# SoFi Technologies Inc. (SOFI) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $16.77, market value $21.7 billion.

## Valuation
- **P/E (trailing): 30.5×** (5-yr avg 53.3×, 3-yr avg 53.3×). SoFi Technologies Inc. trades at 30.5× trailing earnings, well below its own five-year average of 53.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 18.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 13.0×**. Each dollar of revenue is priced at 13.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -40.4%** (5-yr avg -58.3%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 3.3%**. The inverse of the P/E: 3.3% of the price is earned each year.

## Profitability
- **Net margin: 77.7%**. 77.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 4.6%**. 4.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 23.1%** (3-yr 18.0%/yr, 5-yr 43.1%/yr). Revenue grew 23.1% over the last year, against 43.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 0.0%**. Earnings per share rose 0.0%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $4.9 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. SoFi Technologies Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (23 analysts). 23 analysts cover SoFi Technologies Inc.; the consensus is hold, with an average price target of $20.75 (+24% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -44.1%** (YTD -36.6%, 3-mo -7.9%). The shares are down 44.1% over twelve months including dividends.
- **From 52-week high: -48.8%** (21.0% above the low). Trading 49% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 2.73** (volatility 56%). Beta of 2.73 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SOFI · Page: https://foliofundamentals.com/stocks/sofi

Not investment advice.