SOFI stock verdict - Growth
SOFI
SoFi Technologies, Inc.
GROWTHFinancial Services
$16.46
Buy · weak trend
$16.46
Heavy$15.61Buy$20.82Fair$26.02Exit$31.22
FUNDAMENTAL93
TECHNICAL22
TRUST SCORE
86High
confidence in this read — data completeness, earnings quality & coverage
Downtrend · EMA20 17.45 · EMA50 17.44 · EMA200 19.22 · RSI 41.1 · MACD below signal
PROS
- Trades 37% below the model's fair value ($26.02)
- Revenue grew 32.1%/yr on average over the last 3 years
- Conservative balance sheet — debt-to-equity of 0.18
CONS
- Earnings weakly cash-backed — operating cash flow is only -778% of net income
- Expensive on trailing earnings (P/E 37.3×)
- Company has a low return on equity of 5.4% (TTM)
- Burns cash — free cash flow is negative
- Price is in a downtrend — below key moving averages
✳ 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 -778% of net income — profit isn't well cash-backed
✓Low accruals — reported profit tracks the cash actually generated
✓Receivables growing in line with sales
Analysis as of 2026-07-27 · price live, fundamentals from latest filings
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 Buy · weak trend. Trades 37% below the model's fair value ($26.02) and Revenue grew 32.1%/yr on average over the last 3 years
Is SOFI overvalued right now?
SOFI is trading at $16.46 versus an estimated fair value of $26.02. That puts the stock in growth territory on this framework. Earnings weakly cash-backed — operating cash flow is only -778% of net income and Expensive on trailing earnings (P/E 37.3×)
What should I watch before acting on SOFI?
Watch the trust score of 86, the earnings-quality checks, and any red flags. Earnings weakly cash-backed — operating cash flow is only -778% of net income