On the stock market since 2021, it operates in the world of money and finance. It has 6,100 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 45% a year over the last 4 years. Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly below the class average.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Bets Against the Stock: The number of investors betting on a fall stands out.
The stock trades 44% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 39% a year on average.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
The average analyst price target is $21.20 — 18% above today’s price.
This stock swings about 2.2 times as much as the market average. Big rallies — and big drops — can both happen fast.
The company’s market value is 49 times its annual profit. Even a small disappointment could hit the price hard.
On our five-subject report card, SOFI sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: SOFI is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Analysts’ average target sits above today’s price, yet the valuation grade (9/100) says the stock isn’t cheap.