📊 SOFI Key Takeaways
Is SoFi Technologies, Inc. (SOFI) a Good Investment?
Despite reported net income, SoFi is burning substantial cash with negative operating cash flow of -$2.3B and free cash flow of -$2.4B, indicating reported profits are not backed by economic reality. The company faces a severe liquidity crisis with a current ratio of 0.15x and inability to cover interest expenses (interest coverage 0.8x), while revenue has collapsed 72% YoY, raising serious questions about business model sustainability.
SoFi Technologies, Inc. Key Strengths (SOFI)
- Large asset base of $53.7B provides substantial resources
- Moderate debt-to-equity ratio of 0.17x suggests reasonable leverage control
- Cash reserves of $3.4B provide near-term liquidity buffer
SOFI Stock Risks: SoFi Technologies, Inc. Investment Risks
- Severe negative operating cash flow of -$2.3B indicates business is not generating cash despite reported profitability
- Critical liquidity crisis with current ratio of 0.15x - current assets cannot cover short-term obligations
- Interest coverage ratio of 0.8x means operating income cannot cover interest expenses, raising refinancing risk
- Revenue collapse of 72% YoY signals deteriorating core business
- Negative free cash flow of -$2.4B is unsustainable and limits financial flexibility
- Significant gap between reported net income and cash generation suggests accounting profits mask operational challenges
Key Metrics to Watch
- Operating cash flow trend and path to positive territory
- Current ratio recovery and working capital position
- Revenue stabilization and sequential growth indicators
- Interest coverage ratio above 1.0x threshold
- Free cash flow inflection point
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 |
|---|---|---|---|
| Q1 2026 | $129.5M | $71.1M | $0.06 |
| 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 |
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 |
|---|---|---|---|
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779487303.xml | View → |
| May 18, 2026 | 4 | xslF345X06/wk-form4_1779142358.xml | View → |
| May 18, 2026 | 4 | xslF345X06/wk-form4_1779142342.xml | View → |
| May 11, 2026 | 4 | xslF345X06/wk-form4_1778525889.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778270533.xml | View → |
❓ Frequently Asked Questions about SOFI
What is the AI rating for SOFI?
SoFi Technologies, Inc. (SOFI) has an AI grade of D with 80% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SOFI's key strengths?
Claude: Large asset base of $53.7B provides substantial resources. Moderate debt-to-equity ratio of 0.17x suggests reasonable leverage control.
What are the risks of investing in SOFI?
Claude: Severe negative operating cash flow of -$2.3B indicates business is not generating cash despite reported profitability. Critical liquidity crisis with current ratio of 0.15x - current assets cannot cover short-term obligations.
What is SOFI's revenue and growth?
SoFi Technologies, Inc. reported revenue of $129.5M.
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 $0.12.
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 grade reflects both perspectives for balanced insights.
What is SOFI's fundamental grade?
Based on our AI fundamental analysis in May 2026, SoFi Technologies, Inc. has a D grade with 80% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SOFI stock overvalued or undervalued?
Valuation metrics for SOFI: ROE of 1.5% (sector avg: 12%), net margin of 128.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SOFI's AI grade for 2026?
Our dual AI analysis gives SoFi Technologies, Inc. a combined D grade 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 $-2.3B, with capital expenditures of $67.6M. FCF margin is -1,839.7%.
How does SOFI compare to other Finance stocks?
Vs Finance sector averages: Net margin 128.7% (avg: 25%), ROE 1.5% (avg: 12%), current ratio 0.15 (avg: 1.2).