SoFi Technologies, Inc. cash flow to debt ratio of -193.45% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

SoFi Technologies, Inc.'s free cash flow has decreased 210.49% from $-1.28B last year to $-3.98B, signaling decreasing performance

SoFi Technologies, Inc.'s debt to equity ratio is 0.31, which means that the company's assets are healthy financed, signaling financial stability.

SoFi Technologies, Inc.'s debt has decreased relative to shareholder equity from 0.49 last year to 0.31 today, signaling strengthened financials

SoFi Technologies, Inc. has a net cash position, so leverage is healthy.

SoFi Technologies, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

SoFi Technologies, Inc.'s profit margin has decreased (15.35%) in the last year from 13.46% to 11.40%, signaling decreasing performance

SoFi Technologies, Inc.'s short-term liabilities of $38.45B exceed its short-term assets of $9.16B, signaling financial risk

SoFi Technologies, Inc.'s return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization

SoFi Technologies, Inc.'s return on equity of 6.18%, is lower than 15.00%, indicating bad performance

SoFi Technologies, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

SoFi Technologies, Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

SoFi Technologies, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

SoFi Technologies, Inc. has negative free cash flow, indicating cash burn

SoFi Technologies, Inc.'s yearly earnings has decreased 3.48% since last year from $498.67M to $481.32M, signaling decreasing performance

SoFi Technologies, Inc.'s yearly revenue has increased 28.78% since last year from $3.70B to $4.77B, signaling increasing performance

ROIC 6.64% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

SoFi Technologies, Inc.'s 3-year revenue CAGR of 39.35% is positive, indicating growing revenue over the past 3 years

SoFi Technologies, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

SoFi Technologies, Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

SoFi Technologies, Inc. has insufficient data to evaluate this check.

SoFi Technologies, Inc. has an earnings yield of 2.73%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

SoFi Technologies, Inc. is overvalued relative to its fair value price of 12.97 based on EBITDA multiple model

SoFi Technologies, Inc. has an EV/EBITDA ratio of 23.44x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

SoFi Technologies, Inc. has insufficient data to evaluate this check.

SoFi Technologies, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

SoFi Technologies, Inc. has a price-to-book ratio of 2.10x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

SoFi Technologies, Inc. has a price-to-sales ratio of 4.17x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue