Stocktoria
SoFi Technologies, Inc. SOFI
SoFi Technologies, Inc. (SOFI) earns a Piotroski F-score of 1/9 (weak financial health). It does not currently pay a dividend. FY2025 revenue was $619.4M at a 77.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-12 | Truist Securities | Hold (main) |
| 2026-07-31 | Mizuho | Outperform (main) |
| 2026-07-30 | Morgan Stanley | Underweight (main) |
| 2026-07-30 | Wells Fargo | Equal-Weight (main) |
| 2026-07-30 | Needham | Buy (main) |
| 2026-07-24 | Truist Securities | Hold (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 1/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SOFI | SoFi Technologies, Inc. | 1/9 | — | 47.7 | +23.1% |
| RIOT | Riot Platforms, Inc. | 2/9 | 0.57 | — | +71.9% |
| DAVE | Dave Inc./DE | 5/9 | — | 22.6 | +59.7% |
| CANG | Cango Inc. | 2/9 | -4.15 | — | +524.3% |
| CAN | Canaan Inc. | 4/9 | 1.24 | — | +96.7% |
| IREN | IREN Ltd | 5/9 | 2.18 | 193.8 | +167.7% |
| PWP | Perella Weinberg Partners | 3/9 | — | 44.3 | -14.5% |
All Finance, Insurance & Real Estate companies →
About SoFi Technologies, Inc.
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
FAQ
Is SOFI financially healthy?
SoFi Technologies, Inc.'s Piotroski F-score is 1/9 (8–9 is excellent, 0–3 weak).
Does SOFI pay a dividend?
No, SoFi Technologies, Inc. does not currently pay a dividend.
How profitable is SOFI?
In FY2025, SoFi Technologies, Inc. had a net margin of 77.7% and a return on equity of 4.6%.
What is SOFI's P/E ratio?
SoFi Technologies, Inc.'s trailing price-to-earnings (P/E) ratio is about 47.7×, based on its latest annual earnings.
What is the analyst price target for SOFI?
The average Wall-Street price target for SoFi Technologies, Inc. is $19.87, about 10.7% above the recent price, from 19 analysts (consensus: hold).
Is SOFI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SoFi Technologies, Inc.: a Piotroski F-score of 1/9, a P/E of about 47.7×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.