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Try Stocky free →Avoid. SoFi's 47.7 Growth Compounder Score reflects modest 15–18% revenue growth insufficient to justify a 22.5× forward P/E, while a 27 Value score signals expensive positioning. Leadership alignment (35.5/100) is weak—no founder-CEO alignment and heavy shareholder dilution from SPAC merger. Structural risks loom: FDIC deposit insurance caps at $250k per depositor and GSE mortgage repurchase obligations constrain margin expansion and balance-sheet flexibility.
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Stocky rates SOFI (SOFI) at 36/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. SoFi's 47.7 Growth Compounder Score reflects modest 15–18% revenue growth insufficient to justify a 22.5× forward P/E, while a 27 Value score signals expensive positioning. Leadership alignment (35.5/100) is weak—no founder-CEO a
SOFI's current Stocky Verdict is 36/100, placing it in the "Avoid" band. This composite combines a 48/100 Compounder score, 36/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for SOFI yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
SOFI scores 36/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
SOFI's Vulnerability Profile scores 25/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to SOFI.
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