# SoFi Technologies Inc. Common Stock (SOFI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $18.22, market value $23.5 billion.

## Valuation
- **P/E (trailing): 37.2×** (5-yr avg 53.3×, 3-yr avg 53.3×). SoFi Technologies Inc. Common Stock trades at 37.2× 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 22.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 14.0×**. Each dollar of revenue is priced at 14.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -37.4%** (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: 2.7%**. The inverse of the P/E: 2.7% 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: 1/9**. 1 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. Common Stock does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (21 analysts). 21 analysts cover SoFi Technologies Inc. Common Stock; the consensus is hold, with an average price target of $20.26 (+11% 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): -28.2%** (YTD -30.4%, 3-mo 13.7%). The shares are down 28.2% over twelve months including dividends.
- **From 52-week high: -44.3%** (22.4% above the low). Trading 44% 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): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 2.79** (volatility 57%). Beta of 2.79 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.