SoFi Technologies/$SOFI
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
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
57.43
$0.49
1.94
-
Price and volume
Market cap
$34B
Beta
1.94
52-week high
$28.58
52-week low
$7.57
Average daily volume
65M
Financial strength
Current ratio
1.156
Quick ratio
0.473
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)
57.434
Price to revenue (TTM)
10.125
Price to book
4.56
Price to tangible book (TTM)
6.01
Price to free cash flow (TTM)
-9.149
Free cash flow yield (TTM)
-10.93%
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 raised its full-year 2025 adjusted revenue guidance to $3.38 billion and projected annual net income of $370 million, showing strong confidence in its multi-product growth strategy (WSJ).
The fintech firm added 850,000 members and 1.26 million products in Q2 2025, bringing total membership to 11.7 million and products to 17.1 million, highlighting its success in cross-selling and boosting customer engagement (WSJ).
SoFi expanded its third-party loan origination capacity with a $5 billion funding agreement with Blue Owl Capital, strengthening its loan platform and demonstrating scalable demand for its financing solutions (Bloomberg).
SoFi’s exit from its cryptocurrency trading business removes a potential high-margin revenue stream and could alienate younger, crypto-savvy members used to integrated digital offerings (Reuters).
The company’s reliance on third-party funding arrangements, such as the $5 billion personal loans deal with Blue Owl Capital, exposes its loan platform to counterparty and market funding risks that could disrupt future originations if partners pull back (Bloomberg).
Shares of SoFi surged to a record high of $25.11 on raised guidance, implying a forward price-to-sales multiple well above industry norms and leaving little margin for error should growth slow (WSJ).
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 2025.
SOFI Financial Performance
Revenues and expenses
SOFI Earnings Performance
Company profitability
SOFI News
AllArticlesVideos
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for SoFi Technologies stock?
SoFi Technologies (SOFI) has a market cap of $34B as of September 20, 2025.
What is the P/E ratio for SoFi Technologies stock?
The price to earnings (P/E) ratio for SoFi Technologies (SOFI) stock is 57.43 as of September 20, 2025.
Does SoFi Technologies stock pay dividends?
No, SoFi Technologies (SOFI) stock does not pay dividends to its shareholders as of September 20, 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.