📊 SOFI Key Takeaways
Is SoFi Technologies, Inc. (SOFI) a Good Investment?
SoFi faces severe financial distress despite positive net income, evidenced by a catastrophic 72% revenue decline, negative operating cash flow of -$3.7B, and critically low liquidity (0.15x current ratio). The disconnect between reported profitability (77.7% net margin) and negative cash generation suggests unsustainable accounting results, while ROE and ROA metrics indicate poor capital efficiency and value destruction.
Why Buy SoFi Technologies, Inc. Stock? SOFI Key Strengths
- Positive net income of $481.3M provides some earnings foundation
- Low debt-to-equity ratio of 0.17x limits financial leverage risk
- Adequate absolute cash reserves of $4.9B provide short-term runway
SOFI Stock Risks: SoFi Technologies, Inc. Investment Risks
- Revenue collapsed 72% YoY, indicating severe business deterioration or major segment exit
- Operating cash flow of -$3.7B is unsustainable and will deplete cash reserves rapidly at current burn rate
- Current ratio of 0.15x represents liquidity crisis; company cannot meet short-term obligations
- Negative free cash flow of -$4.0B combined with ongoing CapEx of $242.4M shows cash burn despite profitability
- ROE of 4.6% and ROA of 1.0% indicate severe capital inefficiency and shareholder value destruction
- Profitability metrics appear disconnected from cash generation, suggesting accounting adjustments rather than real earnings
Key Metrics to Watch
- Operating cash flow trend and return to positive cash generation
- Quarterly revenue stabilization and growth inflection
- Current ratio improvement above 0.5x minimum threshold
- Cash depletion rate and runway remaining at current burn rate
SoFi Technologies, Inc. (SOFI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SOFI Profit Margin, ROE & Profitability Analysis
SOFI vs Finance Sector: How SoFi Technologies, Inc. Compares
How SoFi Technologies, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is SoFi Technologies, Inc. Stock Overvalued? SOFI Valuation Analysis 2026
Based on fundamental analysis, SoFi Technologies, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
SoFi Technologies, Inc. Balance Sheet: SOFI Debt, Cash & Liquidity
SOFI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: SoFi Technologies, Inc.'s revenue has grown significantly by 150% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.36 indicates the company is currently unprofitable.
SOFI Revenue Growth, EPS Growth & YoY Performance
SOFI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $131.2M | $60.7M | $0.05 |
| Q2 2025 | $120.8M | $17.4M | $0.01 |
| Q1 2025 | $115.6M | $71.1M | $0.02 |
| Q3 2024 | $104.9M | $60.7M | $0.05 |
| Q2 2024 | $104.7M | $17.4M | $0.01 |
| Q1 2024 | $95.5M | -$34.4M | $0.02 |
| Q3 2023 | $102.0M | -$74.2M | $-0.09 |
| Q2 2023 | $98.4M | -$47.5M | $-0.06 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
SoFi Technologies, Inc. Dividends, Buybacks & Capital Allocation
SOFI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for SoFi Technologies, Inc. (CIK: 0001818874)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775174151.xml | View → |
| Mar 20, 2026 | 4 | xslF345X06/wk-form4_1774046010.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773879399.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773879393.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773879387.xml | View → |
❓ Frequently Asked Questions about SOFI
What is the AI rating for SOFI?
SoFi Technologies, Inc. (SOFI) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SOFI's key strengths?
Claude: Positive net income of $481.3M provides some earnings foundation. Low debt-to-equity ratio of 0.17x limits financial leverage risk.
What are the risks of investing in SOFI?
Claude: Revenue collapsed 72% YoY, indicating severe business deterioration or major segment exit. Operating cash flow of -$3.7B is unsustainable and will deplete cash reserves rapidly at current burn rate.
What is SOFI's revenue and growth?
SoFi Technologies, Inc. reported revenue of $619.4M.
Does SOFI pay dividends?
SoFi Technologies, Inc. does not currently pay dividends.
Where can I find SOFI SEC filings?
Official SEC filings for SoFi Technologies, Inc. (CIK: 0001818874) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SOFI's EPS?
SoFi Technologies, Inc. has a diluted EPS of $0.39.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SOFI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, SoFi Technologies, Inc. has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SOFI stock overvalued or undervalued?
Valuation metrics for SOFI: ROE of 4.6% (sector avg: 12%), net margin of 77.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SOFI stock in 2026?
Our dual AI analysis gives SoFi Technologies, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SOFI's free cash flow?
SoFi Technologies, Inc.'s operating cash flow is $-3.7B, with capital expenditures of $242.4M. FCF margin is -643.4%.
How does SOFI compare to other Finance stocks?
Vs Finance sector averages: Net margin 77.7% (avg: 25%), ROE 4.6% (avg: 12%), current ratio 0.15 (avg: 1.2).