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SoFi Technologies, Inc. logo

SoFi Technologies, Inc.

SOFI

NASDAQFinancial ServicesFinancial - Credit Services

Open in GoAI

Regular session

$18.585

−$0.325 · -1.72%

Aug 24, 12:10 PM ET

SOFI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

79

Undervalued

Momentum

45

Neutral

Sentiment

67

Bullish

Risk resilience

33

High Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Anthony J. Noto
Listed since
Jan 4, 2021
Employees
6,100

Market position

Day range

Current $18.585

52-week range

Current $18.585

Open
$18.73
Previous close
$18.91
Volume
15.67M
0.21× average
Average volume
73.78M
Average daily volume
Market cap
23.84B USD
Beta
2.2
Market reference 1
50-day average
$17.6732
+5.16% above average
200-day average
$20.5149
-9.41% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
27.12B USD
P/E (TTM)
36.44×
P/B (TTM)
2.15×
P/S (TTM)
4.27×
EV / EBITDA
35.68×
Earnings yield
1.60%
Free cash flow yield
-13.23%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
76.46%
Operating margin
13.22%
Net margin
11.40%
Return on equity
4.59%
Return on assets
0.95%
Return on invested capital
3.79%

Financial health

Debt / equity
0.31×
Current ratio
0.24×
Altman Z-score
-0.35
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%50%-4%-58%Gross margin, FY2021: 89.85%Gross margin, FY2022: 86.18%Gross margin, FY2023: 70.86%Gross margin, FY2024: 69.68%Gross margin, FY2025: 75.12%Operating margin, FY2021: -44.24%Operating margin, FY2022: -18.08%Operating margin, FY2023: -10.39%Operating margin, FY2024: 6.30%Operating margin, FY2025: 11.03%Net margin, FY2021: -44.49%Net margin, FY2022: -18.18%Net margin, FY2023: -10.38%Net margin, FY2024: 13.46%Net margin, FY2025: 10.09%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.85%. Gross margin FY2022 86.18%. Gross margin FY2023 70.86%. Gross margin FY2024 69.68%. Gross margin FY2025 75.12%. Operating margin FY2021 -44.24%. Operating margin FY2022 -18.08%. Operating margin FY2023 -10.39%. Operating margin FY2024 6.30%. Operating margin FY2025 11.03%. Net margin FY2021 -44.49%. Net margin FY2022 -18.18%. Net margin FY2023 -10.38%. Net margin FY2024 13.46%. Net margin FY2025 10.09%.

Income trends

Revenue

4.77B USD+28.78%

Operating income

525.86M USD+125.36%

Net income

481.32M USD-3.48%
Income trends across reported periods5.29B USD3.19B USD1.09B USD−1.01B USDRevenue, FY2021: 1.09B USDRevenue, FY2022: 1.76B USDRevenue, FY2023: 2.9B USDRevenue, FY2024: 3.7B USDRevenue, FY2025: 4.77B USDOperating income, FY2021: −481.18M USDOperating income, FY2022: −318.72M USDOperating income, FY2023: −301.16M USDOperating income, FY2024: 233.35M USDOperating income, FY2025: 525.86M USDNet income, FY2021: −483.94M USDNet income, FY2022: −320.41M USDNet income, FY2023: −300.74M USDNet income, FY2024: 498.67M USDNet income, FY2025: 481.32M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.09B USD. Revenue FY2022 1.76B USD. Revenue FY2023 2.9B USD. Revenue FY2024 3.7B USD. Revenue FY2025 4.77B USD. Operating income FY2021 −481.18M USD. Operating income FY2022 −318.72M USD. Operating income FY2023 −301.16M USD. Operating income FY2024 233.35M USD. Operating income FY2025 525.86M USD. Net income FY2021 −483.94M USD. Net income FY2022 −320.41M USD. Net income FY2023 −300.74M USD. Net income FY2024 498.67M USD. Net income FY2025 481.32M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.77B USD3.7B USD2.9B USD1.76B USD1.09B USD
Cost of goods sold1.19B USD1.12B USD844.27M USD243.61M USD110.35M USD
Gross profit3.58B USD2.58B USD2.05B USD1.52B USD977.3M USD
Selling, general, and administrative1.8B USD1.4B USD1.23B USD1.12B USD925.41M USD
Operating expenses3.06B USD2.35B USD2.35B USD1.84B USD1.46B USD
Interest income3.38B USD2.81B USD2.05B USD773.37M USD355.02M USD
Interest expense1.16B USD1.09B USD789.33M USD189.28M USD102.78M USD
Depreciation and amortization234.15M USD203.5M USD201.42M USD151.36M USD101.57M USD
Operating income525.86M USD233.35M USD−301.16M USD−318.72M USD−481.18M USD
Net income481.32M USD498.67M USD−300.74M USD−320.41M USD−483.94M USD

