StockDecksSoFi Technologies, Inc.
Financial Services · Credit Services
The four fundamentals ratings
Each rating is built from the measures listed beneath it. Values are the latest reported figures; the rating beside each one is how that measure scores on our −100 to +100 scale.
Debt levels, liquidity and how solid the balance sheet looks.
| Debt to equity | 0.31 × | -97 |
| Current ratio | 1.11 × | +9 |
| Quick ratio | 0.46 × | -61 |
| Buybacks vs new shares | Raised $3.2B by issuing new shares last year (≈16.7% of its market value) — heavier dilution for existing holders | -80 |
Margins, and the returns being earned on the capital employed.
| Gross margin | 83.7 % | +98 |
| Operating margin | 17 % | +34 |
| Net margin | 14.9 % | -21 |
| Return on equity | 7.1 % | -44 |
| Asset turnover | 0.07 × | — |
| Profit vs cash flow | $481M profit, burned $3.7B cash — profits run ahead of cash | -85 |
The direction and pace of revenue and earnings.
| Revenue growth (YoY) | 42.6 % | +99 |
| Earnings growth (YoY) | 40.4 % | +93 |
| Earnings growth (Q) | 61 % | +96 |
What you pay relative to what the business actually delivers.
| P/E (trailing) | 30.11 × | -93 |
| Forward P/E | 17.89 × | -53 |
| PEG ratio | 0.51 × | +92 |
| Price/Book | 1.72 × | +58 |
| Price/Sales | 4.46 × | +16 |
| Value-trap check | Cheapness credit ×0.67 — looks cheap, but quality scores -30 | — |
Key figures
| Sector | Financial Services |
| Industry | Credit Services |
| Market cap | $19.1B |
| Dividend yield | 0.00% |
| Payout ratio | 0.00% |
| Beta | 2.33 |
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.
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The figures above were captured on 20 October 2026. Open SOFI in StockDecks for the current numbers, plus the four ratings it doesn't show here — Hype, Analyst Upside, Trend Signals and Insider Track — all free.
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