SoFi Technologies, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Discover Financial Services

SoFi Technologies, Inc.

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Why is SoFi Technologies, Inc. ?

Strong Long Term Fundamental Strength with a 46.90% CAGR growth in Operating Profits

Healthy long term growth as Net Sales has grown by an annual rate of 56.29% and Operating profit at 46.90%

With a growth in Operating Profit of 75.7%, the company declared Very Positive results in Dec 25

The company has declared positive results for the last 10 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 1,525.44 MM
NET SALES(Q) Highest at USD 1,335.19 MM
INTEREST COVERAGE RATIO(Q) The company hardly has any interest cost

High Institutional Holdings at 57.38%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 41.42% in the last 1 year, much higher than market (S&P 500) returns of 14.90%

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to SoFi Technologies, Inc. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is SoFi Technologies, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

SoFi Technologies, Inc.

41.42%

2.32

60.63%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

56.29%

EBIT Growth (5y)

46.90%

EBIT to Interest (avg)

-0.15

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

57.38%

ROCE (avg)

12.56%

ROE (avg)

1.67%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.14

EV to EBIT

25.43

EV to EBITDA

18.87

EV to Capital Employed

3.34

EV to Sales

3.59

PEG Ratio

Dividend Yield

ROCE (Latest)

13.12%

ROE (Latest)

4.59%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 1,525.44 MM

NET SALES(Q)

Highest at USD 1,335.19 MM

INTEREST COVERAGE RATIO(Q)

The company hardly has any interest cost

PRE-TAX PROFIT(Q)

Highest at USD 185.33 MM

RAW MATERIAL COST(Y)

Fallen by -5.46% (YoY

CASH AND EQV(HY)

Highest at USD 9,109.8 MM

DEBT-EQUITY RATIO (HY)

Lowest at -32.75 %

DEBTORS TURNOVER RATIO(HY)

Highest at 81.03 times

-2What is not working for the Company

NET PROFIT(Q)

At USD 173.55 MM has Fallen at -47.8%

Here's what is working for SoFi Technologies, Inc.

Pre-Tax Profit

At USD 185.33 MM has Grown at 209.28%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Operating Cash Flow

Highest at USD 1,525.44 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 1,335.19 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 185.33 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Sales

At USD 1,335.19 MM has Grown at 32.47%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 9,109.8 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Debt-Equity Ratio

Lowest at -32.75 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Debtors Turnover Ratio

Highest at 81.03 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by -5.46% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Depreciation

Highest at USD 62.88 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for SoFi Technologies, Inc.

Net Profit

At USD 173.55 MM has Fallen at -47.8%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)