SoFi Technologies Inc. (SOFI)
SoFi Statistics
Share Statistics
SoFi has 1.1B shares outstanding. The number of shares has increased by 3.72% in one year.
| Shares Outstanding | 1.1B |
| Shares Change (YoY) | 3.72% |
| Shares Change (QoQ) | 1.05% |
| Owned by Institutions (%) | 49.84% |
| Shares Floating | 1.08B |
| Failed to Deliver (FTD) Shares | 6.82K |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 146.78M, so 13.29% of the outstanding shares have been sold short.
| Short Interest | 146.78M |
| Short % of Shares Out | 13.29% |
| Short % of Float | 13.48% |
| Short Ratio (days to cover) | 2.3 |
Valuation Ratios
The PE ratio is 32.43 and the forward PE ratio is 24.04. SoFi's PEG ratio is -0.14.
| PE Ratio | 32.43 |
| Forward PE | 24.04 |
| PS Ratio | 4.29 |
| Forward PS | 3.1 |
| PB Ratio | 2.48 |
| P/FCF Ratio | -12.69 |
| PEG Ratio | -0.14 |
Enterprise Valuation
SoFi has an Enterprise Value (EV) of 16.73B.
| EV / Sales | 4.44 |
| EV / EBITDA | 38.29 |
| EV / EBIT | -14.94 |
| EV / FCF | -13.13 |
Financial Position
The company has a current ratio of 18.36, with a Debt / Equity ratio of 0.47.
| Current Ratio | 18.36 |
| Quick Ratio | 18.36 |
| Debt / Equity | 0.47 |
| Debt / EBITDA | 7.08 |
| Debt / FCF | -2.43 |
| Interest Coverage | 0.21 |
Financial Efficiency
Return on Equity is 7.64% and Return on Invested Capital is 1.39%.
| Return on Equity | 7.64% |
| Return on Assets | 1.38% |
| Return on Invested Capital | 1.39% |
| Revenue Per Employee | $753.24K |
| Profits Per Employee | $99.73K |
| Employee Count | 5,000 |
| Asset Turnover | 0.1 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -265.32M |
| Effective Tax Rate | -113.7% |
Stock Price Statistics
The stock price has increased by 80.64% in the last 52 weeks. The beta is 1.87, so SoFi's price volatility has been higher than the market average.
| Beta | 1.87 |
| 52-Week Price Change | 80.64% |
| 50-Day Moving Average | 12.34 |
| 200-Day Moving Average | 11.7 |
| Relative Strength Index (RSI) | 54.44 |
| Average Volume (20 Days) | 53.76M |
Income Statement
In the last 12 months, SoFi had revenue of 3.77B and earned 498.67M in profits. Earnings per share was 0.46.
| Revenue | 3.77B |
| Gross Profit | 2.67B |
| Operating Income | 233.34M |
| Net Income | 498.67M |
| EBITDA | 436.84M |
| EBIT | 233.34M |
| Earnings Per Share (EPS) | 0.46 |
Balance Sheet
The company has 2.54B in cash and 3.09B in debt, giving a net cash position of -555.01M.
| Cash & Cash Equivalents | 2.54B |
| Total Debt | 3.09B |
| Net Cash | -555.01M |
| Retained Earnings | -1.31B |
| Total Assets | 36.25B |
| Working Capital | 2.54B |
Cash Flow
In the last 12 months, operating cash flow was -1.12B and capital expenditures -154.26M, giving a free cash flow of -1.27B.
| Operating Cash Flow | -1.12B |
| Capital Expenditures | -154.26M |
| Free Cash Flow | -1.27B |
| FCF Per Share | -1.21 |
Margins
Gross margin is 71.02%, with operating and profit margins of 6.2% and 13.24%.
| Gross Margin | 71.02% |
| Operating Margin | 6.2% |
| Pretax Margin | 6.2% |
| Profit Margin | 13.24% |
| EBITDA Margin | 11.6% |
| EBIT Margin | 6.2% |
| FCF Margin | -33.83% |
Dividends & Yields
SOFI does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 3.08% |
| FCF Yield | -7.88% |
Analyst Forecast
The average price target for SOFI is $14, which is 12% higher than the current price. The consensus rating is "Hold".
| Price Target | $14 |
| Price Target Difference | 12% |
| Analyst Consensus | Hold |
| Analyst Count | 17 |
Scores
| Altman Z-Score | 0.41 |
| Piotroski F-Score | 4 |