SoFi Technologies, Inc. SOFI R3KFINANCIAL
Company Overview
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Why Investors Should Care
Revenue has grown at a 280.7% CAGR over the past five years.
Operating margin of 17.0% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.31.
Recent Developments
- Dec 2025 Revenue of $3.61B (+38.3% YoY); net profit $481.32M.
- Trailing 12 Months Year-on-year growth — revenue +42.6%, earnings +40.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 280.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 280.68% |
| 1 Year: | 42.60% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 40.40% |
Stock Price Performance
| 1 Year: | -24.36% |
| 6 Months: | -4.15% |
| 3 Months: | +9.15% |
| 1 Month: | -2.01% |
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)49.69 · Neutral
P/E of 36.76 is above the sector median of 12.89 — pricier than peers.
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 44.1% 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
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SOFI SoFi Technologies, Inc. R3KFINANCIAL | 18.01 | 36.76 | $23.26B | 0.00% | - | 7.09% | 280.68% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 5.61% | 72.44M | $1.23B |
| 2 | Vanguard Capital Management LLC | 4.49% | 57.93M | $982.47M |
| 3 | Vanguard Portfolio Management LLC | 3.93% | 50.74M | $860.55M |
| 4 | Goldman Sachs Group Inc | 2.73% | 35.21M | $597.12M |
| 5 | UBS Group AG | 2.72% | 35.17M | $596.45M |
| 6 | State Street Corporation | 2.23% | 28.76M | $487.83M |
| 7 | Geode Capital Management, LLC | 1.81% | 23.36M | $396.12M |
| 8 | Morgan Stanley | 1.51% | 19.52M | $331.08M |
| 9 | Shaw D.E. & Co., Inc. | 1.14% | 14.69M | $249.17M |
| 10 | NORGES BANK | 1.06% | 13.63M | $231.17M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SOFI
Jim Cramer on SoFi (SOFI): “I’ve Been a Longtime Believer in This One” - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMikgFBVV95cUxNUGhFcXFSM05pdlFSLWRZQUs4OXgzVkhOSk1TSG9wcXZwZXZ2V3FWMXJPR1BNcXp0N1A1c3Y2MzNuZzV5cGRGSUJIc0J1aXZzVEhYV1BPU1M5bzhxZXYzNWU0OWYxQ1RqMGhDTld5WkVLOEhXRGdPcy14dUpkZU1WdlYtdEdsenM5Ml85dj…
Why It’s Time to Load Up on SoFi Stock - Barchart.com
<a href="https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMFZmVVJ2dy1BaE1sVU14d2NVS3ZCSlR1Ulk0ekhuMjNDeVZUY25xOUtTN3NtYjZUWHM3VlRrenZzb1hQeDByZ3phNHl3dThZbllodkRDbUYyRC1qYjR6NjFiZGYzTWx4ZzVUa1dmY2NCQTJrc0MweE54SnMtWVlGOExFaUFQVTBy?oc=5"…
SoFi stock surges on Notre Dame deal, Kraken partnership - eciks.org
<a href="https://news.google.com/rss/articles/CBMiaEFVX3lxTE4wb214VFNJN1laNTFMMlJBcmNfaHlUdHhFbGVJM0pWaEh0TWhYd3NQQk1TZGFfek1HQWk3SEtHb3NaSEFrcnRPSVlPNU5veFBZNENnMFA2UTZ6WDZ4WGhDNGZWdE5VbUln?oc=5" target="_blank">SoFi stock surges on Notre …
SoFi Technologies (NASDAQ:SOFI) Stock Price Down 1.2% - Time to Sell? - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxPN2JTd0ZkVnBWcHgyYmV4Wkoxd1Y3enNtWWoyb0JnTE5oQ3NkbUZpc29mLWJ4Z0Y0aTZJNVFBSTZJaXR4X24tZlNtcDctOW1GeVlwbzBaaWpTTFkzY0g2cTlGaHdVejN5dm9aaFRNUURmUzJjeHBGM01RLWItQmZobHNjSHlFUDlMWDZWWX…
Should Crypto Platform Listing Require Action From SoFi Stock Investors? - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi6gFBVV95cUxPZlhhcVE1TTZUMXNHNW1PZ2VvLVFmYldBZTFFVHVOallKNURmaGNoaWdGYVI2bURUaHFJQUYwRGxYVkVFRkpITk8zVk1HNGwxOC1JRTc5a2V6VnFxVUlpRHd0ZkNiSkpOZG93eTJzZFJra2Q4aDgweG9xRElxQTh1aDZzRjg0SlFtWXZsaz…
SoFi Technologies: Growth Is Doing The Heavy Lifting, And I Am Buying The Setup (SOFI) - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxNZUQ2blc3TVNUOS1venN3MjI5UHo5cVQ3UnFMV1Bja1BWOUswakJoS2FWNUpMTEd0Q2VudTdaMU9RLVZ0R0w5UHR3TFE2OFlJLWhQV2FZYnhfOUlBUkhORlNQMlcxeDlDT19HX2xGcU1MVE5Ecmk3UXVlNVRPbmFwdnNqd1NEeFp1dno3TE…
SOFI — Frequently Asked Questions
What is the current share price of SoFi Technologies, Inc. (SOFI)?
As of 2026-09-19 21:16 PDT, SoFi Technologies, Inc. (SOFI) trades at $18.01 on NasdaqGS. Its 52-week range is $15.15 to $32.21.
What is the market capitalisation of SOFI?
SoFi Technologies, Inc. (SOFI) has a market capitalisation of $23.26B on NasdaqGS.
What is the P/E ratio of SOFI?
SOFI trades at a trailing price-to-earnings (P/E) ratio of 36.76. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.98.
What is the return on equity (ROE) of SOFI?
SOFI has a return on equity (ROE) of 7.09%.
Is SOFI a good stock to buy?
This page provides a data-driven analysis of SoFi Technologies, Inc. (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.