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
52.04
$0.54
1.93
-
Price and volume
Market cap
$34B
Beta
1.93
52-week high
$32.57
52-week low
$8.60
Average daily volume
79M
Financial strength
Current ratio
1.15
Quick ratio
0.491
Long term debt to equity
31.976
Total debt to equity
31.999
Profitability
Gross margin (TTM)
82.51%
Net profit margin (TTM)
19.46%
Operating margin (TTM)
12.19%
Effective tax rate (TTM)
-59.88%
Revenue per employee (TTM)
$660,000
Management effectiveness
Return on assets (TTM)
1.61%
Return on equity (TTM)
8.59%
Valuation
Price to earnings (TTM)
52.038
Price to revenue (TTM)
9.57
Price to book
3.87
Price to tangible book (TTM)
4.76
Price to free cash flow (TTM)
-9.906
Free cash flow yield (TTM)
-10.10%
Free cash flow per share (TTM)
-2.848
Growth
Revenue change (TTM)
30.62%
Earnings per share change (TTM)
357.55%
3-year revenue growth (CAGR)
34.30%
3-year earnings per share growth (CAGR)
2.87%
What the Analysts think about SOFI
Analyst ratings (Buy, Hold, Sell) for SoFi Technologies stock.
Bulls say / Bears say
SoFi posted its highest-ever third-quarter net revenue at $961.6 million, a 38% increase from the previous year, and reported GAAP net income of $139.7 million, both surpassing analyst forecasts. This strong performance led management to raise its full-year 2025 revenue and profit outlook (WSJ).
The company gained a record 905,000 new members and added 1.4 million new products in the third quarter, bringing its total member base to 12.6 million and total products to 18.6 million. Notably, 40% of new products were purchased by existing members, highlighting the effectiveness of SoFi's cross-selling strategy (WSJ).
In the second quarter, SoFi increased net revenue by 44% to $858 million and boosted adjusted EBITDA by 81% to $249 million, surpassing expectations. The results prompted the company to raise its full-year guidance for a second time, demonstrating strong operating leverage and diversification across lending, financial services, and its technology platform (Barron’s).
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2025.
SOFI Financial Performance
Revenues and expenses
SOFI Earnings Performance
Company profitability
SOFI News
AllArticlesVideos
Ripple's $40 billion valuation bodes well for fintech stocks: here are two worth buying
Invezz3 days ago
Financial Specialist Vivian Tu, Your Rich BFF, Named SoFi's First Chief of Financial Empowerment
Business Wire3 days ago
Proofpoint Named Official Cybersecurity Partner of TGL Presented by SoFi
Business Wire5 days ago
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.
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Capital at risk
Upcoming events
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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 November 08, 2025.
What is the P/E ratio for SoFi Technologies stock?
The price to earnings (P/E) ratio for SoFi Technologies (SOFI) stock is 52.04 as of November 08, 2025.
Does SoFi Technologies stock pay dividends?
No, SoFi Technologies (SOFI) stock does not pay dividends to its shareholders as of November 08, 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 1.93. 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.