SoFi Technologies, Inc.

SoFi Technologies, Inc.

13.10
EUR
-0.20
(-1.49%)
0.42EPS
35.43P/E
20.55BMarket Cap
Oct 27Next 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
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 (%)
- -
- -
- -
- -
- -
- -
- -
4.35
5.01
Return on Common Equity (%)
- -
- -
- -
- -
-7.53
-6.53
8.2
5.66
7.09

Capital Structure

USD

•

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
34,216
19,851
23,480

Working Capital

USD

•

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

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

  • SoFi Stock Moves Higher: What's Going On?

  • SoFi and Prudential Financial Team up to Help Expand Access to Life Insurance for More Americans

  • Prediction: SoFi Stock Gains at Least 50% by the End of 2030

  • SoFi stock lands at a crucial support as earnings loom: will it drop further?

  • SoFi Technologies, Inc. (SOFI) Reports Next Week: Wall Street Expects Earnings Growth

  • PayPal vs. SoFi Technologies: Which Financial Stock Is a Better Buy in 2026?

  • SoFi Technologies, Inc. (SOFI) Stock Dips While Market Gains: Key Facts

  • SoFi Tech Solutions' Q3 Debit Spend Index Reflects More Spending on Higher Prices

  • SoFi: The Market Will Wake Up From Its Hangover Eventually

  • SoFi Technologies (NASDAQ:SOFI) Stock Sees Heavy Call Option Buying

  • Why Is SoFi Stock Crashing, and is it a Generational Buying Opportunity?

  • SOFI Rally Could Be a Dead Cat Bounce, Per Signal

  • SoFi Stock—Is The Steep Sell-Off Overdone?

  • SoFi Technologies Imploded in 2026: A Wall Street Pro Predicts It Will Double in 2027

  • Stock Market Today, Oct. 14: SoFi Technologies Falls on Banking Weakness

  • SoFi Falls 6% Despite StoneX Buy Initiation as Rising Yields Hit Fintech; Affirm Drops 9%, Robinhood Slides 6%

  • SoFi Stock Falls Toward Its 52-Week Low as BofA Miss Weighs on Banking Stocks

  • Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know

  • SoFi Stock Slides: What's Going On?

  • SoFi Technologies: Rising Yields Tighten Spreads, But Is It Really Dangerous?