SoFi Technologies Inc. Common Stock (SOFI)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach SoFi as a turnaround, not a steady compounder. In fiscal 2023, filed net income was -$300.7M; in fiscal 2024 it was $498.7M; and in fiscal 2025 it was $481.3M. Filed revenue rose from $421.5M in fiscal 2023 to $619.4M in fiscal 2025. That is real progress, and the fiscal second quarter of 2026 (the quarter ended 2026-06-30) showed net income of $156.6M and diluted EPS of $0.12. But quality is not yet proven. FairStock calculations show ROE of 7.09% and ROCE of 1.25%, thin for a financial intermediary. Piotroski 1/9 and Altman Z 0.25 signal accounting and balance-sheet fragility. Trailing free cash flow is -$8.8B, with an FCF yield of -44.7%, hard to reconcile with a $19.7B market cap. At the 2026-10-13 close of $15.24, the P/E is 31.10, P/B is 1.78, Graham Number is $9.73, and margin of safety is -56.63%. PEG 0.51 is attractive only if growth persists. Beta 2.21 adds volatility. I see a fast-growing digital lender with no clear moat. The turnaround is encouraging, but Graham would demand a bigger discount and Buffett would want durable cash generation. The FairStock score of 49/100 captures that mixed picture. It remains in the too-hard pile until cash flow and returns improve.

In plain English: SoFi is an online financial services company that offers loans, banking, investing, and a technology platform. It has grown revenue and turned profitable after losses, but it is still burning cash and several key measures of financial quality look weak. At $15.24, the shares look expensive compared with the conservative value its numbers suggest.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer