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5-day change | 1st Jan Change | ||
| 15.75 USD | -1.56% |
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-4.14% | -39.84% |
| May. 04 | U.S. research roundup - Alphabet, Colgate-Palmolive, Welltower | RE |
| Apr. 30 | SoFi Technologies' Q2 Guidance Weaker Than Expected, 2026 Outlook Implies Ramp in H2, Morgan Stanley Says | MT |
Projected Income Statement: SoFi Technologies, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 1,010 | 1,540 | 2,074 | 2,606 | 3,591 | 4,663 | 5,677 | 6,853 |
| Change | - | 52.47% | 34.63% | 25.66% | 37.8% | 29.84% | 21.75% | 20.72% |
| EBITDA 1 | 30.22 | 143.3 | 431.7 | 666.5 | 1,054 | 1,594 | 2,083 | 2,581 |
| Change | - | 374.33% | 201.19% | 54.37% | 58.13% | 51.21% | 30.71% | 23.89% |
| EBIT 1 | -455.7 | -297.4 | -295.1 | 196.4 | 534.2 | 993.7 | 1,483 | 2,021 |
| Change | - | 34.73% | 0.8% | 166.55% | 172.06% | 86% | 49.24% | 36.27% |
| Interest Paid 1 | -10.34 | -18.44 | -36.83 | -48.35 | -45.72 | -43.15 | -44.75 | - |
| Earnings before Tax (EBT) 1 | -481.2 | -318.7 | -301.2 | 233.3 | 525.9 | 970.3 | 1,437 | 1,848 |
| Change | - | 33.76% | 5.51% | 177.48% | 125.36% | 84.51% | 48.1% | 28.61% |
| Net income 1 | -483.9 | -320.4 | -300.7 | 498.7 | 481.3 | 836.4 | 1,150 | 1,451 |
| Change | - | 33.79% | 6.14% | 265.81% | -3.48% | 73.77% | 37.55% | 26.12% |
| Announcement Date | 3/1/22 | 1/30/23 | 1/29/24 | 1/27/25 | 1/30/26 | - | - | - |
Forecast Balance Sheet: SoFi Technologies, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | 3,412 | 4,081 | 1,625 | 384 | -3,541 | - | -5,438 | -9,553 |
| Change | - | 19.61% | -60.18% | -76.37% | -1,022.14% | - | - | -75.67% |
| Announcement Date | 3/1/22 | 1/30/23 | 1/29/24 | 1/27/25 | 1/30/26 | - | - | - |
Cash Flow Forecast: SoFi Technologies, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | 52.26 | 93.2 | 111.4 | 154.3 | 242.4 | 283.1 | 244.4 | 271.6 |
| Change | - | 78.34% | 19.54% | 38.47% | 57.16% | 16.77% | -13.65% | 11.11% |
| Free Cash Flow (FCF) 1 | -1,402 | -7,349 | - | -1,274 | -3,985 | 1,643 | 1,833 | 1,866 |
| Change | - | -424.01% | - | - | -212.77% | 141.24% | 11.55% | 1.79% |
| Announcement Date | 3/1/22 | 1/30/23 | 1/29/24 | 1/27/25 | 1/30/26 | - | - | - |
Forecast Financial Ratios: SoFi Technologies, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 2.99% | 9.31% | 20.82% | 25.57% | 29.34% | 34.17% | 36.69% | 37.65% |
| EBIT Margin (%) | -45.11% | -19.31% | -14.23% | 7.53% | 14.88% | 21.31% | 26.12% | 29.49% |
| EBT Margin (%) | -47.63% | -20.69% | -14.52% | 8.95% | 14.64% | 20.81% | 25.31% | 26.97% |
| Net margin (%) | -47.9% | -20.8% | -14.5% | 19.13% | 13.4% | 17.94% | 20.26% | 21.17% |
| FCF margin (%) | -138.81% | -477.06% | - | -48.89% | -110.96% | 35.24% | 32.29% | 27.23% |
| FCF / Net Income (%) | 289.81% | 2,293.66% | - | -255.5% | -827.91% | 196.49% | 159.36% | 128.61% |
Profitability | ||||||||
| ROA | -3.94% | -2.27% | -0.32% | 0.49% | 1.11% | 1.42% | 1.55% | 1.72% |
| ROE | -16.41% | -6.69% | -5.43% | 2.7% | 5.66% | 7.84% | 9.1% | 10.35% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 112.9x | 28.47x | 3.76x | 0.58x | - | - | - | - |
| Debt / Free cash flow | -2.43x | -0.56x | - | -0.3x | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 5.17% | 6.05% | 5.37% | 5.92% | 6.75% | 6.07% | 4.31% | 3.96% |
| CAPEX / EBITDA (%) | 172.93% | 65.02% | 25.8% | 23.15% | 23% | 17.76% | 11.73% | 10.52% |
| CAPEX / FCF (%) | -3.73% | -1.27% | - | -12.11% | -6.08% | 17.23% | 13.33% | 14.56% |
Items per share | ||||||||
| Cash flow per share 1 | -2.563 | -8.054 | - | - | - | - | - | - |
| Change | - | -214.2% | - | - | - | - | - | - |
| Dividend per Share 1 | - | - | - | - | - | - | - | 0.01 |
| Change | - | - | - | - | - | - | - | - |
| Book Value Per Share 1 | 5.286 | 5.577 | 5.692 | 6.213 | 8.26 | 8.64 | 9.284 | 10.31 |
| Change | - | 5.51% | 2.07% | 9.15% | 32.94% | 4.6% | 7.45% | 11.08% |
| EPS 1 | -1 | -0.4 | -0.36 | 0.39 | 0.39 | 0.597 | 0.7971 | 0.9929 |
| Change | - | 60% | 10% | 208.33% | 0% | 53.09% | 33.5% | 24.57% |
| Nbr of stocks (in thousands) | 806,917 | 927,938 | 958,743 | 1,085,147 | 1,260,448 | 1,282,741 | 1,282,741 | 1,282,741 |
| Announcement Date | 3/1/22 | 1/30/23 | 1/29/24 | 1/27/25 | 1/30/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E ratio | 26.4x | 19.8x |
| PBR | 1.82x | 1.7x |
| EV / Sales | 4.33x | 3.56x |
| Yield | - | - |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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