Symbols / SOFI Stock $15.87 +4.78% SoFi Technologies, Inc.

Financial Services • Credit Services • United States • NMS
SOFI (Stock) Chart
About

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.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Credit Services Market Cap 20.24B
Enterprise Value 16.26B Income 481.32M Sales 3.58B
Book/sh 8.26 Cash/sh 3.92 Dividend Yield —
Payout 0.00% Employees 6100 IPO —
P/E 40.70 Forward P/E 19.60 PEG —
P/S 5.65 P/B 1.92 P/C —
EV/EBITDA — EV/Sales 4.54 Quick Ratio 0.55
Current Ratio 1.18 Debt/Eq 18.49 LT Debt/Eq —
EPS (ttm) 0.39 EPS next Y 0.81 EPS Growth -57.00%
Revenue Growth 40.20% Earnings 2026-04-28 ROA 1.11%
ROE 5.66% ROIC — Gross Margin 83.00%
Oper. Margin 18.18% Profit Margin 13.43% Shs Outstand 1.28B
Shs Float 1.26B Short Float 11.09% Short Ratio 2.09
Short Interest — 52W High 32.73 52W Low 8.60
Beta 2.26 Avg Volume 64.58M Volume 40.15M
Target Price $25.32 Recom Hold Prev Close $15.15
Price $15.87 Change 4.78%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$25.33
Mean price target
2. Current target
$15.62
Latest analyst target
3. DCF / Fair value
$5.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$15.62
Low
$12.00
High
$38.00
Mean
$25.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-19 init Wells Fargo — → Equal-Weight $19
2026-02-18 main Truist Securities Hold → Hold $21
2026-02-09 up Citizens Market Perform → Market Outperform $30
2026-02-03 up JP Morgan Neutral → Overweight $31
2026-02-02 main Needham Buy → Buy $33
2026-01-06 main Barclays Equal-Weight → Equal-Weight $28
2026-01-06 main Goldman Sachs Neutral → Neutral $24
2025-11-25 main Truist Securities Hold → Hold $28
2025-11-04 main Truist Securities Hold → Hold $31
2025-10-30 main UBS Neutral → Neutral $28
2025-10-29 main Citigroup Buy → Buy $37
2025-10-29 main Goldman Sachs Neutral → Neutral $27
2025-10-29 main Keefe, Bruyette & Woods Underperform → Underperform $20
2025-10-29 main JP Morgan Neutral → Neutral $28
2025-10-29 main Barclays Equal-Weight → Equal-Weight $23
2025-10-29 main Needham Buy → Buy $36
2025-10-29 reit BTIG Neutral → Neutral —
2025-10-24 main Truist Securities Hold → Hold $29
2025-10-24 main JP Morgan Neutral → Neutral $26
2025-10-15 main Keefe, Bruyette & Woods Underperform → Underperform $18
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-20 KEOUGH KELLI ALLEN Officer — 9,742 $16.94 $165,066
2026-03-18 RISHEL JEREMY DYLAN Chief Technology Officer — 94,958 $17.43 $1,655,118
2026-03-17 NOTO ANTHONY J. Chief Executive Officer — 28,900 $17.32 $500,516
2026-03-16 LAPOINTE CHRISTOPHER Chief Financial Officer — 155,907 — —
2026-03-16 RISHEL JEREMY DYLAN Chief Technology Officer — 300,500 — —
2026-03-16 PINTO ARUN Officer — 11,434 — —
2026-03-16 KEOUGH KELLI ALLEN Officer — 122,188 — —
2026-03-16 LAVET ROBERT S General Counsel — 36,057 — —
2026-03-16 NOTO ANTHONY J. Chief Executive Officer — 459,848 — —
2026-03-02 NOTO ANTHONY J. Chief Executive Officer — 56,000 $17.88 $1,001,515
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,613.35
+38.32%
2,612.34
+23.91%
2,108.22
+33.98%
1,573.54
Operating Revenue
3,613.35
+38.32%
2,612.34
+23.91%
2,108.22
+33.98%
1,573.54
Selling General And Administration
1,799.85
+28.89%
1,396.38
+13.49%
1,230.41
+9.91%
1,119.44
Selling And Marketing Expense
1,095.41
+37.56%
796.29
+10.69%
719.40
+16.44%
617.82
General And Administrative Expense
704.44
+17.39%
600.09
+17.43%
511.01
+1.87%
501.62
Other Gand A
704.44
+17.39%
600.09
+17.43%
511.01
+1.87%
501.62
Reconciled Depreciation
234.15
+15.06%
203.50
+1.03%
201.42
+33.07%
151.36
Total Unusual Items
-8.05
-113.72%
58.69
+122.77%
-257.70
-1234.01%
-19.32
Total Unusual Items Excluding Goodwill
-8.05
-113.72%
58.69
+122.77%
-257.70
-1234.01%
-19.32
Special Income Charges
-8.05
-113.72%
58.69
+122.77%
-257.70
-1234.01%
-19.32
Other Special Charges
—
—
10.97
—
Impairment Of Capital Assets
0.00
0.00
-100.00%
248.42
0.00
Restructuring And Mergern Acquisition
8.05
+110.34%
3.83
-83.96%
23.86
+23.52%
19.32
Net Income
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Pretax Income
525.86
+125.36%
233.34
+177.48%
-301.16
+5.51%
-318.72
Net Interest Income
2,218.96
+29.27%
1,716.48
+36.04%
1,261.74
+116.02%
584.10
Interest Expense
1,156.24
+5.95%
1,091.34
+38.26%
789.33
+317.03%
189.28
Interest Income
3,375.20
+20.21%
2,807.82
+36.90%
2,051.07
+165.21%
773.37
Gain On Sale Of Security
—
—
—
-40.03
Tax Provision
44.54
+116.79%
-265.32
-63678.85%
-0.42
-124.67%
1.69
Tax Rate For Calcs
0.00
-59.52%
0.00
+14900.00%
0.00
-99.33%
0.00
Tax Effect Of Unusual Items
-0.68
-105.55%
12.32
+3516.06%
-0.36
+91.11%
-4.06
Net Income Including Noncontrolling Interests
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Net Income From Continuing Operation Net Minority Interest
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Net Income From Continuing And Discontinued Operation
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Net Income Continuous Operations
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Normalized Income
488.69
+8.04%
452.30
+1142.22%
-43.40
+85.78%
-305.15
Net Income Common Stockholders
481.32
+0.46%
479.14
+240.44%
-341.17
+5.45%
-360.83
Otherunder Preferred Stock Dividend
—
3.03
—
—
Diluted EPS
0.39
+0.00%
0.39
+208.33%
-0.36
+10.00%
-0.40
Basic EPS
0.42
-8.70%
0.46
+227.78%
-0.36
+10.00%
-0.40
Basic Average Shares
1,150.14
+9.51%
1,050.22
+11.13%
945.02
+4.90%
900.89
Diluted Average Shares
1,251.77
+13.65%
1,101.39
+16.55%
945.02
+4.90%
900.89
Diluted NI Availto Com Stockholders
482.70
+11.02%
434.78
+227.44%
-341.17
+5.45%
-360.83
Average Dilution Earnings
1.38
+103.11%
-44.36
0.00
0.00
Other Non Interest Expense
1,249.28
+23.74%
1,009.59
+16.54%
866.31
+23.91%
699.16
Preferred Stock Dividends
—
16.50
-59.18%
40.42
+0.00%
40.42
Line Item Trend 2023-12-31
Total Assets
30,074.86
Cash And Cash Equivalents
3,085.02
Other Short Term Investments
500.94
Receivables
169.85
Accounts Receivable
169.85
Other Receivables
—
Prepaid Assets
112.75
Net PPE
306.54
Gross PPE
481.14
Accumulated Depreciation
-174.60
Buildings And Improvements
3.19
Machinery Furniture Equipment
334.17
