| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | 2 | 2 | — | 2 | 1 | — | — | — |
| Sell | 1 | 2 | 2 | 1 | 2 | 1 | 1 | 1 | 3 | 1 | 1 | — |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡‡ |
|
| 2027 | ‡‡‡‡ |
|
| 2026 | ‡‡‡‡ |
|
| 2025 | ‡‡‡ |
|
| 2024 | ‡‡‡ |
|
| 2023 | ‡‡‡ |
|
| 2022 | ‡‡‡ |
|
| 2021 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 3,615.58 | 2,709.36 | 5,356.77 | 3,565.56 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 19,848.51 | 21,640.71 | 29,736.26 | 34,578.38 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 19,170.41 | 26,535.13 | 38,249.11 | 46,466.18 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 19,170.41 | 26,535.13 | 38,249.11 | 46,466.18 |
| 10y | 5y | 3y | |
| Sales | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | — | ‡‡‡ | ‡‡‡ |
| Earnings | — | ‡‡‡ | ‡‡‡ |
| Book Value | — | ‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 1,408.38 | 1,571.01 | — | — |
—
|
| ’25 | 1,036.85 | 1,129.51 | 1,268.05 | 1,335.19 |
4,769.60
|
| ’24 | 908.19 | 860.63 | 989.49 | 1,007.89 |
3,766.20
|
| ’23 | 607.71 | 676.89 | 756.52 | 871.00 |
2,912.12
|
| ’22 | 353.82 | 389.31 | 464.17 | 555.50 |
1,762.81
|
| ’21 | 231.23 | 259.37 | 293.23 | 303.81 |
1,087.65
|
| ’20 | — | 158.27 | 239.69 | — |
751.14
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (2,314.99) | (3,890.44) | — | — |
—
|
| ’25 | 21.50 | (1,466.91) | (1,305.87) | (991.18) |
(3,742.46)
|
| ’24 | 738.25 | (484.37) | (1,173.58) | (200.10) |
(1,119.81)
|
| ’23 | (2,212.76) | (2,079.92) | (2,686.52) | (247.94) |
(7,227.14)
|
| ’22 | (1,011.22) | (945.50) | (2,880.30) | (2,418.83) |
(7,255.86)
|
| ’21 | 340.05 | (257.44) | (196.54) | (1,236.29) |
(1,350.22)
|
| ’20 | — | 394.93 | (879.44) | 483.23 |
(479.34)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (2,383.77) | (3,988.08) | — | — |
—
|
| ’25 | (32.75) | (1,532.90) | (1,369.03) | (1,058.90) |
(3,993.57)
|
| ’24 | 704.14 | (523.84) | (1,219.38) | (244.33) |
(1,283.42)
|
| ’23 | (2,239.29) | (2,107.52) | (2,716.93) | (284.59) |
(7,348.33)
|
| ’22 | (1,036.34) | (970.41) | (2,906.25) | (2,446.59) |
(7,359.59)
|
| ’21 | 332.61 | (276.81) | (208.17) | (1,250.10) |
(1,402.48)
|
| ’20 | — | 386.09 | (888.23) | 500.85 |
(503.88)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.12 | 0.12 | — | — |
—
|
| ’25 | 0.06 | 0.08 | 0.11 | 0.13 |
0.39
|
| ’24 | 0.02 | 0.01 | 0.05 | 0.29 |
0.39
|
| ’23 | (0.05) | (0.06) | (0.29) | 0.02 |
(0.36)
|
| ’22 | (0.14) | (0.12) | (0.09) | (0.05) |
(0.40)
|
| ’21 | (0.60) | (0.48) | (0.05) | (0.15) |
(1.00)
|
| ’20 | — | — | 0.00 | (0.55) |
(4.30)
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | — | — | ‡‡‡‡ | 4.24 | 4.43 | 6.01 | 8.60 | — | — | — |
Low Price
|
| — | — | — | — | — | ‡‡‡‡‡ | 16.47 | 11.70 | 17.19 | 32.73 | — | — | — |
High Price
|
| — | — | — | — | ‡‡‡ | ‡‡‡‡‡ | 4,200 | 4,400 | 5,000 | 6,100 | — | — | — |
Employees
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.42 | 0.66 | 0.75 | 0.78 | — | — | — |
Revenue/Emp
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,762.81 | 2,912.12 | 3,766.20 | 4,769.60 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 89.26% | 72.90% | 71.02% | 75.76% | — | — | — |
Gross Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (318.72) | (301.16) | 233.35 | 525.86 | — | — | — |
EBT
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (18.08%) | (10.34%) | 6.20% | 11.03% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (320.41) | (300.74) | 498.67 | 481.32 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 151.36 | 448.59 | 203.50 | 234.15 | — | — | — |
Depreciation
