SoFi Technologies, Inc. (SOFI) Stock Score, Valuation & Financial Research
SoFi Technologies, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 31/100.
Quick answer for SOFI
SoFi Technologies, Inc. currently has a Wall Street Score of 31/100. The stored market price is $16.76. Its financial score is 31/100. Its valuation score is 4/100. These figures are a research snapshot, not a buy or sell recommendation.
What SoFi Technologies, Inc. does
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking pla
SOFI financial snapshot
- Wall Street Score:
- 31/100
- Current price:
- $16.76
- Market capitalization:
- $21.49B
- Revenue:
- $5.14B
- Net income:
- $576.9M
- Free cash flow:
- $-3.98B
- Cash:
- $3.40B
- Total debt:
- $1.91B
- EPS:
- 0.42
- P/E ratio:
- 39.9x
- Financial score:
- 31/100
- Valuation score:
- 4/100
- Revenue score:
- 37/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $-3.98B, showing cash burn in the current stored period.
- The balance sheet shows $3.40B of cash versus $1.91B of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 4/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 31/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research SOFI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.