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SoFi Technologies, Inc.

SOFI Financial Credit Services

SoFi Technologies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 26.6% from fiscal 2024.

Revenue
+41.9%
EPS
+58.3%
Free cash flow
−120.0%
Total debt
+42.3%

Quarter to September 2026, against a year earlier

16.05 0.01 +0.06%
Market cap
$20.8B
P/E
27.8×
Fwd P/E
27.5×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Insider Decisions last twelve months

Bought, $m 2.46
Sold, $m 8.62
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 2 — 2 1 — — — — —
Sell 2 1 2 1 1 1 3 1 1 2 1 —
Insider Ownership 1.74%

Capital & Financial Ratios $m

Size
Market Cap 20,800.00
Revenue ttm 6,113.39
Net income ttm 737.86
Free cash flow ttm (10,208.77)
Net debt Q 264.15
Valuation
P/E 27.83
Forward P/E 27.50
Price / sales 3.41
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.85
Financial health
Current ratio Q 0.00
Debt / equity Q 0.34
Interest coverage Q —
Growth
Revenue growth Q +41.86% (above 0%: growing)
Operating income growth Q +113.95% (above 0%: growing)
EPS, this year +55.05% (at or above 15%: strong)
EPS, next year A +44.51% (at or above 15%: strong)
Revenue, next year A +5.84%
EPS, past 5 yrs —
EPS, next 5 yrs A +41.91% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 35.84%
10-year low 10-year high
P/B against its own 10 years 54.63%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 3,616 2,709 5,357 3,599
Receivables — — — —
Inventory — — — —
Other — — — —
19,849 21,641 29,736 —
2023 2024 2025 Q'26
Payables 19,170 26,535 38,249 52,492
ST’ Debt — — — —
Other — — — —
19,170 26,535 38,249 52,492

Compound Annual Growth %

10y 5y 3y
Sales — 44.73% 39.35%
Cash Flow — 0.00% 0.00%
Earnings — 0.00% 0.00%
Book Value — 0.00% 26.29%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.17 Actual 0.18