Company facts updated Aug 24, 2026.

SOFI news

etftrends.com

Dividends Are Found in the Tried & True

I got the weirdest email on Monday: No, thanks. I absolutely do not want to start banking with a social media company.

Read source
defenseworld.net

126,401 Shares in SoFi Technologies, Inc. $SOFI Purchased by Allworth Financial LP

Allworth Financial LP purchased a new stake in SoFi Technologies, Inc. (NASDAQ: SOFI) during the second quarter, according to its most recent disclosure with the SEC. The firm purchased 126,401 shares of the company's…

Read source
247wallst.com

One Wall Street Analyst Thinks SoFi Stock Could Jump 20%. Here's Why.

SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) has set up attractively after a brutal first half of 2026.

Read source
https://thefly.com

Cboe data suggests bullish flow in SoFi Technologies with shares up 5.75%

Cboe data suggests bullish flow in SoFi Technologies (SOFI), with shares up $1.03, or 5.75%, near $18.95. Options volume more than double the daily average with 534k contracts traded and calls leading puts for a put/call…

Read source
247wallst.com

SoFi Climbs 5% as Robinhood Spikes 13%, Affirm Ticks Up: Is There a Crypto Connection Here?

Fintech is Friday's sympathy trade, driven by Bitcoin‘s (CRYPTO:BTC)'s breakout pulling capital into retail brokerages and crypto-linked fintech corners.

Read source
reuters.com

Bitcoin, crypto shares climb after Trump pushes Clarity Act

Cryptocurrency and blockchain-related stocks surged in premarket trading on Thursday after U.S. President Donald Trump urged Congress to ​pass legislation establishing clear rules for the digital asset sector, ‌following…

Read source

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ETFs holding SOFI

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
666.52M
Weight
0.03%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.54-0.19%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
480.68M
Weight
0.26%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$303.09-0.55%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
278.04M
Weight
0.62%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$354.71-1.10%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
241.03M
Weight
0.25%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.79-0.71%
iShares Russell Mid-Cap ETF logoiShares Russell Mid-Cap ETFIWR
Market value
97.17M
Weight
0.17%
AUM
57.66B USD
Expense ratio
0.18%
Price / 1D
$113.01-0.37%
Schwab U.S. Large-Cap Growth ETF logoSchwab U.S. Large-Cap Growth ETFSCHG
Market value
58.96M
Weight
0.09%
AUM
62.32B USD
Expense ratio
0.04%
Price / 1D
$35.28-0.11%
iShares Russell 1000 Value ETF logoiShares Russell 1000 Value ETFIWD
Market value
46.66M
Weight
0.06%
AUM
83.81B USD
Expense ratio
0.18%
Price / 1D
$258.19+0.35%
ARK Innovation ETF logoARK Innovation ETFARKK
Market value
41.51M
Weight
0.63%
AUM
5.56B USD
Expense ratio
0.75%
Price / 1D
$84.88-1.54%

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