Symbols / SOFI
SOFI Chart
About
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. It operates through three segments: Lending, Technology Platform, and Financial Services. The company 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; and SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory. 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 | 24.88B |
| Enterprise Value | 21.91B | Income | 481.32M | Sales | 3.58B |
| Book/sh | 8.26 | Cash/sh | 3.88 | Dividend Yield | — |
| Payout | 0.00% | Employees | — | IPO | — |
| P/E | 50.49 | Forward P/E | 25.73 | PEG | — |
| P/S | 6.94 | P/B | 2.38 | P/C | — |
| EV/EBITDA | — | EV/Sales | 6.11 | Quick Ratio | 0.53 |
| Current Ratio | 1.14 | Debt/Eq | 18.32 | LT Debt/Eq | — |
| EPS (ttm) | 0.39 | EPS next Y | 0.77 | 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 | 1.26B |
| Shs Float | 1.25B | Short Float | 9.27% | Short Ratio | 2.21 |
| Short Interest | — | 52W High | 32.73 | 52W Low | 8.60 |
| Beta | 2.18 | Avg Volume | 55.93M | Volume | 21.93M |
| Target Price | $26.87 | Recom | Hold | Prev Close | $19.61 |
| Price | $19.69 | Change | 0.41% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$26.87
Mean price target
2. Current target
$19.76
Latest analyst target
3. DCF / Fair value
$5.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$19.76
Low
$12.00
High
$38.00
Mean
$26.87
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 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 |
| 2025-10-13 | main | Goldman Sachs | Neutral → Neutral | $24 |
| 2025-09-29 | main | Morgan Stanley | Underweight → Underweight | $18 |
- JPMorgan Upgrades SoFi Technologies (SOFI) to Overweight After Q4 Results and 2026 Guidance - Yahoo Finance Sun, 15 Feb 2026 13
- SoFi After The Selloff: Market Overreaction And Opportunity Ahead (NASDAQ:SOFI) - Seeking Alpha Mon, 16 Feb 2026 08
- Better Fintech Stock: PayPal vs. SoFi - The Motley Fool ue, 17 Feb 2026 13
- SoFi Stock Sinks as Bulls Double Down on Rally - TipRanks Sat, 14 Feb 2026 14
- Better Growth Stock: Nu Holdings vs. SoFi Technologies - The Motley Fool ue, 17 Feb 2026 11
- SoFi Stock Tumbles. Why It's a Buying Opportunity. - The Motley Fool Wed, 11 Feb 2026 09
- SoFi or PayPal: J.P. Morgan Selects the Superior Fintech Stock to Buy - Yahoo Finance Mon, 09 Feb 2026 11
- Better Growth Stock: Nu Holdings vs. SoFi Technologies - Nasdaq ue, 17 Feb 2026 11
- Better Fintech Stock: PayPal vs. SoFi - Yahoo Finance ue, 17 Feb 2026 13
- SoFi vs Ally Financial: Which Financial Stock Is the Better Buy After 2026’s Selloff? - 24/7 Wall St. ue, 17 Feb 2026 14
- SoFi Technologies (NASDAQ:SOFI) Stock Price Down 6.1% - Here's Why - MarketBeat Fri, 13 Feb 2026 00
- SoFi Stock Gets Upgraded. Why Shares Could Gain 40%. - Barron's Mon, 09 Feb 2026 20
- Is It Too Late to Buy SoFi Technologies Stock? - Nasdaq Mon, 16 Feb 2026 14