Construction In Progress
—
Other Properties
104.73
Leases
39.05
Goodwill And Other Intangible Assets
1,938.02
Goodwill
1,393.51
Other Intangible Assets
544.52
Investments And Advances
724.86
Long Term Equity Investment
22.92
Total Liabilities Net Minority Interest
24,519.87
Payables And Accrued Expenses
362.17
Payables
159.91
Accounts Payable
159.91
Current Accrued Expenses
202.26
Current Debt And Capital Lease Obligation
486.00
Current Debt
486.00
Long Term Debt And Capital Lease Obligation
4,876.63
Long Term Debt
4,754.81
Long Term Capital Lease Obligation
121.82
Non Current Deferred Liabilities
45.95
Non Current Deferred Revenue
5.72
Non Current Deferred Taxes Liabilities
40.23
Preferred Securities Outside Stock Equity
—
Stockholders Equity
5,554.99
Common Stock Equity
5,234.61
Capital Stock
320.47
Common Stock
0.10
Preferred Stock
320.37
Share Issued
975.86
Ordinary Shares Number
975.86
Treasury Shares Number
0.00
Additional Paid In Capital
7,039.99
Retained Earnings
-1,804.26
Gains Losses Not Affecting Retained Earnings
-1.21
Total Equity Gross Minority Interest
5,554.99
Total Capitalization
10,309.80
Invested Capital
10,475.42
Total Debt
5,362.63
Net Debt
2,155.79
Capital Lease Obligations
121.82
Net Tangible Assets
3,616.96
Tangible Book Value
3,296.59
Available For Sale Securities
200.99
Cash Cash Equivalents And Federal Funds Sold
3,699.13
Derivative Product Liabilities
107.81
Line Of Credit
486.00
Notes Receivable
—
Preferred Shares Number
3.23
Preferred Stock Equity
320.37
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-3,742.46
-234.21%
-1,119.81
+84.51%
-7,227.14
+0.40%
-7,255.86
Cash Flow From Continuing Operating Activities
-3,742.46
-234.21%
-1,119.81
+84.51%
-7,227.14
+0.40%
-7,255.86
Net Income From Continuing Operations
481.32
-3.48%
498.67
+265.81%
-300.74
+6.14%
-320.41
Depreciation Amortization Depletion
234.15
+15.06%
203.50
+1.03%
201.42
+33.07%
151.36
Depreciation And Amortization
234.15
+15.06%
203.50
+1.03%
201.42
+33.07%
151.36
Other Non Cash Items
-326.10
-141.86%
-134.83
-305.49%
-33.25
-186.76%
38.33
Stock Based Compensation
262.06
+6.46%
246.15
-9.24%
271.22
-11.37%
305.99
Asset Impairment Charge
0.00
0.00
-100.00%
247.17
0.00
Deferred Tax
16.19
+105.64%
-286.92
-1712.72%
-15.83
-352.49%
-3.50
Deferred Income Tax
16.19
+105.64%
-286.92
-1712.72%
-15.83
-352.49%
-3.50
Operating Gains Losses
—
-62.52
-328.96%
-14.57
—
Unrealized Gain Loss On Investment Securities
-1.96
+30.93%
-2.84
-5820.83%
-0.05
-100.35%
13.60
Change In Working Capital
-4,438.43
-175.21%
-1,612.73
+78.88%
-7,637.45
-1.89%
-7,495.56
Change In Receivables
-45.31
-85.14%
-24.47
+67.08%
-74.35
0.00
Changes In Account Receivables
-45.31
-85.14%
-24.47
+67.08%
-74.35
0.00
Change In Payables And Accrued Expense
—
23.55
-44.04%
42.09
+561.24%
6.37
Change In Payable
—
23.55
-44.04%
42.09
+561.24%
6.37
Change In Account Payable
—
23.55
-44.04%
42.09
+561.24%
6.37
Change In Other Current Assets
-136.72
+77.95%
-620.11
-1571.00%
-37.11
+3.50%
-38.46
Change In Other Current Liabilities
140.46
+496.37%
23.55
-44.04%
42.09
—
