SoFi Technologies/$SOFI
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About SoFi Technologies
SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
Ticker
$SOFI
Sector
Primary listing
Employees
5,000
Headquarters
Website
SOFI Metrics
BasicAdvanced
$34B
58.13
$0.49
1.94
-
Price and volume
Market cap
$34B
Beta
1.94
52-week high
$30.30
52-week low
$8.46
Average daily volume
66M
Financial strength
Current ratio
1.159
Quick ratio
0.475
Long term debt to equity
58.809
Total debt to equity
59.668
Dividend payout ratio (TTM)
57.59%
Profitability
Gross margin (TTM)
82.25%
Net profit margin (TTM)
18.54%
Operating margin (TTM)
10.44%
Effective tax rate (TTM)
-77.86%
Revenue per employee (TTM)
$610,000
Management effectiveness
Return on assets (TTM)
1.52%
Return on equity (TTM)
8.80%
Valuation
Price to earnings (TTM)
58.128
Price to revenue (TTM)
10.248
Price to book
4.62
Price to tangible book (TTM)
6.09
Price to free cash flow (TTM)
-9.259
Free cash flow yield (TTM)
-10.80%
Free cash flow per share (TTM)
-3.073
Growth
Revenue change (TTM)
29.27%
Earnings per share change (TTM)
-333.25%
3-year revenue growth (CAGR)
35.40%
3-year earnings per share growth (CAGR)
1.70%
What the Analysts think about SOFI
Analyst ratings (Buy, Hold, Sell) for SoFi Technologies stock.
Bulls say / Bears say
SoFi’s Q2 2025 adjusted net revenue rose 44% year-over-year to $858 million and adjusted EBITDA jumped 81% to $249 million, prompting management to raise full-year 2025 revenue guidance to $3.375 billion (WSJ).
The company achieved GAAP net income of $97.3 million in Q2 2025—its seventh consecutive quarter of profitability—and delivered a 29% adjusted EBITDA margin, underscoring SoFi’s ability to scale profitably (WSJ).
Fee-based revenue reached a record $378 million in Q2 2025, up 72% year-over-year, while the Loan Platform Business originated a record $2.4 billion in third-party loans, driving growth in high-margin, capital-light revenue streams (Investing.com).
SoFi announced a $1.5 billion underwritten public offering of 71.9 million common shares—about 6% of its market cap—raising concerns about potential near-term shareholder dilution and downward pressure on the stock (Barron's).
Citizens JMP downgraded SoFi to Market Perform on July 14, 2025, citing that the stock was trading in overbought territory near its 52-week high and warning of valuation risk (Investing.com).
Moody’s downgrade of the U.S. sovereign credit rating from Aaa to Aa1 on May 16, 2025, could lead to higher borrowing costs and increased funding expenses for lenders like SoFi, potentially compressing its net interest margin (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.
SOFI Financial Performance
Revenues and expenses
SOFI Earnings Performance
Company profitability
SOFI News
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FAQs
What’s the current market cap for SoFi Technologies stock?
SoFi Technologies (SOFI) has a market cap of $34B as of October 10, 2025.
What is the P/E ratio for SoFi Technologies stock?
The price to earnings (P/E) ratio for SoFi Technologies (SOFI) stock is 58.13 as of October 10, 2025.
Does SoFi Technologies stock pay dividends?
No, SoFi Technologies (SOFI) stock does not pay dividends to its shareholders as of October 10, 2025.
When is the next SoFi Technologies dividend payment date?
SoFi Technologies (SOFI) stock does not pay dividends to its shareholders.
What is the beta indicator for SoFi Technologies?
SoFi Technologies (SOFI) has a beta rating of 1.94. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.