- GSA Capital Partners LLP Sells 67,867 Shares of SoFi Technologies, Inc. $SOFI - MarketBeat ue, 17 Feb 2026 12
- SoFi Stock Has Fallen 14% Since Earnings. Insiders Are Buying Shares. - Barron's Mon, 09 Feb 2026 20
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 5000 | 105220.0 | — | Purchase at price 21.04 per share. | LAVET ROBERT S | General Counsel | — | 2026-02-06 00:00:00 | I |
| 1 | 94225 | 1913710.0 | — | Sale at price 20.31 per share. | FREIBERG STEVEN J | Director | — | 2026-02-06 00:00:00 | D |
| 2 | 250000 | 1832500.0 | — | Conversion of Exercise of derivative security at price 7.33 per share. | FREIBERG STEVEN J | Director | — | 2026-02-06 00:00:00 | D |
| 3 | 5000 | 99650.0 | — | Purchase at price 19.93 per share. | SCHUPPENHAUER ERIC | Officer | — | 2026-02-05 00:00:00 | D |
| 4 | 9468 | 243797.0 | — | Sale at price 25.75 per share. | KEOUGH KELLI ALLEN | Officer | — | 2026-01-20 00:00:00 | D |
| 5 | 9468 | 256948.0 | — | Sale at price 27.14 per share. | KEOUGH KELLI ALLEN | Officer | — | 2025-12-23 00:00:00 | D |
| 6 | 91837 | 2446538.0 | — | Sale at price 26.64 per share. | RISHEL JEREMY DYLAN | Chief Technology Officer | — | 2025-12-17 00:00:00 | D |
| 7 | 576850 | nan | — | — | NOTO ANTHONY J. | Chief Executive Officer | — | 2025-12-15 00:00:00 | D |
| 8 | 141346 | nan | — | — | LAPOINTE CHRISTOPHER | Chief Financial Officer | — | 2025-12-15 00:00:00 | D |
| 9 | 276543 | nan | — | — | RISHEL JEREMY DYLAN | Chief Technology Officer | — | 2025-12-15 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 12.32M | -360.79K | -4.06M | -7.38M |
| TaxRateForCalcs | 0.21 | 0.00 | 0.21 | 0.27 |
| TotalUnusualItems | 58.69M | -257.70M | -19.32M | -27.33M |
| TotalUnusualItemsExcludingGoodwill | 58.69M | -257.70M | -19.32M | -27.33M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 498.67M | -300.74M | -320.41M | -483.94M |
| ReconciledDepreciation | 203.50M | 201.42M | 151.36M | 101.57M |
| NetInterestIncome | 1.72B | 1.26B | 584.10M | 252.24M |
| InterestExpense | 1.09B | 789.33M | 189.28M | 102.78M |
| InterestIncome | 2.81B | 2.05B | 773.37M | 355.02M |
| NormalizedIncome | 452.30M | -43.40M | -305.15M | -463.98M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 498.67M | -300.74M | -320.41M | -483.94M |
| DilutedAverageShares | 1.25B | 1.10B | 945.02M | 900.89M |
| BasicAverageShares | 1.15B | 1.05B | 945.02M | 900.89M |
| DilutedEPS | 0.39 | 0.39 | -0.36 | -0.40 |
| BasicEPS | 0.42 | 0.46 | -0.36 | -0.40 |
| DilutedNIAvailtoComStockholders | 434.78M | -341.17M | -360.83M | -524.36M |
| AverageDilutionEarnings | -44.36M | 0.00 | 0.00 | |
| NetIncomeCommonStockholders | 479.14M | -341.17M | -360.83M | -524.36M |
| OtherunderPreferredStockDividend | 3.03M | |||
| PreferredStockDividends | 16.50M | 40.42M | 40.42M | 40.43M |
| NetIncome | 498.67M | -300.74M | -320.41M | -483.94M |
| NetIncomeIncludingNoncontrollingInterests | 498.67M | -300.74M | -320.41M | -483.94M |
| NetIncomeContinuousOperations | 498.67M | -300.74M | -320.41M | -483.94M |
| TaxProvision | -265.32M | -416.00K | 1.69M | 2.76M |
| PretaxIncome | 233.34M | -301.16M | -318.72M | -481.18M |
| SpecialIncomeCharges | 58.69M | -257.70M | -19.32M | -27.33M |
| OtherSpecialCharges | 10.97M | |||
| ImpairmentOfCapitalAssets | 0.00 | 248.42M | 0.00 | 0.00 |
| RestructuringAndMergernAcquisition | 3.83M | 23.86M | 19.32M | 27.33M |
| GainOnSaleOfSecurity | -40.03M | -14.86M | ||
| SellingGeneralAndAdministration | 1.40B | 1.23B | 1.12B | 925.41M |
| SellingAndMarketingExpense | 796.29M | 719.40M | 617.82M | 426.88M |
| GeneralAndAdministrativeExpense | 600.09M | 511.01M | 501.62M | 498.53M |
| OtherGandA | 600.09M | 511.01M | 501.62M | 498.53M |
| TotalRevenue | 2.61B | 2.11B | 1.57B | 984.87M |
| OperatingRevenue | 2.61B | 2.11B | 1.57B | 984.87M |
| OtherNonInterestExpense | 1.01B | 866.31M | 699.16M | 505.73M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| PreferredSharesNumber | 3.23M | 3.23M | 3.23M | 3.23M |
| OrdinarySharesNumber | 1.10B | 975.86M | 933.90M | 828.15M |
| ShareIssued | 1.10B | 975.86M | 933.90M | 828.15M |
| NetDebt | 555.01M | 2.16B | 4.08B | 3.55B |
| TotalDebt | 3.20B | 5.36B | 5.63B | 4.19B |
| TangibleBookValue | 4.49B | 3.30B | 2.99B | 3.03B |
| InvestedCapital | 9.62B | 10.48B | 10.71B | 8.42B |
| NetTangibleAssets | 4.49B | 3.62B | 3.31B | 3.35B |
| CapitalLeaseObligations | 110.91M | 121.82M | 131.44M | 152.97M |
| CommonStockEquity | 6.53B | 5.23B | 5.21B | 4.38B |
| PreferredStockEquity | 320.37M | 320.37M | 320.37M | |
| TotalCapitalization | 9.13B | 10.31B | 10.55B | 8.24B |
| TotalEquityGrossMinorityInterest | 6.53B | 5.55B | 5.53B | 4.70B |
| StockholdersEquity | 6.53B | 5.55B | 5.53B | 4.70B |
| GainsLossesNotAffectingRetainedEarnings | -8.37M | -1.21M | -8.30M | -1.47M |
| RetainedEarnings | -1.31B | -1.80B | -1.50B | -1.18B |
| AdditionalPaidInCapital | 7.84B | 7.04B | 6.72B | 5.56B |
| CapitalStock | 109.00K | 320.47M | 320.47M | 320.46M |
| CommonStock | 109.00K | 97.00K | 93.00K | 83.00K |
| PreferredStock | 0.00 | 320.37M | 320.37M | 320.37M |
| TotalLiabilitiesNetMinorityInterest | 29.73B | 24.52B | 13.48B | 4.48B |
| PreferredSecuritiesOutsideStockEquity | 320.37M | |||
| DerivativeProductLiabilities | 91.21M | 107.81M | 9.25M | 864.00K |
| NonCurrentDeferredLiabilities | 27.64M | 45.95M | 66.51M | 4.34M |
| NonCurrentDeferredRevenue | 7.47M | 5.72M | 10.03M | 2.55M |
| NonCurrentDeferredTaxesLiabilities | 20.16M | 40.23M | 56.48M | 1.79M |
| LongTermDebtAndCapitalLeaseObligation | 2.72B | 4.88B | 5.15B | 3.70B |
| LongTermCapitalLeaseObligation | 110.91M | 121.82M | 131.44M | 152.97M |
| LongTermDebt | 2.61B | 4.75B | 5.02B | 3.54B |
