SoFi Technologies, Inc.

SoFi Technologies, Inc.

SOFI
SoFi Technologies, Inc.US flagNASDAQ Global Select
17.29
USD
+0.19
- -
22.18BMarket Cap
SoFi Technologies, Inc.
SOFI
(NASDAQ Global Select)

Recent

price

17.29

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.32
3.81
4.87
1.87
1.75
2.23
2.49
3.14
3.3
Revenue per Share
-2.17
-2.27
-2.28
-1
-0.4
-0.36
0.46
0.42
0.48
Basic EPS, GAAP
8.69
-0.79
-4.34
-2.66
-8.16
-7.77
-1.21
-3.46
-5.31
Free Cash Flow per Basic Share
- -
0.21
0.35
0.08
0.04
0.04
0.02
- -
- -
Dividend per Share
- -
-4.09
-6.02
-2.25
-1.67
-1.91
-1.24
-0.72
-0.55
Book Value per Share
- -
-4.89
-13.12
5.74
3.32
3.49
4.28
7.38
7.4
Tangible Book Value per Share
116
116
116
527
901
945
1,050
1,150
1,194
Basic Weighted Avg Shares
269
443
566
985
1,574
2,108
2,612
3,613
3,942
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
11
16
70
102
151
201
203
234
246
Depreciation Expense
-252
-240
-224
-484
-320
-301
499
481
577
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
8.47
10.64
Effective Tax Rate (%)
-93.69
-54.15
-39.62
-49.14
-20.36
-14.27
19.09
13.32
14.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
4,924
4,571
3,697
5,148
4,877
2,718
1,449
1,429
LT Debt
- -
2,101
3,054
4,698
5,528
5,555
6,525
10,489
10,812
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
486
486
486
LT Borrowings
2,228
1,330
1,328
LT Finance Leases
93
119
101
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,205
1,271
1,281
Market Capitalization
29,485
30,100
18,966

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,640
7,360
6,449
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
- -
- -
- -
- -

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

APIChatGPT
  • SoFi Technologies, Inc. (SOFI) Advances While Market Declines: Some Information for Investors

  • SoFi: Market Still Misunderstanding Its Flywheel

  • The SoFi Story Most Investors Miss

  • SoFi Ventures Into AI Investing With Composer Acquisition

  • SoFi deepens AI-powered trading ambitions with Composer deal

  • SoFi vs. PayPal: Two Beaten-Down Fintech Stocks. Which Is the Better Comeback Story?

  • What's Going On With SoFi Stock Monday?

  • Cramer Passes On NioCorp And SoundHound — But Says One Stock Is 'Time To Buy'

  • SoFi Stock Is Rising Thursday: What's Driving The Move?

  • SoFi Technologies: I'm Buying Because I Like To Make Money

  • SoFi Technologies, Inc. (SOFI) Falls More Steeply Than Broader Market: What Investors Need to Know

  • SOFI: The Market Distrusts The Book, The Numbers Say Otherwise

  • SoFi's Productivity Loop Strengthens Customer Relationships

  • SoFi Just Helped Everyday Investors Buy Into the Largest IPO Ever. Here's Why It Matters More Than One Hot Deal.

  • SoFi CEO Buys Shares for the Fifth Time This Year

  • SoFi stock shows bottoming signs after suffering a $17 billion wipeout

  • SoFi CEO Won't Stop Buying His Own Stock

  • Monster insider trading alert for SOFI stock

  • PayPal Is Yesterday's News. Is This Fintech the Better Buy?

  • Here's What's Behind SoFi's Big Decline -- and What You Should Do About It