Qualtix Stock Brief
SoFi Technologies, Inc. (SOFI) stock analysis: business quality, valuation, and entry timing
SoFi is a digital financial services company offering loans, banking, investing, and technology for other financial firms. As a young lender, credit quality and the path to consistent profits are key parts of its model view. Public Qualtix model snapshot from 2026-10-26 for SOFI: business quality 39/100, below the model's stronger-company threshold and valuation No Clean Valuation. Today's verdict and Entry Timing are shown after a free sign-in.
Qualtix evaluates SOFI with a rules-based model that separates business quality, valuation, entry timing, red flags, and data confidence. The model scores first; AI explanations and the full Clean Brief help explain the result afterward.
Coverage note: Qualtix can analyze supported US stocks when SEC/FMP filing data is available. The 1,000+ stock universe refers to the daily screener used for discovery, not the full analysis limit.
SOFI public evidence metrics from the latest validated Qualtix snapshot
| Metric | Value | Why it matters | Source |
|---|---|---|---|
| Revenue growth | 34.3% | 3-year revenue CAGR | FMP, computed |
| FCF margin | -89.2% | Free cash flow divided by revenue | Qualtix model data |
| Operating margin | 13.2% | Profitability margin | FMP, computed |
| Gross margin | 76.5% | Revenue retained after direct costs | FMP, computed |
| Return on capital (pre-tax) | 5.1% | Operating profit before tax, divided by equity plus debt | FMP, computed |
| ROE | 5.7% | Return on equity | FMP, computed |
| Cash and debt | Cash and investments $7.4B / Debt $3.4B | Balance-sheet context | FMP, reported |
| TTM P/E | 30.7x | Price to trailing earnings | FMP, computed |
Qualtix view
- Business quality: 39/100, below the model's stronger-company threshold.
- The model had no usable valuation history for this stock, so valuation neither supports nor limits the current view.
Today's verdict
- Today's model verdict and Entry Timing for SOFI update every market day and are shown after a free sign-in.
Data and snapshot dates
- Model snapshot date: 2026-10-26.
- Financial data through: 2026-06-30.
- Scored by the current Qualtix model.
- Data-confidence status: high.
What supports the current view
- Business Quality and Valuation are shown above; the full brief adds the complete model view.
What weakens the current view
- Business quality remains below the model's stronger-company threshold (39/100).
- No clean valuation is available, so the model view rests on business quality and other checks without a price signal.
- Beta of 2.33 signals higher market sensitivity and potential volatility.
What changed
- Business Quality was unchanged from the previous snapshot.
What to research next
- Start with the weaker Business Quality signal (39/100): review revenue durability, margins, cash generation, and balance-sheet pressure.
- Compare SOFI's No Clean Valuation valuation label with similar companies before treating price as a clear advantage.
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Qualtix is for research and education only. It is not financial advice.