SoFi Technologies, Inc. (SOFI) Factsheet
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SoFi Technologies, Inc. (SOFI) Stock Analysis
Analysis from 10-Q filed 2025-11-06. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin -160.7%. D/E 0.2x. Source: 10-Q filed 2025-11-06.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | -160.7% | Cash flow pressure |
| Debt/Equity | 0.2x | Conservative leverage |
FCF margin -160.7% — Bottom 10%.
Explore SoFi Technologies, Inc.: Earnings History | Filings
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for SOFI: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: SoFi Technologies, Inc. earns N/A ROIC
ROIC TTM N/A, sector median 3.3%. Source: 10-Q filed 2025-11-06.
| Metric | SOFI | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 3.3% |
| Return on Equity (ROE) | 6.6% | Warning | Moderate equity returns |
Cash Flow: SoFi Technologies, Inc. generates $-6.3B FCF at -160.7% margin, positive NaN/8 quarters
FCF TTM $-6.3B. FCF margin -160.7%. OCF/Net income -10.5x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-11-06.
| Metric | SOFI | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | -160.7% | Red flag | Thin cash margins |
| Free Cash Flow (TTM) | $-6.3B | Red flag | Cash burn |
| OCF/Net Income | -10.5x | Warning | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: SoFi Technologies, Inc. at 0.2x leverage
Debt/Equity 0.2x. Net cash $1.6B. Source: 10-Q filed 2025-11-06.
| Metric | SOFI | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.2x | Excellent | Conservative capital structure |
| Net Cash Position | $1.6B | Excellent | Net cash positive |
Valuation: SoFi Technologies, Inc. trades at 31.4x earnings
P/E 31.4x. EV/Sales 6.1x. FCF yield -35.0%. Source: 10-Q filed 2025-11-06.
| Metric | SOFI | Rating | Context |
|---|---|---|---|
| P/E Ratio | 31.4x | Adequate | Premium valuation |
| EV/Sales | 6.1x | Adequate | Growth premium priced in |
| FCF Yield | -35.0% | Warning | Lower cash yield |
Capital Allocation: SoFi Technologies, Inc. returns 0.0% shareholder yield
Total shareholder yield 0.0%. Capital returned $0 TTM. Source: 10-Q filed 2025-11-06.
| Metric | SOFI | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 0.0% | Warning | Dividend + buyback yield combined |
| Total Capital Returned (TTM) | $0 | Adequate | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | -160.7% | Bottom 10% | - |
| Return on Equity (ROE) | 6.6% | Top 50% | 1.2x above |
| P/E Ratio | 31.4x | N/A | - |
Financial Scorecard
| Metric | SOFI | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | -160.7% | Red flag | Thin cash margins |
| Debt to Equity Ratio | 16.4% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 31.4x | Adequate | Growth premium |
| Free Cash Flow Yield | -35.0% | Red flag | Growth-focused valuation |
Frequently Asked Questions
Q: What is SoFi Technologies, Inc.'s Return on Invested Capital (ROIC)?
SoFi Technologies, Inc. (SOFI) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 3.3%. Source: 10-Q filed 2025-11-06.
Q: What is SoFi Technologies, Inc.'s Free Cash Flow Margin?
SoFi Technologies, Inc. (SOFI) has a free cash flow margin of -160.7%, generating $-6.3 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-11-06.
Q: What is SoFi Technologies, Inc.'s P/E ratio and how does it compare to peers?
SoFi Technologies, Inc. (SOFI) trades at a P/E ratio of 31.4x, which is above the sector median of N/A. EV/Sales 6.1x. Source: 10-Q filed 2025-11-06.
Q: What is SoFi Technologies, Inc.'s revenue and earnings growth?
SoFi Technologies, Inc. (SOFI) grew revenue by 40.7% year-over-year. EPS +6.3% YoY. Source: 10-Q filed 2025-11-06.
Q: How does SoFi Technologies, Inc. compare to competitors in Other?
Compared to other companies in Other, SoFi Technologies, Inc. (SOFI) shows: ROIC N/A, sector median 3.3% (NaNx). FCF margin -160.7%, sector median 0.0%. These rankings are based on MetricDuck's analysis of all Other companies with available SEC filings.
Q: What warning signs should I watch for with SoFi Technologies, Inc.?
Quantitative warning flags for SoFi Technologies, Inc. (SOFI): 1) FCF margin -160.7% (below 5%). Source: 10-Q filed 2025-11-06.
Data Source: Data sourced from 10-Q filed 2025-11-06. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.