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.96 | 3.08 | 3.59 | 4.15 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | (0.40) | (0.36) | 0.46 | 0.42 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (8.05) | (7.65) | (1.07) | (3.25) | — | — | — |
Cash Flow/Sh
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.12) | (0.13) | (0.16) | (0.22) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (8.17) | (7.78) | (1.22) | (3.47) | — | — | — |
Free CF/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.78 | 5.54 | 6.21 | 9.12 | ‡‡‡‡ | — | — |
Book Value/Sh
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 900.89 | 945.02 | 1,050.22 | 1,150.14 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | 0.00 | 0.00 | 33.48 | 63.85 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
PE Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | 2.30 | 3.13 | 4.29 | 6.31 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.78 | 1.74 | 2.48 | 2.87 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | 4.65 | 3.85 | 4.53 | 5.67 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
EV/Sales
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.11) | (1.53) | (13.28) | (6.77) | — | — | — |
EV/FCF
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (7,255.86) | (7,227.14) | (1,119.81) | (3,742.46) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (103.73) | (121.19) | (163.62) | (251.12) | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Capex
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (7,359.59) | (7,348.33) | (1,283.42) | (3,993.57) | ‡‡‡‡‡ | — | — |
FCF
|
| — | — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | 7,852.82 | 678.10 | (4,894.42) | (8,512.85) | — | — | — |
Working Cap'
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5,997.88 | 5,233.42 | 3,092.69 | 1,815.16 | — | — | — |
Total Debt
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4,151.58 | 1,617.84 | 383.33 | (3,541.61) | — | — | — |
Net Debt
|
| — | — | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5,208.10 | 5,234.61 | 6,525.13 | 10,489.50 | — | — | — |
Sh' Equity
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.56%) | (1.39%) | 1.44% | 1.11% | — | — | — |
ROA
|
| — | — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.13%) | (2.75%) | 2.11% | 4.73% | — | — | — |
ROIC
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (7.53%) | (6.53%) | 8.15% | 5.66% | — | — | — |
ROE
|
SoFi Technologies, once a high-flying fintech disruptor via its 2021 SPAC debut, has matured into a profitable operator with revenue surging from $825 million in 2017 to $3.77 billion in 2024, fueled by its banking charter and diversified lending-investing platform. After years of losses, 2024 delivered a pivotal $499 million net profit, with ROE flipping positive to 8.2% and debt slashed 53% to $3.1 billion, bolstering a steadier balance sheet amid deposit growth. Yet, this inflection point carries caution: analysts forecast a 6% revenue dip to $3.56 billion in 2025 due to high rates curbing loans, alongside gross margin compression to 71%.
Insider selling adds pressure, with $15 million in sales through early 2026 dwarfing minimal buys, signaling potential profit-taking or concern amid post-SPAC dilution. Valuation at 4.3x sales and 33x trailing PE embeds optimism for a rebound to $5.62 billion revenue by 2027 and EPS of $0.80, implying 43% mean upside, but forward multiples risk expansion if growth falters.
For risk-averse investors eyeing steady performers, SoFi’s banking moat and FCF inflection offer appeal, but the near-term revenue hiccup, regulatory risks, and competition demand vigilant balance sheet monitoring before committing.
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