASDAQ: SOFI) is a San Francisco-based digital financial services company that has spent the past four years executing one of the most ambitious transformations in fintech history—evolving from a student loan refinancing niche lender into what CEO Anthony Noto describes as the one-stop shop for digital financial services.Aggiornamento della narrazione • Apr 29
SOFI: Stablecoin Partnership Will Support Future Platform And Earnings Quality Reassessment
SoFi Technologies' updated analyst price target edges down by about $0.40 to roughly $37.63. This reflects analysts' recent shift toward slightly higher discount rates and marginally lower future P/E assumptions, even as revenue growth and profit margin inputs remain broadly similar.Aggiornamento della narrazione • Apr 14
SOFI: Stablecoin And Big Business Banking Expansion Will Support Future Platform Profitability
SoFi Technologies' updated analyst price target reflects a modest reset, with recent cuts of $1 to $10 by several firms tied to questions around loan growth quality, stablecoin risks, and the impact of short seller scrutiny, even as some analysts highlight potential benefits from new partnerships and traction in Big Business Banking. Analyst Commentary Recent research shows a mix of caution and optimism around SoFi Technologies, with some firms trimming price targets while others point to potential upside tied to execution in key growth areas and new product initiatives.Aggiornamento della narrazione • Mar 31
SOFI: Stablecoin Partnership Will Support Future Platform Profitability Despite Short Seller Pressure
Analysts have trimmed SoFi Technologies' average price target by single digits, typically by $0.50 to $7, as they balance concerns raised in recent short reports and target cuts with more supportive views around the bank's stablecoin partnership, prior upgrades, and the unchanged $38 fair value in this model. Analyst Commentary Street research on SoFi Technologies has been mixed, but there is a clear pocket of optimism where bulls are leaning into execution on growth initiatives, capital flexibility, and product expansion.Aggiornamento della narrazione • Mar 17
SOFI: Stablecoin Partnership And Capital Raises Will Support Future Platform Profitability
Analysts kept their SoFi Technologies fair value estimate steady at $38.00, while slightly adjusting assumptions around the discount rate, revenue growth, profit margin, and future P/E to reflect a mix of cautious price target revisions and optimism around the SoFiUSD stablecoin partnership with MasterCard and recent upgrade activity. Analyst Commentary Recent Street research around SoFi Technologies reflects a mix of caution and optimism, with the SoFiUSD partnership and ongoing execution as key talking points.
Nuova narrazione • Mar 09
SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System
1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.
Aggiornamento della narrazione • Mar 03
SOFI: Elevated Multiple Could Struggle To Absorb Recent Equity Issuance
Our updated SoFi Technologies narrative lifts fair value from $8.92 to $12.37, as analysts factor in a slightly lower discount rate, more moderate revenue growth of 15.54%, a higher projected profit margin of 23.47%, and a recalibrated future P/E of 18.66x following a mixed set of recent target changes and rating shifts across the Street. Analyst Commentary Street research on SoFi Technologies over the past few months reflects a mixed but engaged view from major firms.Aggiornamento della narrazione • Feb 17
SOFI: Recent Capital Raises Will Support Future Platform And Lending Profitability
Analysts maintained their SoFi Technologies fair value target at $38.00 and updated their models to incorporate revised views on revenue growth, profitability, and future P/E. They cited a combination of recent upgrades, price target adjustments, and differing opinions on how SoFi's capital raises and loan growth outlook may affect the company.Nuova narrazione • Feb 14
SoFi Technologies will ride a 33% revenue growth wave in the next 5 years
Analyzing SoFi’s valuation requires looking at its transition from a high-growth fintech disruptor to a diversified, profitable financial powerhouse. Based on recent 2026 data and long-term analyst projections, here is a breakdown of where the business is headed.Articolo di analisi • Feb 13
SoFi Technologies, Inc.'s (NASDAQ:SOFI) Stock Retreats 29% But Earnings Haven't Escaped The Attention Of Investors
SoFi Technologies, Inc. ( NASDAQ:SOFI ) shareholders that were waiting for something to happen have been dealt a blow...
