Providing a diverse range of perspectives from bullish to bearish, 13 analysts have published ratings on SoFi Techs SOFI in the last three months.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 3 | 5 | 3 | 0 |
| Last 30D | 0 | 0 | 0 | 1 | 0 |
| 1M Ago | 0 | 0 | 0 | 2 | 0 |
| 2M Ago | 0 | 1 | 1 | 0 | 0 |
| 3M Ago | 2 | 2 | 4 | 0 | 0 |
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $11.85, along with a high estimate of $16.00 and a low estimate of $7.00. This upward trend is evident, with the current average reflecting a 20.8% increase from the previous average price target of $9.81.
Investigating Analyst Ratings: An Elaborate Study
A comprehensive examination of how financial experts perceive SoFi Techs is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Timothy Switzer | Keefe, Bruyette & Woods | Raises | Underperform | $8.00 | $7.00 |
| Jeffrey Adelson | Morgan Stanley | Raises | Underweight | $13.00 | $7.50 |
| Mihir Bhatia | B of A Securities | Maintains | Underperform | $12.00 | $12.00 |
| Reginald Smith | JP Morgan | Raises | Neutral | $16.00 | $9.00 |
| Dan Dolev | Mizuho | Raises | Outperform | $16.00 | $14.00 |
| Tim Chiodo | UBS | Raises | Neutral | $10.50 | $7.50 |
| Terry Ma | Barclays | Raises | Equal-Weight | $9.00 | $8.00 |
| Michael Ng | Goldman Sachs | Raises | Neutral | $8.50 | $7.50 |
| Kyle Peterson | Needham | Raises | Buy | $13.00 | $10.00 |
| Dan Dolev | Mizuho | Maintains | Outperform | $14.00 | $14.00 |
| John Hecht | Jefferies | Raises | Buy | $13.00 | $12.00 |
| Dan Dolev | Mizuho | Raises | Outperform | $14.00 | $12.00 |
| Timothy Switzer | Keefe, Bruyette & Woods | Maintains | Market Perform | $7.00 | $7.00 |
Key Insights:
- Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to SoFi Techs. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of SoFi Techs compared to the broader market.
- Price Targets: Analysts provide insights into price targets, offering estimates for the future value of SoFi Techs's stock. This comparison reveals trends in analysts' expectations over time.
For valuable insights into SoFi Techs's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
Stay up to date on SoFi Techs analyst ratings.
Delving into SoFi Techs's Background
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Unraveling the Financial Story of SoFi Techs
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: SoFi Techs displayed positive results in 3 months. As of 30 September, 2024, the company achieved a solid revenue growth rate of approximately 29.15%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: SoFi Techs's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 8.76%, the company may face hurdles in effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 1.01%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.18%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: SoFi Techs's debt-to-equity ratio is below the industry average. With a ratio of 0.54, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
The Significance of Analyst Ratings Explained
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
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