SoFi Technologies, Inc.

SoFi Technologies, Inc.

SOFI
SoFi Technologies, Inc.US flagNASDAQ Global Select
16.80
USD
+0.25
- -
21.55BMarket Cap
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.32
3.81
4.87
1.87
1.75
2.23
2.49
3.14
3.48
Basic EPS, GAAP
-2.17
-2.27
-2.28
-1
-0.4
-0.36
0.46
0.42
0.51
Free Cash Flow per Basic Share
8.69
-0.79
-4.34
-2.66
-8.16
-7.77
-1.21
-3.46
-7.1
Dividend per Share
- -
0.21
0.35
0.08
0.04
0.04
0.02
- -
- -
Book Value per Share
- -
-0.42
-0.15
5.29
5.58
5.36
5.96
8.26
8.58
Tangible Book Value per Share
- -
-0.7
-1.88
3.65
3.2
3.38
4.1
6.68
7.02
Basic Weighted Avg Shares
116
116
116
527
901
945
1,050
1,150
1,239
Sales/Revenue/Turnover
269
443
566
985
1,574
2,108
2,612
3,613
4,306
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
16
70
102
151
201
203
234
263
Net Income, GAAP
-252
-240
-224
-484
-320
-301
499
481
636
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
8.47
13.76
Profit Margin (%)
-93.69
-54.15
-39.62
-49.14
-20.36
-14.27
19.09
13.32
14.78
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
4,924
4,571
3,697
5,148
4,877
2,718
1,449
2,919
Total Equity
- -
2,101
3,054
4,698
5,528
5,555
6,525
10,489
11,076
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
-7.53
-6.53
8.2
5.66
7.09

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
486
486
486
LT Borrowings
1,330
1,328
2,815
LT Finance Leases
119
101
104
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,271
1,281
1,290
Market Capitalization
33,263
20,349
23,135

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,360
6,449
7,352
Accounts Receivable, Net
893
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
454
- -
- -
ST Debt
486
486
486
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
30.04%
60.76%
Free Cash Flow
- -
146.47%
212.77%
Net Income, GAAP
- -
-38.65%
-3.48%
Sales/Revenue/Turnover
- -
46.03%
38.32%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
586
599
694
734
2,612
2025
772
855
962
1,025
3,613
2026
1,100
1,219
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.01
0.06
0.31
0.46
2025
0.06
0.09
0.12
0.14
0.42
2026
0.13
0.12
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.02
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Anthony J. Noto
Full Time Employees
6,100
Sector
Financial Services
Industry
Financial - Credit Services
Address
234 1st Street San Francisco CA United States of America 94105
IPO Date
Jan 4, 2021
Website
sofi.com
Business
SoFi Technologies, Inc. SoFi Technologies, Inc. (SOFI) operates as a digital financial services platform offering lending, technology platform, and financial services segments to consumers and institutions across the United States with expanding international presence in regions including Latin America and Hong Kong; headquartered in San Francisco, California since its founding in 2011. The Lending segment provides personal loans, student loan refinancing, home loans, mortgages, auto loan refinancing, and related servicing; the Technology Platform segment delivers cloud-native digital and core banking solutions, event and authorization platforms via APIs, and loan origination services for third parties including prequalified borrower referrals; the Financial Services segment encompasses SoFi Checking and Savings accounts, SoFi Invest for active and automated investing including stocks and digital assets, SoFi Credit Card, SoFi Relay for personal finance management, credit score monitoring, budgeting tools, insurance offerings, and estate planning referrals. In recent developments, SoFi secured a landmark up to $5 billion loan platform agreement with Blue Owl Capital in 2025 to scale fee-based revenue through borrower referrals and third-party originations while retaining servicing rights; announced a major partnership with Southwest Airlines in Q3 2025 to power embedded financial products via its technology platform, targeting predictable revenue growth into 2026; and reported record Q3 2025 net revenue of $962 million with member additions reaching 12.6 million, underscoring strategic expansions in institutional alliances and digital banking scale.

Company News

  • SoFi Built a Bank, a Card Program, and a Stablecoin, but the Stock Struggles to Budge

  • Is the Market Right or Wrong About These 4 High Short Interest Stocks?

  • SoFi Bets $25 Billion on Putting Stablecoins Behind the Card Swipe

  • Sensitive Sector: Why Are Upstart, Affirm, and SoFi Dropping Faster Than the Broader Equities Market?

  • Consumer Lending Stocks Slide While Financials Barely Budge: Upstart and Affirm Drop 4%, SoFi Eases

  • SoFi Brings SoFiUSD to Mastercard: Can It Unlock a New Growth Engine?

  • What's Going On with SoFi Stock Wednesday?

  • Financial Ambitions Haven't Changed, The Playbook Has: SoFi Study Reveals Younger Generations Are Redefining the American Dream

  • SoFi Technologies Maintains Strong Credit Quality: Can It Persist?

  • ‘Crypto Hurdle’ Solved: SoFi Is First Bank Deploying Stablecoin Settlement Across Mastercard Network

  • Mastercard and SoFi Bring Stablecoin Settlement to Cards as Step One of Broader Rollout

  • SoFi Rises 5% After Getting Cut in Half: Is SOFI Stock Set to Double From Here?

  • Buying SOFI Is Like Buying 'AMD or Nvidia' at the Bottom: Strategists Highlight Bold Bull Case for SoFi Technologies

  • SoFi Becomes First National Bank to Go Live with Stablecoin Settlement across Mastercard's Global Payments Network

  • Bitcoin Hit $85,000 Today — SoFi Stock Barely Moved

  • SoFi Technologies, Inc. (NASDAQ:SOFI) Given Average Rating of “Hold” by Brokerages

  • Prediction: The Best-Performing Big Bank Stock of the Next 2 Years Is Not JPMorgan Chase

  • SoFi Technologies (NASDAQ:SOFI) Shares Up 1.4% – Should You Buy?

  • Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.

  • Is SoFi Technologies Stock a Buy, Sell, or Hold 49% Below Its 52-Week High?