SoFi Technologies

SOFI

Financial - Credit Services · Financial Services

Price

$18.91

+0.99 (+5.52%)

Market Cap

$24.26B

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Weak

Stability

Weak

Valuation

Good

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Share count rising — dilution

+137.6% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 526.7M (2021) → 1.25B (2025)

Winston Score History

The full picture

SoFi Technologies is an online bank and financial services company based in the United States. It offers products like personal loans, student loan refinancing, home loans, credit cards, investing accounts, and checking and savings accounts — all through its app and website. SoFi targets younger adults who prefer managing their money digitally rather than visiting a traditional bank branch.

SoFi makes money through interest on loans it issues, fees from financial products, and services it sells to other financial companies through its technology platform called Galileo. It operates almost entirely in the US and has grown into a full-service digital bank after receiving its own bank charter in 2022, which lets it hold deposits and fund loans more cheaply. The key growth driver is expanding its member base and cross-selling multiple products to each customer, but the main risk is that rising loan defaults or interest rate swings could quickly pressure its lending profits.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-25.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+36.5% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$7.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

SoFi Technologies's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

107.5%

Premium pricing power — 107.5% gross margin

Profit after running costs

Operating Margin

12.1%

Healthy — 12.1% operating margin

Return on the money invested

ROCE

5.7%

Weak — 5.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+16.6%

Fast-growing sales (+16.6% YoY)

Profit growth

EPS YoY

-3.0%

Earnings shrinking (-3.0% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

-310%

Weak — only -310% of profit becomes cash

Spare cash per sale

FCF Margin

-52.2%

Burning cash (-52.2%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

0.50x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

37.1x

Pricey — P/E 37.1

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+16.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (37.1 → 20.7)

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Dividends

Not applicable for this business.

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