SoFi Technologies, Inc. (SOFI) Financial Analysis — Fisclear

Valuation

Financial Services

Live · Yahoo Finance

Price

$17.13

52-Week Range

$14.23$17.13 now$32.73

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Mar 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

SOFI vs

Macro Context

Fed Funds Rate

3.64%

Accommodative

10-Year Treasury

4.32%

2026-04-01

Unemployment

4.3%

Near full employment

CPI Index

330.3

2026-03-01

M2 Money Supply

$22.7T

2026-03-01

The Federal Funds rate stands at 3.64% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.32%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.3%; Industrial production index is at 101.8; M2 money supply is $22.7T; CPI index stands at 330.3.

SWOT Analysis — SOFI

Inflationary Boom

Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

✦

Strengths

Total Assets: $50.7B (+39.7% YoY) — Total assets grew 40% — the company's resource base expanded.
Revenue: $619.4M (+23.1% YoY) — Revenue grew 23% — the company sold more goods or services than the prior year.

◈

Weaknesses

Operating Cash Flow: -$3.7B (-234.2% YoY) — Negative operating cash flow — the business consumed more cash than it produced from operations.
Net Income: $481.3M (-3.5% YoY) — Profit fell 3% but remained positive.
R&D spending is 105% of revenue — heavy investment in future growth, but also a drag on current profitability.

◎

Opportunities

EPS (Diluted): $0.39 (+0.0% YoY) — Earnings per share rose 0% — each share earned more.

⚠

Threats

Negative operating cash flow of $3.7B — the core business consumed more cash than it generated.
Total liabilities represent 79% of total assets — elevated leverage that amplifies both gains and losses.

Financial Charts

Revenue vs Net Income

Margin Trend

Operating Cash Flow

Year-over-Year Changes

Operating Cash Flow

-$3.7B

was -$1.1B

−234.2%

Negative operating cash flow — the business consumed more cash than it produced from operations.

Total Assets

$50.7B

was $36.3B

+39.7%

Total assets grew 40% — the company's resource base expanded.

Revenue

$619.4M

was $503.1M

+23.1%

Revenue grew 23% — the company sold more goods or services than the prior year.

Net Income

$481.3M

was $498.7M

−3.5%

Profit fell 3% but remained positive.

EPS (Diluted)

$0.39

was $0.39

+0.0%

Earnings per share rose 0% — each share earned more.

Risk Flags

1 high · 1 medium · 1 low

⚠ High
Negative operating cash flow of $3.7B — the core business consumed more cash than it generated.
◈ Medium
Total liabilities represent 79% of total assets — elevated leverage that amplifies both gains and losses.
○ Low
R&D spending is 105% of revenue — heavy investment in future growth, but also a drag on current profitability.