SOFI stock verdict - Growth
SOFI
SoFi Technologies, Inc.
GROWTHFinancial Services
$16.58
Watch (wait for dip)
$16.58
Heavy$10.40Buy$13.86Fair$17.33Exit$20.80
VALUE76
GROWTH75
QUALITY97
TECHNICAL—
TRUST SCORE
82High
confidence in this read — data completeness, earnings quality & coverage
Technicals: insufficient price history
PROS
- Revenue grew 18.1%/yr on average over the last 3 years
- Conservative balance sheet — debt-to-equity of 0.50
CONS
- Earnings weakly cash-backed — operating cash flow is only -1336% of net income
- Expensive on trailing earnings (P/E 33.7×)
- Company has a low return on equity of 5.7% (TTM)
✳ Pros and cons are machine-generated from the latest fundamentals and technicals.
EARNINGS QUALITY · we check the accounting so you don't have to
⚠Operating cash flow is only -1336% of net income — profit isn't well cash-backed
Analysis as of 2026-09-25 · price live, fundamentals from latest filings
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📊 Options Flow — Put/Call Ratio
FAQ
Why is SOFI rated Growth?
SOFI (SoFi Technologies, Inc.) is rated Growth because the model combines fundamentals, price action, and earnings-quality checks. The current signal is Watch (wait for dip). Revenue grew 18.1%/yr on average over the last 3 years and Conservative balance sheet — debt-to-equity of 0.50
Is SOFI overvalued right now?
SOFI is trading at $16.58 versus an estimated fair value of $17.33. That puts the stock in growth territory on this framework. Earnings weakly cash-backed — operating cash flow is only -1336% of net income and Expensive on trailing earnings (P/E 33.7×)
What should I watch before acting on SOFI?
Watch the trust score of 82, the earnings-quality checks, and any red flags. Earnings weakly cash-backed — operating cash flow is only -1336% of net income