FMP
SoFi Technologies, Inc.
SOFI
NASDAQ
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.
12.7 USD
0.19 (1.5%)
Operating Data
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Revenue
565.53M
977.3M
1.52B
2.91B
3.77B
6.11B
9.92B
16.11B
26.14B
42.44B
Revenue %
-
72.81
55.45
91.69
29.33
62.32
62.32
62.32
62.32
Ebitda
-280.99M
-371.38M
737k
-99.74M
436.84M
-971.57M
-1.58B
-2.56B
-4.16B
-6.74B
Ebitda %
-49.69
-38
0.05
-3.43
11.6
-15.89
-15.89
-15.89
-15.89
Ebit
-350.82M
-472.95M
-151.36M
-301.16M
233.34M
-1.52B
-2.47B
-4.01B
-6.51B
-10.57B
Ebit %
-62.03
-48.39
-9.96
-10.34
6.2
-24.91
-24.91
-24.91
-24.91
Depreciation
69.83M
101.57M
152.1M
201.42M
203.5M
551.07M
894.5M
1.45B
2.36B
3.83B
Depreciation %
12.35
10.39
10.01
6.92
5.4
9.01
9.01
9.01
9.01
Balance Sheet
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Total Cash
872.58M
689.62M
1.82B
3.14B
2.59B
5.37B
8.72B
14.16B
22.98B
37.3B
Total Cash %
154.29
70.56
119.71
107.82
68.85
87.88
87.88
87.88
87.88
Receivables
17.92M
-
-
23.13B
28.12B
2.48B
4.03B
6.54B
10.62B
17.24B
Receivables %
3.17
-
-
794.21
746.54
40.63
40.63
40.63
40.63
Inventories
-
-
-
-
-
-
-
-
-
-
Inventories %
-
-
-
-
-
-
-
-
-
Payable
452.91M
158.06M
144.57M
93.3M
106.34M
1.37B
2.22B
3.6B
5.85B
9.49B
Payable %
80.09
16.17
9.52
3.2
2.82
22.36
22.36
22.36
22.36
Cap Ex
-24.55M
-52.26M
-103.73M
-111.41M
-154.26M
-298.79M
-485M
-787.24M
-1.28B
-2.07B
Cap Ex %
-4.34
-5.35
-6.83
-3.83
-4.1
-4.89
-4.89
-4.89
-4.89
Weighted Average Cost Of Capital
Price
12.7
Beta
Diluted Shares Outstanding
1.1B
Costof Debt
35.28
Tax Rate
After Tax Cost Of Debt
35.28
Risk Free Rate
Market Risk Premium
Cost Of Equity
Total Debt
3.09B
Total Equity
13.99B
Total Capital
17.08B
Debt Weighting
18.11
Equity Weighting
81.89
Wacc
16.42
Build Up Free Cash Flow
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Revenue
565.53M
977.3M
1.52B
2.91B
3.77B
6.11B
9.92B
16.11B
26.14B
42.44B
Ebitda
-280.99M
-371.38M
737k
-99.74M
436.84M
-971.57M
-1.58B
-2.56B
-4.16B
-6.74B
Ebit
-350.82M
-472.95M
-151.36M
-301.16M
233.34M
-1.52B
-2.47B
-4.01B
-6.51B
-10.57B
Tax Rate
-113.7
-113.7
-113.7
-113.7
-113.7
-113.7
-113.7
-113.7
-113.7
-113.7
Ebiat
-239.26M
-475.66M
-152.16M
-300.74M
498.67M
-1.43B
-2.31B
-3.76B
-6.1B
-9.89B
Depreciation
69.83M
101.57M
152.1M
201.42M
203.5M
551.07M
894.5M
1.45B
2.36B
3.83B
Receivables
17.92M
-
-
23.13B
28.12B
2.48B
4.03B
6.54B
10.62B
17.24B
Inventories
-
-
-
-
-
-
-
-
-
-
Payable
452.91M
158.06M
144.57M
93.3M
106.34M
1.37B
2.22B
3.6B
5.85B
9.49B
Cap Ex
-24.55M
-52.26M
-103.73M
-111.41M
-154.26M
-298.79M
-485M
-787.24M
-1.28B
-2.07B
Ufcf
241.01M
-703.28M
-117.28M
-23.39B
-4.43B
25.72B
-2.6B
-4.22B
-6.85B
-11.12B
Wacc
16.42
16.42
16.42
16.42
16.42
Pv Ufcf
22.09B
-1.92B
-2.67B
-3.73B
-5.2B
Sum Pv Ufcf
8.57B
Terminal Value
Growth In Perpetuity Method
Long Term Growth Rate
Wacc
16.42
Free Cash Flow T1
-11.34B
Terminal Value
-78.69B
Present Terminal Value
-36.8B
Intrinsic Value
Enterprise Value
-28.23B
Net Debt
555.01M
Equity Value
-28.79B
Diluted Shares Outstanding
1.1B
Equity Value Per Share
-26.14
Projected DCF
-26.14 1.486%
