SOFI SOFI
Company Profile ↓Company Overview
SOFI (SOFI) is a publicly traded company listed on with a market capitalization of $23.19B. The valuation, growth and price-trend signals below summarize what matters most to investors and traders evaluating the stock.
Why Investors Should Care
Revenue has grown at a 280.7% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.18.
Recent Developments
- Dec 2025 Revenue of $3.61B (+38.3% YoY); net profit $481.32M.
- Trailing 12 Months Year-on-year growth — revenue +38.3%, earnings -3.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 280.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 280.68% |
| 1 Year: | 38.32% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -3.48% |
Stock Price Performance
| 1 Year: | -14.04% |
| 6 Months: | -16.13% |
| 3 Months: | +13.92% |
| 1 Month: | +2.82% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)55.91 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 280.7% over 5 years.
CONS
- Trading 43.3% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19.05M | 39.01M | 54.23M | 61.45M | 61.19M | 77.02M | 98.42M | 102.00M | 95.48M | 104.69M | 104.94M | 115.61M | 120.78M | 131.22M | - | 771.76M | 854.94M | 961.60M | 1.03B | 1.10B | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | -5.29M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 265.09M | 274.57M | 306.45M | 310.14M | 308.01M | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 79.78M | 112.19M | 148.55M | 185.33M | 199.55M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 8.67M | 14.93M | 9.16M | 11.78M | 32.82M | - |
| Net Income | 7.81M | -42.88M | -177.56M | -165.31M | -30.05M | -110.36M | -95.83M | -74.21M | -34.42M | -47.55M | -266.68M | 88.04M | 17.40M | 60.74M | - | 71.12M | 97.26M | 139.39M | 173.55M | 166.73M | - |
| Diluted EPS | -0.03 | -0.70 | -1.61 | -0.48 | -0.05 | -0.14 | -0.12 | -0.09 | -0.05 | -0.06 | -0.29 | 0.02 | 0.01 | 0.05 | - | - | 0.08 | 0.11 | 0.13 | 0.12 | 0.12 |
| R&D Expense | 47.83M | 55.43M | 65.95M | 69.39M | 74.43M | 81.91M | 99.37M | 110.70M | 117.06M | 126.84M | 125.70M | 130.92M | 132.17M | 139.71M | - | 156.21M | 152.15M | 167.14M | - | 187.68M | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 4.52M | 103.33M | - | 1.57B | 2.11B | 2.61B | 3.61B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | 189.28M | 789.33M | 1.09B | 1.16B |
| Pretax Income | - | - | - | -318.72M | -301.16M | 233.34M | 525.86M |
| Tax Provision | - | - | - | 1.69M | -416.00K | -265.32M | 44.54M |
| Net Income | -239.70M | -224.05M | - | -320.41M | -300.74M | 498.67M | 481.32M |
| Diluted EPS | -4.02 | -4.30 | - | -0.40 | -0.36 | 0.39 | 0.39 |
| R&D Expense | 147.46M | 201.20M | 276.09M | 405.26M | 511.42M | 551.79M | 648.33M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Jul 2020 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | - | 8.56B | - | 19.01B | 30.07B | 36.25B | 50.66B |
| Current Assets | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | 499.49M | 0 | 872.58M | - | 1.42B | 3.09B | 2.54B | 4.93B |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 127.05M | 169.85M | 587.50M | 893.48M |
| Total Liabilities | - | - | - | 5.51B | - | 13.48B | 24.52B | 29.73B | 40.17B |
| Current Liabilities | - | - | - | 183.45K | - | - | - | - | - |
| Long Term Debt | - | - | - | 4.80B | - | 5.02B | 4.75B | 2.61B | 1.33B |
| Total Debt | - | - | - | - | - | 5.63B | 5.36B | 3.20B | 1.93B |
| Total Equity | -68.42M | -339.06M | 0 | -120.11M | - | 5.53B | 5.55B | 6.53B | 10.49B |
| Shares Outstanding | - | - | - | - | - | 933.90M | 975.86M | 1.10B | 1.27B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -54.73M | -479.34M | - | -7.26B | -7.23B | -1.12B | -3.74B |
| Investing Cash Flow | 114.87M | 258.95M | - | -106.33M | -1.89B | -4.82B | -6.72B |
| Financing Cash Flow | 93.08M | 853.75M | - | 8.44B | 10.89B | 5.03B | 13.11B |
| Capital Expenditure | - | - | - | -103.73M | -121.19M | -163.62M | -251.12M |
| Free Cash Flow | - | - | - | -7.36B | -7.35B | -1.28B | -3.99B |
| Net Change in Cash | - | - | - | 1.08B | 1.77B | -906.22M | 2.65B |
| Share Buybacks | 8.80M | 40.00K | 526.00K | 0 | 0 | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - |
| Net Margin % | -5,303.0% | -216.8% | - | -20.4% | -14.3% | 19.1% | 13.3% |
| ROE % | 70.7% | 186.5% | - | -5.8% | -5.4% | 7.6% | 4.6% |
| ROCE % | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SOFI
SoFi's Price Has Already Made A Call; Its Earnings Haven't (NASDAQ:SOFI) - Seeking Alpha
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SOFI Stock Price Forecast – What Technical Indicators Say Post Q2 Earnings - TipRanks
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SoFi: More Wall St. Games (NASDAQ:SOFI) - Seeking Alpha
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Prediction: SoFi Technologies Stock Will Double Within 1 Year - The Motley Fool
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SOFI — Frequently Asked Questions
What is the current share price of SOFI?
As of 2026-08-05 17:25 PDT, SOFI trades at $18.25 on NASDAQ/NYSE. Its 52-week range is $15.15 to $32.21.
What is the market capitalisation of SOFI?
SOFI has a market capitalisation of $23.19B on NASDAQ/NYSE.
What is the P/E ratio of SOFI?
SOFI trades at a trailing price-to-earnings (P/E) ratio of 46.79. Its price-to-book (P/B) ratio is 2.21.
What is the return on equity (ROE) of SOFI?
SOFI has a return on equity (ROE) of 4.59%.
Is SOFI a good stock to buy?
This page provides a data-driven analysis of SOFI, including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.