SoFi Technologies, Inc. (SOFI) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
SoFi Technologies, Inc. (SOFI) scores 1.9 out of 10 as of , computed from its reported financial statements. That reads as low quality. The reading rests on profitability, and predictability is what holds it back.
2 pillars, solvency and growth, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
SoFi Technologies, Inc.’s filings do not show enough of the signs a moat leaves: 1 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for SOFI stands at 1.9 out of 10 as of October 16, 2026, which puts SoFi Technologies, Inc. in the low quality band. Scores this low usually reflect thin margins, a stretched balance sheet or an erratic record, and the pillars below show which. It rolls SoFi Technologies, Inc.’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Set against 261 Financials companies, SoFi Technologies, Inc. lands at the 3rd percentile, near the foot of the group. The median across the group is 5.9, and the top quarter begins at 6.8, so SoFi Technologies, Inc. is well below the typical company here.
Profitability scores 2.4 out of 10, which reads as weak. The median across 255 Financials companies is 6.8, so SoFi Technologies, Inc. is well below its peers on this pillar and ranks at the 6th percentile. Low margins and returns leave little cushion, so a downturn or a cost increase reaches the bottom line quickly.
Solvency has no score for SoFi Technologies, Inc. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 140 Financials companies is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
Growth has no score for SoFi Technologies, Inc. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median growth score across 241 Financials companies is 4.6. Growth needs at least three years of comparable annual statements, so a short or interrupted history leaves it blank.
On efficiency, SoFi Technologies, Inc. scores 1.9, a weak reading. Its peers have a median of 5.8 across 211 Financials companies, which places it well below them, at the 5th percentile. Poor conversion of assets and earnings into cash can come from heavy investment phases, and it matters whether that investment is paying off.
SoFi Technologies, Inc.’s predictability score is 1.3 out of 10 (weak). Against a median of 4.9 among 256 Financials companies, that is well below the group and the 6th percentile. When results are this uneven, the averages behind the other pillars hide a lot of movement, and a longer history tells more than the latest year.
The five readings are evenly matched. The best, profitability at 2.4, is just 1.1 points above the weakest, predictability at 1.3, so no single pillar is carrying the score. A profitability lead usually reflects something durable in the business model rather than a good year. Uneven results make any single year a weaker guide to the next one.
The pillar with the most room to move the score is profitability. If it rose to the median of Financials companies, 6.8, SoFi Technologies, Inc.’s overall score would go from 1.9 to about 3.7. With two pillars unscored, the overall rests on 60 of the 100 weight points, spread across the three pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to SoFi Technologies, Inc. by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading SoFi Technologies, Inc. scores 1.9 out of 10, which reads as low quality. Its strongest pillar is profitability, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
SoFi Technologies, Inc. ranks at the 3rd percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against SoFi Technologies, Inc.’s 1.9.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for SOFI are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
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