SOFI
SoFi Technologies, Inc.
Other • CIK: 0001818874
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Market Cap
$29.49B
P/E (TTM)
44.8x
Rev Growth (TTM)
+20.8%
Net Margin (TTM)
109.5%
FCF Yield (TTM)
-10.7%
FCF Margin (TTM)
-542.2%
Cash Flow Health
Free Cash Flow1/8 positive
TTM$-3.2B
Q3 '25
$-1.4B+11%
Q2 '25
$-1.5B-4820%
FCF Margin
TTM-542.2%
Q3 '25-871.1%+14%
Sector: 4.1%Below Avg
OCF Margin-504.9%
OCF/NI-4.61x
CapEx Coverage-13.5x
FCF Yield-10.7%
FCF Growth (2Y)–
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Total Shareholder Yield
TTM0.0%
Div Yield0.0%
Insufficient data
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$-3.2B
Capital Return / FCF0.0%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.02x
8Q: 0.02x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Fixed Asset Turn
2.34x
8Q:2.78x
-204.1%
CapEx/Depreciation
0.97x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $584.6M | $156.8M↑3.2% | $151.9M↑8.2% | $140.4M↑3.6% | $135.5M↑3.3% | $131.2M↑8.6% | $120.8M↑4.5% | $115.6M↓0.6% | $116.3M |
Operating Income | $-2.3B | $-647.1M↓11.4% | $-580.8M↓6.4% | $-545.9M↓2.7% | $-531.8M↓7.2% | $-496.0M↓10.0% | $-450.9M↓5.3% | $-428.0M↓8.9% | $-393.0M |
Net Income | $640.2M | $139.4M↑43.3% | $97.3M↑36.8% | $71.1M↓78.6% | $332.5M↑447.3% | $60.7M↑663.7% | $8.0M↓89.8% | $78.0M↑106.7% | $37.7M |
Operating Cash Flow | $-3.0B | $-1.3B↑11.0% | $-1.5B↓6922.2% | $21.5M↑110.7% | $-200.1M↑82.9% | $-1.2B↓142.3% | $-484.4M↓165.6% | $738.2M↑397.8% | $-247.9M |
Free Cash Flow | $-3.2B | $-1.4B↑10.8% | $-1.5B↓4820.5% | $-31.1M↑87.2% | $-242.4M↑80.1% | $-1.2B↓133.5% | $-521.1M↓173.8% | $706.3M↑350.2% | $-282.2M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
44.8x
Volatile
8Q: 198.1x-9409%
Valuation Lenses
Earnings
44.8x
vs – sector
Cash Flow
-4.6x
EV/FCF vs –
Growth-Adj
0.1xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
–
Total Yield
–
Market Cap$29.49B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
27/100
Below Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Below Avg
9.3%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
-4.61x
OCF / Net Income
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
70/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
20.8%
OpInc Growth YoY
-30.4%
EPS Growth YoY
366.7%
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
109.5%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-651.8 pts
FCF: -542.2% | Net: 109.5%
FCF margin lags net margin by 651.8 pts
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $3.75B
Interest Coverage
–
+Net cash position: $3.75B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis