Added to YB: 2025-09-09
Pitch date: 2025-09-06
SOFI [neutral]
SoFi Technologies, Inc.
+5.7%
current return
Author Info
Company Info
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Market Cap
$34.2B
Pitch Price
$25.81
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
52.26
EV/Sales
N/A
Sector
Consumer Finance
Category
growth
SoFi: The Perfect Middle Ground (Ticker: SOFI)
SOFI (overview - too expensive): Neobank w/ 11.7M members, $29B deposits growing rapidly. Strong competitive position via online-only cost structure, aggressive marketing ($1B budget), competitive rates (3.8% savings APY vs Chase 0.01%). 85-90% revenue from lending. Fair value accounting creates volatility risk. At 13x est 2030 earnings, valuation not attractive for 20% deposit growth assumption.
Read full article (10 min)