Investing Cash Flow
-6,719.11
-39.37%
-4,820.99
-155.10%
-1,889.86
-1677.31%
-106.33
Cash Flow From Continuing Investing Activities
-6,719.11
-39.37%
-4,820.99
-155.10%
-1,889.86
-1677.31%
-106.33
Net PPE Purchase And Sale
-242.44
-57.16%
-154.26
-38.47%
-111.41
-19.54%
-93.20
Purchase Of PPE
-242.44
-57.16%
-154.26
-38.47%
-111.41
-19.54%
-93.20
Capital Expenditure
-251.12
-53.48%
-163.62
-35.01%
-121.19
-16.83%
-103.73
Capital Expenditure Reported
-8.67
+7.26%
-9.35
+4.41%
-9.78
+7.11%
-10.53
Net Investment Purchase And Sale
-578.50
+49.76%
-1,151.58
-244.83%
-333.95
-396.62%
112.59
Purchase Of Investment
-1,770.01
+20.57%
-2,228.30
-156.99%
-867.06
-1827.91%
-44.97
Sale Of Investment
1,191.51
+10.66%
1,076.72
+101.97%
533.11
+238.35%
157.56
Net Business Purchase And Sale
0.00
0.00
+100.00%
-72.30
-223.51%
58.54
Purchase Of Business
0.00
0.00
+100.00%
-72.30
—
Net Other Investing Changes
—
—
—
—
Financing Cash Flow
13,109.33
+160.39%
5,034.58
-53.75%
10,885.60
+28.98%
8,439.49
Cash Flow From Continuing Financing Activities
13,109.33
+160.39%
5,034.58
-53.75%
10,885.60
+28.98%
8,439.49
Net Issuance Payments Of Debt
-1,286.71
+13.69%
-1,490.72
-432.74%
-279.82
-120.86%
1,341.60
Issuance Of Debt
0.00
-100.00%
845.25
+62.38%
520.55
-71.99%
1,858.45
Repayment Of Debt
-1,286.71
+44.92%
-2,335.97
-191.86%
-800.37
-54.85%
-516.85
Long Term Debt Issuance
0.00
-100.00%
845.25
+62.38%
520.55
-71.99%
1,858.45
Long Term Debt Payments
-1,286.71
+44.92%
-2,335.97
-191.86%
-800.37
-54.85%
-516.85
Net Long Term Debt Issuance
-1,286.71
+13.69%
-1,490.72
-432.74%
-279.82
-120.86%
1,341.60
Net Common Stock Issuance
3,185.62
0.00
0.00
0.00
Common Stock Payments
—
—
0.00
0.00
Cash Dividends Paid
0.00
+100.00%
-16.50
+59.18%
-40.42
+0.00%
-40.42
Repurchase Of Capital Stock
0.00
+100.00%
-323.40
0.00
0.00
Proceeds From Stock Option Exercised
33.17
+156.16%
-59.06
-5258.25%
1.15
-56.13%
2.61
Net Other Financing Charges
-71.25
-135.75%
-30.22
-11.09%
-27.20
-57.52%
-17.27
Changes In Cash
2,647.77
+392.18%
-906.22
-151.24%
1,768.60
+64.17%
1,077.29
Effect Of Exchange Rate Changes
-0.35
-17850.00%
0.00
-99.70%
0.68
+18.56%
0.57
Beginning Cash Position
2,709.36
-25.06%
3,615.58
+95.83%
1,846.30
+140.27%
768.44
End Cash Position
5,356.77
+97.71%
2,709.36
-25.06%
3,615.58
+95.83%
1,846.30
Free Cash Flow
-3,993.57
-211.17%
-1,283.42
+82.53%
-7,348.33
+0.15%
-7,359.59
Interest Paid Supplemental Data
1,146.25
+2.52%
1,118.03
+55.25%
720.16
+377.35%
150.87
Income Tax Paid Supplemental Data
28.91
+7.44%
26.91
+87.84%
14.33
+458.08%
2.57
Common Stock Issuance
3,185.62
0.00
0.00
0.00
Earnings Losses From Equity Investments
—
—
0.00
0.00
Issuance Of Capital Stock
3,185.62
0.00
0.00
0.00
Net Preferred Stock Issuance
0.00
+100.00%
-323.40
0.00
0.00
Preferred Stock Dividend Paid
0.00
+100.00%
-16.50
+59.18%
-40.42
+0.00%
-40.42
Preferred Stock Issuance
—
—
—
—
Preferred Stock Payments
0.00
+100.00%
-323.40
0.00
0.00
Sale Of Business
—
—
—
58.54
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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