SoFi Technologies

SOFI

Financial - Credit Services · Financial Services

Price

$17.28

-0.04 (-0.23%)

Market Cap

$22.17B

Exchange

NASDAQ

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

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)

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates

Winston Score History

Politician Trades

3 trades / 12mo

1 Congressional buy and 2 sells on SOFI in the last 12 months.

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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

-3.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+100.6% 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

2.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~10 months

$3.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Short runway — potential dilution ahead through share issuance

Cash watch

SoFi Technologies has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

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.

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Quality

Gross Margin

87.9%

Premium pricing power — 87.9% gross margin

Operating Margin

15.9%

Healthy — 15.9% operating margin

ROCE

1.5%

Weak — 1.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+21.6%

Fast-growing sales (21.6% YoY)

EPS YoY

+7.3%

Modest earnings growth (7.3% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

-410%

Weak — only -410% of profit becomes cash

FCF Margin

-55.2%

Burning cash (-55.2%)

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

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.76x

Dangerous — barely covers interest (0.8x)

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

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Valuation

P/E Ratio (TTM)

36.2x

Pricey — P/E 36.2

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

P/E vs Forward

+14.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (36.2 → 22.2)

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Dividends

Not applicable for this business.

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