We came across about Sofi Technologies, Inc. (Sofi) Oliver | Bullish Papers | MMMT Wealth. In this article, we will summarize Bull's paper on Sofi. As of May 5^Th. According to Yahoo Finance, Sofi's backward and forward P/E are 29.91 and 40.16, respectively.

Sofi Technologies (Sofi) despite consistent top-line and bottom-line beats, it will still cause trouble for short-term stock reactions in recent stock reactions. However, long-term investors are confident in the direction of the company. With 16 consecutive revenue beats and a stable history of exceeding EPS expectations, fundamentals continue to improve in the quarter. Although the stock failed to reflect this momentum (recently down 7% on macroeconomic issues), the company's first-quarter 2025 results clearly portrayed a mature and increasingly profitable business. Sofi's revenue grew 33% to $771 million, its strongest pace in five quarters, thanks to membership growth (up 34% to 10.9 million) and $315 million in fee revenue, with an annual growth rate of $1.3 billion, reflecting a stable, low-risk component of its growth engine. Profitability indicators further highlight the progress: Adjusted EBITDA rose 46% to $210 million (27% margin), while net income reached $71 million, with a profit margin of 9% and earnings per share of $0.06.

Importantly, Sofi's Financial Services division provides breakthrough results with revenue of approximately $303 million due to the increasing adoption of its high-yield APY products, P2P payment tools, and integration with Zelle. This verifies management’s strategy to triple financial products over the past three years. Although Sofi Invest Trail trail trail trail robinhood (Hood) is positioned in the market, especially in cryptocurrency and option trading, it could still create a niche if it retains its growing membership base and enhances its product suite. In terms of technology platforms, progress remains unpleasant, annotated and modest growth, but it won’t be seen until 2026. Once investors acknowledge Sofi's scalable fintech infrastructure and the combined power of expanding financial services, the current valuation (current valuation) (current 4.1x sales) is considered highly conservative.

The FY25 guide requires revenues of $3235 to $3.31 billion, but SOFI is likely to outperform the high end based on a 6% QOQ growth forecast. Even conservative modeling points out that revenue figures in 2025 are $3.35 billion, setting the stage for $3.95 billion in 2026. Using a more appropriate 6.75x sales, similar, which is similar to the price traded earlier than 2025, which means the stock is $25, almost twice the current price. Meanwhile, Sofi predicts EBITDA of $895 million in fiscal 25, accounting for 34% of the year-on-year growth, putting it at 15.4 times EBITDA, which is cheaper than Hood, which trades more than 21 times. The stock offers a compelling setup with strong upside and limited declines, which is one of the most obvious 2x opportunities in the market today.