Symbols / SOFI Stock $15.61 -2.56% SoFi Technologies, Inc.

Financial Services • Credit Services • United States • NMS
SOFI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Anthony J. Noto
Exch · Country NMS · United States
Market Cap 20.02B
Enterprise Value 18.38B
Income 576.93M
Sales 3.91B
FCF (ttm) —
Book/sh 8.44
Cash/sh 2.78
Employees 6,100
Insider 10d —
IPO Jan 04, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 34.69
Forward P/E 19.95
PEG 1.00
P/S 5.12
P/B 1.85
P/C —
EV/EBITDA —
EV/Sales 4.70
Quick Ratio 0.49
Current Ratio 1.12
Debt/Eq 17.72
LT Debt/Eq —
EPS (ttm) —
EPS next Y 0.78
EPS Growth 101.20%
Revenue Growth 42.50%
EPS Gr Q/Q 134.40%
Rev Gr Q/Q —
Earnings (next) 2026-07-28
Earnings (prior) 2026-04-27
ROA 1.26%
ROE 6.60%
ROIC —
Gross Margin 83.51%
Oper. Margin 18.28%
Profit Margin 14.76%
Shs Outstand —
Shs Float 1.26B
Insider Own 1.48%
Instit Own 56.93%
Short Float 12.72%
Short Ratio 2.57
Short Interest 160.95M
52W High 32.73
vs 52W High -52.31%
52W Low 12.74
vs 52W Low 22.53%
Beta 2.13
Impl. Vol. 49.81%
Rel Volume 0.75
Avg Volume 66.20M
Volume 49.79M
Target (mean) $21.10
Tgt Median $18.50
Tgt Low $12.00
Tgt High $31.00
# Analysts 20
Recom Hold
Prev Close $16.02
Price $15.61
Change -2.56%
About

No company description available for this symbol.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
—
Latest analyst target
3. DCF / Fair value
$21.10
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
—
Low
—
High
—
Mean
—
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-11 NOTO ANTHONY J. Chief Executive Officer — 15,545 $16.00 $248,781
2026-05-08 NOTO ANTHONY J. Chief Executive Officer — 15,878 $15.73 $249,769
2026-04-21 KEOUGH KELLI ALLEN Officer — 9,742 $19.25 $187,551
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 KEOUGH KELLI ALLEN Officer — 122,188 — —
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 — —
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
25.09
+7.31%
23.39
+117.41%
10.76
-71.94%
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
-351.19
-59.10%
-220.73
-276.80%
-58.58
—
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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