| CurrentDebtAndCapitalLeaseObligation | 486.00M | 486.00M | 486.00M | 497.81M |
| CurrentDebt | 486.00M | 486.00M | 486.00M | 497.81M |
| LineOfCredit | 486.00M | 486.00M | 486.00M | 497.81M |
| PayablesAndAccruedExpenses | 398.10M | 362.17M | 290.55M | 252.26M |
| CurrentAccruedExpenses | 265.32M | 202.26M | 145.97M | 94.20M |
| Payables | 132.78M | 159.91M | 144.57M | 158.06M |
| AccountsPayable | 132.78M | 159.91M | 144.57M | 158.06M |
| TotalAssets | 36.25B | 30.07B | 19.01B | 9.18B |
| InvestmentsAndAdvances | 1.93B | 724.86M | 419.59M | 595.39M |
| AvailableForSaleSecurities | 91.65M | 200.99M | 357.34M | 374.69M |
| LongTermEquityInvestment | 29.50M | 22.92M | 22.82M | 25.79M |
| GoodwillAndOtherIntangibleAssets | 2.03B | 1.94B | 2.21B | 1.35B |
| OtherIntangibleAssets | 639.92M | 544.52M | 592.01M | 452.84M |
| Goodwill | 1.39B | 1.39B | 1.62B | 898.53M |
| NetPPE | 369.09M | 306.54M | 267.24M | 227.06M |
| AccumulatedDepreciation | -216.91M | -174.60M | -100.62M | -54.44M |
| GrossPPE | 585.99M | 481.14M | 367.86M | 281.50M |
| Leases | 38.62M | 39.05M | 40.26M | 39.73M |
| ConstructionInProgress | 661.00K | |||
| OtherProperties | 97.20M | 104.73M | 112.23M | 130.29M |
| MachineryFurnitureEquipment | 446.97M | 334.17M | 212.17M | 110.82M |
| BuildingsAndImprovements | 3.20M | 3.19M | 3.19M | |
| PrepaidAssets | 276.93M | 112.75M | 73.43M | 57.90M |
| Receivables | 587.50M | 169.85M | 127.05M | 85.52M |
| OtherReceivables | 462.00K | |||
| NotesReceivable | 0.00 | |||
| AccountsReceivable | 587.50M | 169.85M | 127.05M | 85.52M |
| OtherShortTermInvestments | 1.80B | 500.94M | 39.43M | 194.91M |
| CashAndCashEquivalents | 2.54B | 3.09B | 1.42B | 494.71M |
| CashCashEquivalentsAndFederalFundsSold | 2.82B | 3.70B | 1.87B | 768.44M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -1.28B | -7.35B | -7.36B | -1.40B |
| RepurchaseOfCapitalStock | -323.40M | 0.00 | 0.00 | -283.38M |
| RepaymentOfDebt | -2.34B | -800.37M | -516.85M | -2.10B |
| IssuanceOfDebt | 845.25M | 520.55M | 1.86B | 1.19B |
| IssuanceOfCapitalStock | 0.00 | 0.00 | ||
| CapitalExpenditure | -163.62M | -121.19M | -103.73M | -52.26M |
| InterestPaidSupplementalData | 1.12B | 720.16M | 150.87M | 94.80M |
| IncomeTaxPaidSupplementalData | 26.91M | 14.33M | 2.57M | 1.76M |
| EndCashPosition | 2.71B | 3.62B | 1.85B | 768.44M |
| BeginningCashPosition | 3.62B | 1.85B | 768.44M | 1.32B |
| EffectOfExchangeRateChanges | 2.00K | 677.00K | 571.00K | 46.00K |
| ChangesInCash | -906.22M | 1.77B | 1.08B | -555.04M |
| FinancingCashFlow | 5.03B | 10.89B | 8.44B | 684.99M |
| CashFlowFromContinuingFinancingActivities | 5.03B | 10.89B | 8.44B | 684.99M |
| NetOtherFinancingCharges | -30.22M | -27.20M | -17.27M | 1.91B |
| ProceedsFromStockOptionExercised | -59.06M | 1.15M | 2.61M | 6.44M |
| CashDividendsPaid | -16.50M | -40.42M | -40.42M | -40.43M |