Aggiornamento della narrazione • Feb 03
SOFI: Fresh Capital Raises Will Shape Future Loan Platform Maturity
Analysts now peg their fair value estimate for SoFi Technologies at $26.75, down slightly from $27.15. This reflects lower Street price targets even as they factor in higher projected revenue growth, stronger profit margins, and a more conservative future P/E multiple.Aggiornamento della narrazione • Jan 20
SOFI: Capital Raises And Capital Light Lending Will Drive Future Profitability
Narrative Update Analysts have modestly lifted their average price target on SoFi Technologies to US$28. The shift is supported by recent research that highlights stronger than expected Q3 results, ongoing capital raises to support growth, and mixed views on the stock's current valuation multiple.Aggiornamento della narrazione • Jan 06
SOFI: Capital Light Loan Platform And Stablecoin Launch Will Drive Profitability
Analysts have nudged their average price targets on SoFi Technologies higher into a mid to high $20s range, citing stronger than expected Q3 results, faster scaling in the capital light loan platform business, and updated revenue and earnings assumptions that still factor in a potential slowdown against tougher comparisons. Analyst Commentary Street research on SoFi Technologies has turned more constructive overall, with several bullish analysts lifting their valuation frameworks following the latest Q3 report.Aggiornamento della narrazione • Dec 30
SoFi Stock: When a Fintech Starts Behaving Like a Platform Bank
SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth, but balance-sheet ownership.Aggiornamento della narrazione • Dec 20
SOFI: Capital Light Loan Platform Is Expected To Drive Higher Profitability
Analysts have lifted their fair value estimate for SoFi Technologies by $8.00 to $38.00 per share, citing stronger than expected Q3 results, accelerating growth and scalability in the capital light loan platform business, and improving long term profitability assumptions, despite some peers tempering outer year forecasts. Analyst Commentary Bullish analysts broadly view SoFi's latest quarter as a validation of its strategy, highlighting the combination of strong operating execution, scalable capital light businesses, and improving profitability that supports higher valuation levels.Aggiornamento della narrazione • Dec 06
SOFI: Loan Platform Maturity And Easing Rates Will Shape Future Performance
The analyst-derived fair value estimate for SoFi Technologies has inched higher to approximately $27 from about $26.6, as analysts point to stronger-than-expected Q3 execution, improving key performance indicators, and a higher justified earnings multiple despite some moderation in longer-term growth assumptions. Analyst Commentary Street research on SoFi following the Q3 print is broadly constructive, but not uniformly so, resulting in a clustered set of targets in the high teens to high 30s and a mix of Buy, Neutral, and Underperform stances.Aggiornamento della narrazione • Nov 22
SOFI: Lending Platform Expansion And Interest Rate Trends Will Guide Balanced Performance
Analysts have increased their price target for SoFi Technologies from $26.03 to $26.61. They cite improved loan platform scalability, robust quarterly results, and a slightly lower discount rate that supports a higher valuation.Aggiornamento della narrazione • Nov 07
SOFI: Lending Momentum And Platform Expansion Will Support Balanced Long-Term Performance
Analysts have raised their price target for SoFi Technologies from approximately $22.81 to $26.03. They cite stronger profit margins and continued momentum in the company’s lending and platform businesses as key drivers for their more positive outlook.Aggiornamento della narrazione • Nov 04
SoFi’s Growth Engine Powers Ahead
SoFi Stock: Explosive Growth, Real Profits SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor — it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million , up 38% year-over-year , and adjusted net revenue of $950 million.Aggiornamento della narrazione • Oct 24
Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward
Analysts have raised their fair value estimate for SoFi Technologies from $22.08 to $22.81. This change reflects upward revisions based on expectations of stronger profit margins, modestly higher revenue growth, and improved sector sentiment as a result of lower interest rates and resilient credit performance.Aggiornamento della narrazione • Oct 10
Digital Transformation In Banking And AI Will Yield Mixed Results
SoFi Technologies’ fair value estimate has increased from $21.28 to $22.08, as analysts point to improved credit performance, rising growth projections, and an enhanced outlook in light of the sector’s favorable interest rate trends. Analyst Commentary Recent research notes continue to reflect a dynamic outlook for SoFi Technologies, with both bullish and cautious perspectives influencing fair value estimates and market sentiment.Aggiornamento della narrazione • Sep 26
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts have modestly raised SoFi’s price target to $21.28, citing anticipated interest rate cuts, improved digital lending trends, and upcoming product launches—though some caution remains on valuation relative to fundamentals. Analyst Commentary Bullish analysts are increasing price targets due to anticipated interest rate cuts, which are expected to benefit bank processors, lenders, and exchanges, notably improving SoFi's forward outlook and justifying higher valuation multiples.Aggiornamento della narrazione • Sep 11
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts raised SoFi Technologies’ price target to $21.00, citing improved digital lending conditions, new revenue streams from crypto and student lending, and a stronger balance sheet, although some warn current valuation may be stretched. Analyst Commentary Improved funding availability and lower costs in digital lending markets are expected to drive stronger lending growth, with potential for additional upside if interest rate cuts occur.Aggiornamento della narrazione • Aug 27
Digital Transformation In Banking And AI Will Yield Mixed Results
