★
SOFI
SoFi Technologies Inc · Financial Services
FCF——
Rev+205.5%A
D/E0.17A-
P/E34.7xC+
PEG0.17A
81Score
$15.621Y Target$17.96Near-term target
5Y Target$25.16Compound horizon
10Y Target$36.98Long-dated conviction
FCF—TTM—
FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+205.5%TTM YoYA
Revenue +205.5% — hypergrowth, top decile
D/E0.17totalA-
D/E 0.17 — conservative leverage, strong balance sheet · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E34.7xC+
P/E 34.7 — elevated; requires sustained growth to justify
PEG0.17proxyA
PEG 0.17 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Financial Services · market cap $20.0b. Down 52% from 52-week high of $32.73 — deep drawdown territory. Revenue growing +206% — in hypergrowth territory. PEG 0.17 — paying under fair value for the growth rate.
Moat
Moat signals from the quantitative card are modest — profitability and capital efficiency are middle-of-pack. The thesis here depends on softer factors (switching costs, brand, distribution, regulatory protection) not captured by the 7-grade screen.
Risk
Currently unprofitable (margin -19.8%) — path to GAAP profitability is the core thesis risk. Down 52% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 2.14 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
Horizon
1-3 yr $17.96 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $25.16 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $36.98 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Position sizing · SOFI
Shares to buy
128
Position size
$1,999
4.0% of portfolio
Stop price
$11.71
25% below $15.62
$ at risk
$500.00
1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.