| PreferredStockDividendPaid | -16.50M | -40.42M | -40.42M | -40.43M |
| NetPreferredStockIssuance | -323.40M | 0.00 | 0.00 | 0.00 |
| PreferredStockPayments | -323.40M | 0.00 | 0.00 | -40.43M |
| PreferredStockIssuance | 0.00 | |||
| NetCommonStockIssuance | 0.00 | 0.00 | -283.38M | |
| CommonStockPayments | 0.00 | 0.00 | -283.38M | |
| CommonStockIssuance | 0.00 | 0.00 | ||
| NetIssuancePaymentsOfDebt | -1.49B | -279.82M | 1.34B | -908.38M |
| NetLongTermDebtIssuance | -1.49B | -279.82M | 1.34B | -908.38M |
| LongTermDebtPayments | -2.34B | -800.37M | -516.85M | -2.10B |
| LongTermDebtIssuance | 845.25M | 520.55M | 1.86B | 1.19B |
| InvestingCashFlow | -4.82B | -1.89B | -106.33M | 110.19M |
| CashFlowFromContinuingInvestingActivities | -4.82B | -1.89B | -106.33M | 110.19M |
| NetOtherInvestingChanges | 16.69M | |||
| NetInvestmentPurchaseAndSale | -1.15B | -333.95M | 112.59M | 145.76M |
| SaleOfInvestment | 1.08B | 533.11M | 157.56M | 414.13M |
| PurchaseOfInvestment | -2.23B | -867.06M | -44.97M | -268.37M |
| NetBusinessPurchaseAndSale | 0.00 | -72.30M | 58.54M | 0.00 |
| SaleOfBusiness | 58.54M | |||
| PurchaseOfBusiness | 0.00 | -72.30M | 0.00 | |
| NetPPEPurchaseAndSale | -154.26M | -111.41M | -93.20M | -52.26M |
| PurchaseOfPPE | -154.26M | -111.41M | -93.20M | -52.26M |
| CapitalExpenditureReported | -9.35M | -9.78M | -10.53M | 0.00 |
| OperatingCashFlow | -1.12B | -7.23B | -7.26B | -1.35B |
| CashFlowFromContinuingOperatingActivities | -1.12B | -7.23B | -7.26B | -1.35B |
| ChangeInWorkingCapital | -1.61B | -7.63B | -7.50B | -1.35B |
| ChangeInOtherCurrentAssets | -620.11M | -37.11M | -38.46M | -29.36M |
| ChangeInPayablesAndAccruedExpense | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInPayable | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInAccountPayable | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInReceivables | 0.00 | 0.00 | 1.40M | |
| ChangesInAccountReceivables | 0.00 | 0.00 | 1.40M | |
| OtherNonCashItems | -134.70M | -37.52M | 38.33M | 28.63M |
| StockBasedCompensation | 246.15M | 271.22M | 305.99M | 239.01M |
| UnrealizedGainLossOnInvestmentSecurities | -2.84M | -48.00K | 13.60M | -6.54M |
| AssetImpairmentCharge | 0.00 | 247.17M | 0.00 | 0.00 |
| DeferredTax | -286.92M | -15.83M | -3.50M | 1.20M |
| DeferredIncomeTax | -286.92M | -15.83M | -3.50M | 1.20M |
| DepreciationAmortizationDepletion | 203.50M | 201.42M | 151.36M | 101.57M |
| DepreciationAndAmortization | 203.50M | 201.42M | 151.36M | 101.57M |
| OperatingGainsLosses | -62.52M | -14.57M | 107.59M | |
| EarningsLossesFromEquityInvestments | 0.00 | 0.00 | 261.00K | |
| NetIncomeFromContinuingOperations | 498.67M | -300.74M | -320.41M | -483.94M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for SOFI
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|