SoFi Technologies, Inc. (SOFI) Stock Analysis
Last updated Sep 8, 2026
Health Check
Last analyzed Sep 7, 2026
- Financial Health 35
- Profitability 90
- Business Quality 65
- Balance Sheet 40
- Cash Flow 25
Why this rating?
Health 58/100 — Acceptable
Entry timing is weak right now. Quality may be fine; the setup is not.
Company overview
SoFi Technologies, Inc. (SOFI) is a Credit Services company in the Financial Services sector. Compound Radar rates SoFi Technologies, Inc. 58/100 (Acceptable) due to solid business quality, strong revenue growth, and fair valuation.
Investment profile
- Quality Moderate
- Growth Strong
- Balance Sheet Unknown
- Valuation Fair
Financial highlights
Valuation
- P/E 36.76
- Forward P/E 21.9
- PEG 0.66
- EV/Revenue 5.53
Profitability
- Revenue Growth 42.6%
- Gross Margin 83.7%
- Operating Margin 17.0%
- Net Margin 14.9%
- ROE 7.1%
Financial strength
- Cash $3.37B
- Debt $3.42B
- Net Cash $-48.88M
- Free Cash Flow $-3.99B
- Current Ratio 1.11
Similar companies
Peers in Credit Services, ranked by Financial Health.
Latest quoted price for the name. Helps anchor the setup in today’s market level.
Health Entry- Sezzle Inc. Credit Services SEZL$118.35 80 Health 80 / 100
Strong business quality across profitability, growth, balance sheet, and cash flow.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- PayPal Holdings, Inc. Credit Services PYPL$53.18 69 Health 69 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- American Express Company Credit Services AXP$326.10 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Capital One Financial Corporation Credit Services COF$213.96 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Visa Inc. Credit Services V$368.64 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Mastercard Incorporated Credit Services MA$570.89 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Upstart Holdings, Inc. Credit Services UPST$26.98 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- EZCORP, Inc. Credit Services EZPW$33.09 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
FAQ
How Compound Radar scores and tracks SoFi Technologies, Inc. (SOFI).