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

SOFI Metrics

BasicAdvanced
$31B
52.18
$0.49
1.94
-

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
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

SOFI Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.

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