SoFi Technologies targets young, high-income individuals who may be underserved by traditional full-service banks. The company is purely digital and engages with clients exclusively through its mobile app and website.
SoFi's loan platform business saw massive growth in 2025. Demand for SoFi's loans could prove more resilient than expected in the face private credit fears, providing upside to our projections.
Revenue growth has come at the cost of rapid growth in expenses. SoFi could struggle to expand its operating margins without sacrificing growth.
|
Metric
|
SOFI
|
ALLY
|
SYF
|
|---|---|---|---|
Price/Earnings (Normalized) | 33.03 | 8.26 | 7.33 |
Price/Book Value | 1.85 | 0.85 | 1.53 |
Price/Sales | 4.94 | 1.22 | 1.67 |
Price/Cash Flow | 18.11 | 2.64 | 2.51 |
|
Metric
|
SOFI
|
ALLY
|
SYF
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
|
Metric
|
SOFI
|
ALLY
|
SYF
|
|---|---|---|---|
Return on Assets (Normalized) | 1.27% | 0.75% | 2.93% |
Return on Equity (Normalized) | 6.68% | 11.20% | 22.68% |
Return on Invested Capital (Normalized) | — | — | — |
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1-Day Chart
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United States