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 Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.

SoFi Technologies, Inc.

Technisys

Galileo Financial Technologies

SoFi is a values-driven company on a mission to help our members get their money right. We create modern financial products and services that help people borrow, save, spend, invest, and protect their money better, so that they can achieve financial independence and realize their ambitions—from owning a home to saving for retirement, paying off their student loans, and more. 

CFL #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org) Advisory services through SoFi LLC, a registered investment advisor. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. SoFi Money™ is offered through SoFi Securities LLC, member FINRA/SIPC.

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SoFi

Following a strong Q4, SoFi’s CEO shares his positive outlook for 2024👇 

"We're really bullish about our financial services segment which is growing quite well. We are expecting 75% YoY revenue growth in our financial services segment and 20% YoY revenue growth in the tech platform." 

Watch the full video to hear more from Anthony Noto on CNBC: https://lnkd.in/g-c2jszd

It’s no secret we’re a members-first app. So it should come as no surprise that SoFi Invest® is working hard to give our members access to alternative investments that the high net worth have traditionally enjoyed for decades—with no accreditation requirements.

Soon enough, members can start building and protecting their wealth with alternative funds that include commodities, private credit, pre-IPO unicorns, and more. That’ll help them with the opportunity to produce different returns compared to traditional investments (under similar market conditions), access companies with enhanced growth potential, and generate extra income from dividends.

Trade now: https://lnkd.in/gWBK5ZH4

Where is inflation headed in 2024? Tune into The Important Part with Liz Young for more on the cumulative effects of inflation and what it means for you and your wallet. 

Listen to the full episode ➡️ https://lnkd.in/g3-u-kud

At SoFi, we’re passionate about helping you Get Your Money Right and believe nobody should have to choose between making retirement contributions and making student loan payments. Through SoFi At Work, we’ve launched an employee benefit service enabling companies to match their employees' student loan payments in the form of 401(k) contributions.

This week we had an opportunity to participate in a forward-looking conversation at the White House. Bringing together members of the Biden Administration and leaders from across public and private sectors, we focused our discussion on leveraging the workplace to improve financial resilience, including employer-led student loan match programs like our own. We’re inspired by the collaboration and we are looking forward to fostering a brighter financial future for everyone in 2024 and beyond.

Kicked off the first week of the year with SoFi ringing the NYSE closing bell 🔔 Huge congrats to the SoFi Invest team on the launch of a new ETF!!

Tax season is the most dreaded time of year. But not this year, because SoFi is declaring it "match season" instead with a 2% IRA match on all contributions through Tax Day.* Learn how to get started! ➡️ https://lnkd.in/gsH7vmqP

It’s open-enrollment season! Do you know how much your employer’s life insurance covers? (Hint: It’s probably not enough.)

Many employer-provided group term life policies are based on salary and don’t consider the other assets and expenses that make up your finances. We’ve teamed up with Ladder to help make getting the right term life coverage easy and affordable.

✅ Try a coverage calculator or get a personalized quote for free.
✅ Apply online in minutes (no doctor’s exam required for policies of up to $3M).*
✅ Adjust your policy as your needs change.

Learn more about term life insurance and get a free quote 👉 https://lnkd.in/dXhAxRyi

Talk 🗣️ About 🗣️ Money 🗣️

In episode 5 of Richer Lives, Elaine Welteroth said this is the number one thing that puts you in a more powerful position when negotiating, and if you don’t negotiate you could be leaving an estimated $1 million to $1.5 million on the table over your lifetime.* Tap the link in our bio to watch the full episode on YouTube and don’t forget to subscribe!

Our Head of Investment Strategy, Liz Young went on CNBC last week to discuss stock market seasonality, the recent Fed meeting and Q3 Earnings reports. Don’t miss as she shares her perspective on what's in store for the remainder of the year ⤵️

Watch the full interview here: https://lnkd.in/gyX9pcGh

The #3 Ranked Business Podcast is back! 📣

Are you ready to learn more about building wealth through investing to achieve your financial goals? Our very own, Liz Young is back with Season 3 of The Important Part podcast where she’s unpacking topics related to managing your portfolio, retail investing, inflation, market cycles, real estate, and more!

Each episode, Liz speaks with industry experts like Ben Carlson, CFA and Gunjan Banerji armed with knowledge to help investors achieve their goals. Listen and subscribe to keep up with the latest! ⤵️

https://lnkd.in/gnCwvD_E

	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
average inventory
average payables			278.25M -	375.54M 34.96%	221.37M 41.05%
average receivables			35.81M -	25.15M 29.77%	63.52M 152.60%
book value per share		18.09 -	26.29 45.36%	8.92 66.08%	6.14 31.19%
capex per share	-0.12 -	-0.32 173.80%	-0.21 34.69%	-0.10 53.06%	-0.12 16.05%
capex to depreciation	-1.26 -	-2.36 87.26%	-0.35 85.08%	-0.51 46.37%	-0.69 33.19%
capex to operating cash flow	-0.01 -	0.69 5,218.91%	0.05 92.54%	0.04 24.42%	0.01 63.06%
capex to revenue	-0.05 -	-0.08 66.63%	-0.04 48.88%	-0.05 22.24%	-0.07 24.23%
cash per share		4.30 -	7.51 74.70%	1.31 82.57%	1.80 37.12%
days of inventory on hand
days payables outstanding
days sales outstanding		17.58 -	32.46 84.67%		29.47 -
debt to assets		0.70 -	0.59 15.10%	0.51 13.92%	0.32 36.98%
debt to equity		2.42 -	1.66 31.38%	1.00 40.04%	1.10 10.92%
dividend yield			7.09 -
earnings yield	-0.21 -	-0.20 5.03%	-0.16 21.25%	-0.06 62.52%	-0.08 32.76%	-0.03 58.54%
enterprise value		5.80B -	5.64B 2.73%	12.01B 112.85%	8.84B 26.43%
enterprise value over ebitda		-25.95 -	-21.82 15.91%	-31.65 45.05%	403.30 1,374.38%
ev to operating cash flow		-106.02 -	-11.77 88.89%	-8.90 24.44%	-1.22 86.31%
ev to sales		13.11 -	9.98 23.87%	12.20 22.22%	5.62 53.95%
free cash flow per share	8.69 -	-0.79 109.14%	-4.34 445.78%	-2.66 38.62%	-8.17 206.78%	-7.65 6.38%
free cash flow yield	0.83 -	-0.08 109.14%	-0.35 359.79%	-0.17 51.71%	-1.77 952.10%	-0.77 56.62%
graham net net		-40.23 -	-39.60 1.57%	-7.19 81.83%	-13.06 81.57%
graham number		28.98 -	33.78 16.57%	13.58 59.80%	7.01 48.39%
income quality	-4.05 -	0.23 105.63%	2.14 836.92%	2.79 30.41%	22.64 711.57%
intangibles to total assets	0 -	0.03 Infinity%	0.16 421.68%	0.15 10.17%	0.12 21.22%	0 100%
interest coverage	0.23 -	-0.86 468.57%	-1.77 105.63%	-4.68 164.51%	-0.68 85.39%	-0.38 44.37%
interest debt per share		46.17 -	45.26 1.98%	9.08 79.95%	6.99 23.01%
inventory turnover
invested capital		2.42 -	1.66 31.38%	1.00 40.04%	1.10 10.92%
market cap	1.22B -	1.22B 0%	1.44B 18.70%	8.33B 476.33%	4.15B 50.13%	9.40B 126.41%
net current asset value		-4.67B -	-4.59B 1.73%	-3.79B 17.40%	-11.66B 207.75%
net debt to ebitda		-20.50 -	-16.23 20.83%	-9.71 40.19%	213.78 2,301.80%
net income per share	-2.17 -	-2.06 5.03%	-1.93 6.53%	-0.92 52.37%	-0.36 61.29%	-0.32 10.52%
operating cash flow per share	8.81 -	-0.47 105.35%	-4.13 775.77%	-2.56 37.88%	-8.05 214.16%	-7.65 5.04%
payables turnover
receivables turnover		20.76 -	11.24 45.85%		12.39 -
research and ddevelopement to revenue				0.28 -	0.26 8.13%	0.25 3.18%
return on tangible assets		-0.03 -	-0.03 7.83%	-0.06 97.62%	-0.02 69.17%
revenue per share	2.32 -	3.81 64.31%	4.87 27.76%	1.87 61.60%	1.75 6.59%	2.17 24.26%
roe		-0.11 -	-0.07 35.70%	-0.10 40.40%	-0.06 43.74%
roic		-0.03 -	-0.03 17.47%	-0.05 87.96%	-0.01 78.23%
sales general and administrative to revenue	0.45 -	0.34 24.01%	0.42 22.02%	0.51 20.59%	0.32 37.02%	0.25 21.85%
shareholders equity per share		18.09 -	26.29 45.36%	8.92 66.08%	6.14 31.19%
stock based compensation to revenue	0.16 -	0.14 13.99%	0.18 28.43%	0.24 36.39%	0.19 19.99%
tangible asset value		1.87B -	1.65B 11.86%	3.35B 102.86%	3.32B 0.69%
tangible book value per share		16.11 -	14.20 11.86%	6.35 55.27%	3.69 41.94%
working capital		359.81M -	436.88M 21.42%	191.81M 56.10%	1.70B 786.78%

NASDAQ:SOFI

SoFi Technologies, Inc.

Last Close

7.47

15/05 20:00

Market Cap

7.31B

Beta: 1.66

Volume Today

80.45K

Avg: 33.56M

PE Ratio

−24.26

PFCF: −1.06