SoFi Technologies, Inc.

SoFi Technologies, Inc.

17.38
USD
+0.61
(+3.64%)
0.47EPS
34.91P/E
23.14BMarket Cap
Feb 01Next Earn
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
- -
Basic EPS, GAAP
-2.17
-2.27
-2.28
-1
-0.4
-0.36
0.46
0.42
- -
Free Cash Flow per Basic Share
8.69
-0.79
-4.34
-2.66
-8.16
-7.77
-1.21
-3.46
- -
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
- -
Tangible Book Value per Share
- -
-0.7
-1.88
3.65
3.2
3.38
4.1
6.68
- -
Basic Weighted Avg Shares
116
116
116
527
901
945
1,050
1,150
1,269
Sales/Revenue/Turnover
269
443
566
985
1,574
2,108
2,612
3,613
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
16
70
102
151
201
203
234
- -
Net Income, GAAP
-252
-240
-224
-484
-320
-301
499
481
- -
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
8.47
- -
Profit Margin (%)
-93.69
-54.15
-39.62
-49.14
-20.36
-14.27
19.09
13.32
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
4,924
4,571
3,697
5,148
4,877
2,718
1,449
- -
Total Equity
- -
2,101
3,054
4,698
5,528
5,555
6,525
10,489
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
4.35
- -
Return on Common Equity (%)
- -
- -
- -
- -
-7.53
-6.53
8.2
5.66
- -

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
486
486
- -
LT Borrowings
1,328
2,815
- -
LT Finance Leases
101
104
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,281
1,290
1,297
Market Capitalization
20,349
23,135
20,383

Working Capital

USD

•

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

Growth Rates

USD

•

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

USD

•

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

USD

•

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

USD

•

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
Finance
Industry
Finance/Rental/Leasing
Address
234 1st Street San Francisco CA United States 94105
IPO Date
Nov 30, 2020
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

  • Block Surges 16% on Earnings Beat and Raised Outlook; SoFi and PayPal Advance 4%

  • SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It

  • Prediction: These Will Be 3 of the Best-Performing Financial Stocks of 2027

  • Is SoFi Stock a Buy in November 2026?

  • SoFi Stock Rises as Oil Prices Calm Inflation Fears

  • SoFi Added a Record 1.2 Million Members Last Quarter. Its Stock Is Still Down More Than 30% in 2026.

  • This Up-and-Coming Tech Company Just Delivered 44% Revenue Growth, and It Has Nothing to Do With AI.

  • Upstart Drops 5% to Near 52-Week Low Ahead of Earnings; Affirm Advances 5%, SoFi Gains 4%

  • CME vs. SoFi Technologies: Which Financial Stock Is a Better Buy for 2027?

  • Is SoFi Stock a Buy After its Spectacular Investor Update?

  • SoFi Technologies: On The Brink Of A Major Profitability Breakout

  • SoFi: Silly Wall St. Games Can't Outlast Results

  • SoFi Just Made a Big Move Into Blockchain Payments. Here's What Investors Need to Know.

  • SoFi Technologies: Nobody Saw This Coming

  • SoFi Could Be Building Something Wall Street Hasn't Fully Priced In

  • SoFi Beat Across the Board and Raised Guidance. Is the Stock Still Cheap?

  • SoFi Technologies: 2027 Growth Outlook Looks Underpriced

  • Is SoFi Stock a Buy After Falling 43% in 2026?

  • SoFi Technologies: Hedges Held, Margins Widened, Upside Is Still To Come

  • SoFi's Recent 13% Upward Burst Means Execution Is Now a Must