Sophie, shares of shares on strong income, but is it overvalued now? News ad

Since the launch in public markets in 2020, Sofi Technologies Inc. Nasdak: Sophie I had to overcome the various objections of the investor. However, until 2023, a premium assessment was not one of them. Fintech was not profitable. Now that it is so, investors keep Sofi in another standard. The price of the price for use (p/e) 40x can withdraw fuel from shares Recent rallyField

Strong growth fuel bullshit

Over the past three months, the Sofi campaign has grown by more than 25%. This period includes a company’s income report in the first quarter that occurred at the end of April. Revenue in the amount of 770.72 million dollars. The United States grew by 33% compared to last year (YOY), and the strongest growth compared to SOFI business for financial services. Profit (EPS) Profit It also increased sharply from 2 cents per share to 6 cents per share.

Nevertheless, the direct management of the company is a more likely factor that contributes to the increase in shares. Sofi predicts approximately 33% growth in revenue in annual calculus in the current quarter and adjusted growth in revenue for the whole year be 25.6% at the middle point. It also predicts 27% of the adjusted EBITDA margin, which a little ahead of last year’s pace.

If investors need another thing to cheer, Sophie predicts the addition of 2.8 million members per year. This is a little less than 2024, but still supports future growth.

Overcoming objections is not new

Sophie overcame numerous objections since it became public in 2020. In fact, this is a good place to start when considering what Sophie has achieved.

Sofi Technologies has become public through the company to acquire special purpose (Spac). However, according to PitchBook, only 10% to 15% of companies that became public through Spac during this time managed to make a profit. Even if you focus on the FinTech sector, only Oppfi Inc. NYSE: OPFI may correspond to the achievement of Sophie profitability How is measured by generally accepted principles of accounting (GAAP).

Since then, the action has overcome other obstacles, including:

• Profitability – Sophie was unprofitable, which made it a risky action in the growing medium of the interest rate. Nevertheless, the company announced its first net income of GAAP in 2023 and continues to show an invariably higher clean margin.

• Sustainable income growsH-in the way the company has turned from the supplier of student loans into a bank with a full range of services, it continues to publish the two-digit growth of YOY. Sophie also shows that it does not depend on which one segment of income.

• Exposition on student loans – Many investors were scared away from Sophie’s influence on student loans in the light of a moratorium imposed in 2020. However, the bank managed to diversify its loan portfolio.

• Customer purchase costs – Sophie actively sold himself, leaving investors to think about whether it is effective to use resources.

In each case, Sophie proved that skeptics are wrong. Nevertheless, investors have seen the return in only the last 12 months. Now that they have a question, whether Sofi has become too expensive?

Does Sofi share its premium assessment?

First, good news. Even after a strong launch from April, Sofi shares decreased by about 2.7% in 2025. It seems that this will leave a place for launching for work. On the other hand, Sofi is traded above the consensus target price price price of analysts monitored by Marketbeat. This price of $ 14.73 assumes that the share can be overvalued by about 1.8%.

This is returned to the ratio of the P/E company. Sophie does not fit into the category of finance. These are financial technological actions, so a fair comparison can be promotions such as Robinhood Markets Inc. Nasdak: KapkyushonThe field these shares are traded with 47 -fold income.

The hood has grown more than 200% over the past 12 months, almost double the growth of SophieNevertheless, Robinhood analysts are predicted in the market that the price of the hood shares is 24% higher than the consensus.

The technical picture for Sofi shares is in the eye of the watching. In early June, the action showed an ascending triangular scheme, but other technical measures draw a more balanced, indefinite picture.

The long -term story of Sophie’s growth looks strongHowever, without income until the end of July, investors may want to wait for technical confirmation before taking part. A strong move above $ 15.30 may be a sign that the bull rally has legs. On the other hand, if the shares are reduced, investors will want to seek support for about $ 14.40, which was the previous point of resistance for shares.

Before considering Sofi technologies, you will want to hear it.

Marketbeat monitors the highest and most effective analysts with the most effective Wall Street analysts and promotions that they recommend to their customers daily. Marketbeat has identified five shares that leading analysts quietly whisper to their clients to buy now before the wider market wins … and Sofi Technologies was not on the list.

While Sofi Technologies currently has a retention rating among analysts, analysts with the highest rating believe that these five promotions are better buying.

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