SoFi Technologies

Valuation Analysis

About the Company

SoFi Technologies en bref

SoFi Technologies (SOFI) is currently trading at 14,14 € with a market capitalization of 18,2 Md €. The trailing P/E ratio stands at 33.29x, with a forward P/E of 20.08x. The 52-week range spans from 12,90 € to 28,38 €; the current price is 50.2% below the yearly high. Year-over-year revenue growth stands at +42.6%. The net profit margin stands at 14.91%.

💰 Dividende

SoFi Technologies currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Avis des analystes

19 analystes évaluent SoFi Technologies (SOFI) au consensus : Conserver. L'objectif de cours moyen est de 17,23 €, soit un potentiel de +21.82% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 10,40 € à 26,01 €.

SoFi Technologies : la thèse d'investissement en détail

SoFi Technologies (SOFI) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Top-line momentum is unusually strong with revenue expanding 42.6% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. With a gross margin near 83.73%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns.

Le scénario baissier

With a beta near 2.15, the share price moves sharply more than the broader market — drawdowns in market corrections can be unusually severe and require strong nerves. Short interest sits at 14.7% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong. Our valuation screen flags the stock as overvalued — current multiples imply the business needs to deliver well above its recent trajectory to justify the price.

Valorisation en contexte

With a PEG ratio of 0.78, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

À surveiller

• The forward P/E of 20.08x is meaningfully below the trailing 33.29x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 21.82% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Profil de risque

The data points to above-average price swings, elevated short interest (14.7%).

Trading Data

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