Analysts have raised SoFi Technologies' price target to $20.78, citing optimism about new revenue streams from product diversification, improved sector trends, and a stronger balance sheet, though some caution that the stock may be fairly valued following its recent rally. Analyst Commentary Product diversification, particularly expanding into a crypto trading platform and student lending following new legislation, is seen as a key growth driver and revenue catalyst.Aggiornamento della narrazione • Aug 06
Digital Transformation In Banking And AI Will Yield Mixed Results
SoFi Technologies' consensus price target has increased, primarily reflecting improved net profit margins, although a higher discount rate partially offsets this, resulting in a new analyst price target of $20.11. What's in the News SoFi completed a $1.5 billion follow-on equity offering of common stock at $20.85 per share, with Citigroup and Mizuho added as co-lead underwriters.Seeking Alpha • Apr 28
SoFi Technologies Q1 Preview: Student Loan Boom
Summary SoFi's shares have outperformed the market, driven by regulatory changes and resumption of student loan payments, making it a strong buy heading into earnings. The fintech bank's multi-segment platform and cross-selling opportunities position it for significant growth, especially with the end of the student loan payment moratorium. SoFi is expected to report strong Q1 earnings, with significant year-over-year growth in both EPS and revenue, driven by increased student loan refinancing demand. Despite valuation concerns, SoFi's impressive revenue growth and profitability acceleration justify a premium, with potential for further upside if the stock re-rates. Read the full article on Seeking AlphaSeeking Alpha • Apr 19
SOFI: Why I Loaded Up More Shares
Summary SoFi secured $3.2B in new loan funding, bringing its total third-party capital commitments to over $5B. Non-lending segments drove 47% of 2024 revenue, up from 38% in 2023, accelerating SoFi’s platform transformation. The company generated $67M in fee income from $2.1B of LPB-originated loans, without holding credit risk. SoFi reported $666M in adjusted EBITDA for 2024, a 26% margin, with strong contribution from capital-light segments. EPS is projected to double from $0.25 in 2025 to $0.50 in 2026, supporting a $12–$20/share valuation range. Read the full article on Seeking AlphaSeeking Alpha • Apr 08
SoFi Technologies: Buy And Hold The First Fintech Super-App
Summary SoFi’s ecosystem unlocks high LTV via product depth, data leverage, and network effects—clear moat forming in digital banking. Market is mispricing forward growth; 5x sales on 2025–2026 revs implies $14–$16/share. Macro risk caps near-term re-rating, but optionality is strong if policy stabilizes and rates ease by mid-2026. Read the full article on Seeking AlphaSeeking Alpha • Apr 01
SoFi Technologies: Be Greedy When Others Are Fearful
Summary SoFi Technologies stock has surged ~32% since late February 2024, outperforming the S&P 500 index despite recent market dips. SOFI's impressive growth in membership and product additions, coupled with a shift towards a fee-based revenue model, supports its valuation and GARP status. The firm's strong EPS growth, margin expansion, and optimistic management guidance suggest a potential fair value of ~$14/share, offering an 18% upside. Risks include macroeconomic influences and potential policy shifts, which could impact SOFI's lending business and valuation assumptions, making the stock vulnerable in a recession. Read the full article on Seeking AlphaSeeking Alpha • Mar 22
SoFi Technologies: Don't Let This Steep Selloff Go To Waste (Rating Upgrade)
Summary SoFi Technologies investors were reminded of why investing in SOFI isn't for the faint-hearted, as they endured a 40% plunge from recent highs. SoFI investors need to navigate economic uncertainties, while seeking to benefit from the deregulatory agenda of the Trump administration. Despite that, SOFI's previous earnings multiples showed why overstating the bullish case isn't astute. However, bearish investors must also reconsider their pessimistic overtures on SOFI, as the stock seems to have struck a bottom recently. I argue why investors who bided their time patiently for this opportunity shouldn't let the selloff go to waste. Read the full article on Seeking AlphaSeeking Alpha • Mar 15
SoFi: Student Loan Changes Are Good
Summary SoFi Technologies has shown strong performance, with shares up 8% since October, outperforming the S&P 500, which is down nearly 5%. The company has achieved multiple GAAP-profitable quarters and a full year of GAAP net income in 2024, indicating sustainable, long-term profitability. SoFi's customer base is growing rapidly, with a 34% year-over-year membership increase and 40% of new members adopting a second product within 30 days. Despite a recent pullback in shares, SoFi's robust revenue and EPS growth, along with favorable regulatory changes. I think this presents a prime buying opportunity for long-term investors. Read the full article on Seeking AlphaAnalisi della posizione finanziaria
Passività a breve termine: Le attività a breve termine ( $46.2B ) di SOFI superano le sue passività a breve termine ( $41.4B ).
Passività a lungo termine: Le attività a breve termine di SOFI ( $46.2B ) superano le sue passività a lungo termine ( $1.5B ).
Storia e analisi del rapporto debito/patrimonio netto
Livello di debito: SOFI ha più liquidità del suo debito totale.
Riduzione del debito: Il rapporto debito/patrimonio netto di SOFI si è ridotto da 131% a 16.8% negli ultimi 5 anni.
Copertura del debito: Il flusso di cassa operativo di SOFI è negativo, pertanto il debito non è ben coperto.
Copertura degli interessi: Dati insufficienti per determinare se i pagamenti degli interessi sul debito di SOFI siano ben coperti dall'EBIT.
Bilancio
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Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/21 14:31 |
| Prezzo dell'azione a fine giornata | 2026/05/21 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
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| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
SoFi Technologies, Inc. è coperta da 31 analisti. 20 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Terry Ma | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |
| Mihir Bhatia | BofA Global Research |