Profitability
Weight: 25%
D+
43
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -0.0%
- Operating Margin Trend +13.49 pp/yr
SOFI
SoFi Technologies, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
7
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -0.3%
- 5yr Share-Count CAGR 24.2%
Growth Quality
Weight: 10%
F
20
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -2.8%
- 5yr EPS CAGR 0.0%
- Positive-EPS Years (5) 2/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -5.01x
Balance Sheet
Weight: 30%
B
72
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 20.7%
- Interest Coverage (EBIT/Int) 0.45x
Stability
Weight: 10%
C-
46
- EPS Volatility (σ/μ) 0.77
- Piotroski F-Score 5
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 added; 2 trimmed.
- Holders
- 4 +1
- Avg Δ position
- -31.3%
- New buys
- 0
- Full exits
- 0