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.12 0.13 Beat by 0.01
Q1 FY26 0.12 0.12 Met by 0.00
Q2 FY26 0.11 0.12 Beat by 0.01
Q3 FY26 0.17 0.18 Beat by 0.01
Q4 FY26 0.20 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.12 0.12 0.18 — —
’25 0.06 0.08 0.11 0.13 0.39
’24 0.02 0.01 0.05 0.29 0.39
’23 (0.04) (0.06) (0.29) 0.02 (0.36)
’22 (0.14) (0.12) (0.09) (0.05) (0.40)
’21 (1.53) (0.48) (0.05) (0.15) (1.00)
’20 — 0.11 (0.57) (0.55) (4.30)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,408 1,571 1,799 — —
’25 1,037 1,130 1,268 1,335 4,770
’24 908 861 989 1,008 3,766
’23 608 677 757 871 2,912
’22 354 389 464 556 1,763
’21 231 259 293 304 1,088
’20 — 158 240 — 751
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (2,315) (3,890) (3,012) — —
’25 22 (1,467) (1,306) (991) (3,742)
’24 738 (484) (1,174) (200) (1,120)
’23 (2,213) (2,080) (2,687) (248) (7,227)
’22 (1,011) (945) (2,880) (2,419) (7,256)
’21 340 (257) (197) (1,236) (1,350)
’20 — 395 (879) 483 (479)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (2,384) (3,988) (3,012) — —
’25 (33) (1,533) (1,369) (1,059) (3,994)
’24 704 (524) (1,219) (244) (1,283)
’23 (2,239) (2,108) (2,717) (285) (7,348)
’22 (1,036) (970) (2,906) (2,447) (7,360)
’21 333 (277) (208) (1,250) (1,402)
’20 — 386 (888) 501 (504)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 825 600 721 751 1,088 1,763 2,912 3,766 4,770 6,113 +24.5% 5,048 6,387 7,812 +17.9%
Gross margin, % — 0.00 0.00 61.39 75.29 90.55 89.26 72.90 71.02 75.76 77.36 +75.8 pt
EBT — 50 (253) (240) (329) (481) (319) (301) 233 526 907 +34.2%
EBT margin, % — 6.06 (42.17) (33.23) (43.74) (44.24) (18.08) (10.34) 6.20 11.03 14.84 +5.0 pt
Net income — 1 (252) (240) (224) (484) (320) (301) 499 481 738 +116.4%
Per share, $
Per share, $ Revenue — 8.17 5.94 10.99 10.17 2.06 1.96 3.08 3.59 4.15 4.73 (8.1%)
Earnings — — (2.51) (3.65) (4.30) (1.00) (0.40) (0.36) 0.46 0.42 0.58 n/m
Cash flow — 0.76 (2.04) (0.83) (6.49) (2.56) (8.05) (7.65) (1.07) (3.25) (7.90) n/m
Capex — 0.00 0.00 (0.57) (0.33) (0.10) (0.12) (0.13) (0.16) (0.22) 0.00 n/m
Free cash flow — 0.76 (2.04) (1.41) (6.82) (2.66) (8.17) (7.78) (1.22) (3.47) (7.90) n/m
Book value — 0.00 18.04 0.00 (1.63) 8.31 5.78 5.54 6.21 9.12 8.74 n/m
Shares, m — 101 101 66 74 527 901 945 1,050 1,150 1,251 +35.5%
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.48 63.85 27.83 10.8
P/S — 0.00 0.00 0.00 0.00 7.66 2.30 3.13 4.29 6.31 3.41 2.6
P/B — 39,919.60 39,919.60 39,919.60 1.85 1.90 0.78 1.74 2.48 2.87 1.85 13,307.8
EV/Sales — 0.00 0.00 0.00 0.00 10.58 4.36 3.69 4.40 5.57 — 3.2
EV/FCF — 0.00 0.00 0.00 (64.64) (8.20) (1.05) (1.46) (12.90) (6.65) — (10.5)
Cash, $m
Cash, $m Operating cash flow — 77 (206) (55) (479) (1,350) (7,256) (7,227) (1,120) (3,742) (10,209) n/m
Capex — (12) (14) (38) (25) (52) (104) (121) (164) (251) (297) +46.9%
Free cash flow — 77 (206) (92) (504) (1,402) (7,360) (7,348) (1,283) (3,994) (10,209) n/m
Balance, $m
Balance, $m Working capital — — — — 5,768 6,539 7,853 678 (4,894) (8,513) (52,492) n/m
Net debt — — 6,109 4,395 3,475 3,180 3,640 1,618 383 (3,542) 264 n/m
Shareholders’ equity — — 1,822 — (120) 4,377 5,208 5,235 6,525 10,490 11,295 +28.4%
Returns, %
Returns, % ROA — — (3.18) (6.17) (3.71) (5.91) (2.56) (1.39) 1.44 1.11 1.30 +4.3 pt
ROIC — — 0.00 (3.41) (6.12) (3.98) (2.25) (2.75) 2.11 4.73 4.90 +4.7 pt
ROE — — 123.83 129.54 138.20 (24.63) (7.53) (6.53) 8.15 5.66 7.35 (118.2) pt
People
People Employees — — — — 4 2,500 4,200 4,400 5,000 6,100 — +333.2%
Revenue/emp, $m — 0.00 0.00 0.00 187.78 0.44 0.42 0.66 0.75 0.78 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Business profile

Updated

SoFi Technologies is a digital financial services company and bank holding company. Founded in 2011, it offers consumers a range of ways to borrow, save, spend and invest through a common mobile application. It calls its consumer customers members.

Its lending products include personal loans, student loans and home loans. Through SoFi Bank, a nationally chartered bank, members can open checking and savings accounts, use credit cards and trade digital assets. SoFi also offers investing and financial planning tools, insurance referrals and a premium membership called SoFi Plus.

