Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
SOFI · Nasdaq · Financial
Fundamental quality
62
out of 100
Sofi Technologies, Inc. grows profitably: it increases revenue at double digits (40.2% a year) without giving up profitability (net margin 94.8%). On fundamental quality it scores 62 out of 100, profiling it as a company of reasonable quality. Its weakest area is its financial strength (FCF margin -1041.3%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
SoFi is a fully digital U.S. bank: lending, banking, investing and cards in one app, aimed at young, higher-income customers. It also sells its banking technology to third parties (Galileo/Technisys).
EPS growth: 0% · Revenue growth: 40.2%
Net margin: 94.8% · ROE: 5.3%
FCF: -1041.3%
Source: SEC EDGAR · TTM through 31/03/2026
The score combines growth, profitability and financial strength. Here its growth weighs in its favor, while its financial strength drags it down the most.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 103 | -224 | -504 | 3,926 |
| 2021 | 248 | -484 | -1,402 | 3,453 |
| 2022 | 377 | -320 | -7,349 | 4,064 |
| 2023 | 421 | -301 | -7,339 | -3,085 |
| 2024 | 503 | 499 | -1,274 | -2,538 |
| 2025 | 619 | 481 | -3,985 | -4,929 |
Between 2020 and 2025, revenue went from $103M to $619M (+499%) and net income went from -$224M to $481M (+315%). It has also reduced its net debt over the period.
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
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Is Sofi Technologies, Inc. cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Sofi Technologies, Inc. a good company to invest in?
In terms of business quality, Sofi Technologies, Inc. scores 62 out of 100 in our analysis, placing it as a company of reasonable quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Sofi Technologies, Inc. a profitable company?
Very. Sofi Technologies, Inc. shows a net margin of 94.8% and an ROE of 5.3%, typical of a highly profitable business.
Is Sofi Technologies, Inc. growing?
Its revenue has grown 40.2% annualized in recent years and its earnings per share 0%, and without interruption since 2020.
Does Sofi Technologies, Inc. generate cash?
Over the last twelve months its free cash flow was negative.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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