SoFi Technologies, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PYPL PayPal Holdings, Inc. $49.0B 11.2× 11.2× +1.98% (above 0%: growing) −3.53% (below 0%: shrinking) −16.59% (below 0%: shrinking) 40.96% 16.33% Compare
AFRM Affirm Holdings, Inc. $23.6B 11.8× 36.6× +35.24% (above 0%: growing) +100.00% (above 0%: growing) −54.85% (below 0%: shrinking) 0.00% 14.82% Compare
SYF Synchrony Financial $23.1B 7.7× 7.9× +0.60% (above 0%: growing) −6.23% (below 0%: shrinking) −5.27% (below 0%: shrinking) 83.39% 0.00% Compare
SOFI SoFi Technologies, Inc. $20.8B 27.8× 27.5× +41.86% (above 0%: growing) +58.33% (above 0%: growing) −120.02% (below 0%: shrinking) 77.00% 0.00%
ALLY Ally Financial Inc. $11.7B 8.8× 8.1× +4.53% (above 0%: growing) +10.92% (above 0%: growing) +32.70% (above 0%: growing) 62.76% 0.00% Compare
FCFS FirstCash Holdings, Inc. $8.0B 20.4× 18.5× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77% Compare
KLAR Klarna Group plc $7.7B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.5B 8.7× 8.7× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00% Compare
CACC Credit Acceptance Corporation $5.3B 16.7× 8.8× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
Median of peers $9.8B 11.2× 8.7× +7.03% +3.70% −8.98% 62.00% 5.61%

All 53 Credit Services stocks →

Analyst rating changes each firm’s latest, last six months

Firm Date Action Rating Target
Goldman Sachs Oct 28, 2026 Target raised Hold 15.00 → 18.00
Scotiabank Oct 28, 2026 Target raised Outperform 25.00 → 26.00
TD Cowen Oct 16, 2026 Target cut Hold 18.00 → 17.50
StoneX Oct 16, 2026 Initiated Buy 25.00
Keefe, Bruyette & Woods Oct 14, 2026 Reiterated Underperform —
Benchmark Oct 14, 2026 Upgrade Buy —
Citi Sep 29, 2026 Reiterated Buy 30.00

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 50.03%
Held by the ten largest 29.45%
Holder Shares Stake Change
Vanguard 120.63m 9.35% +1.17m
BlackRock 72.44m 5.61% +2.89m
UBS 40.09m 3.11% −1.05m
Goldman Sachs 35.21m 2.73% +22.68m
State Street 28.76m 2.23% +1.45m
Geode Capital Management 23.36m 1.81% −2.63m
Morgan Stanley 19.52m 1.51% −1.74m
D. E. Shaw 14.69m 1.14% −28.03m
Norges Bank 13.63m 1.06% +13.63m
Marshall Wace 11.70m 0.91% +5.18m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 30.28m 149.10m 116.00
2024 28.07m 64.58m 68.00
2023 18.26m 71.33m 44.00
2022 12.89m (121.49m) 20.00
2021 103.00m 119.11m 70.00

Ownership

Directors and executive officers, together 2.50%
The Vanguard Group 6.40%
Vanguard Capital Management 5.30%
BlackRock, Inc. 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

SoFi Technologies, Inc. (SOFI) Latest News

3 Nov

Impact 3 · · The Motley Fool
Impact 3 · · TIKR

2 Nov

Impact 3 · · The Motley Fool

1 Nov

Impact 3 · · Simply Wall St.
Impact 3 · · The Motley Fool

31 Oct

Impact 3 · · Barchart
Impact 3 · · StockStory

30 Oct

Impact 3 · · StockStory
Impact 3 · · 24/7 Wall St.

29 Oct

Impact 4 · · The Motley Fool
Impact 4 · · TIKR
Impact 4 · · 24/7 Wall St. earnings
Impact 4 · · TheStreet
Impact 4 · · Simply Wall St.
Impact 3 · · TIKR

28 Oct

Impact 4 · · Stocktwits
Impact 4 · · 24/7 Wall St.
Impact 4 · · Zacks
Impact 4 · · Simply Wall St. earnings
Impact 4 · · Zacks earnings
Impact 4 · · TIKR earnings
Impact 4 · · TIKR
Impact 4 · · TIKR
Impact 4 · · The Motley Fool
Impact 4 · · Stocktwits
Impact 3 · · Zacks
Impact 3 · · MarketBeat

27 Oct

Impact 4 · · The Motley Fool
Impact 4 ·
Impact 4 · · The Motley Fool

SOFI metrics, ten years each

stockrow.com/SOFI · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com