SoFi Technologies/$SOFI
1D1W1MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- -
- Headquarters
- San Francisco, United States
- Website
- www.sofi.com
SOFI Metrics
BasicAdvanced
$21B
34.91
$0.47
2.21
-
Price and volume
Market cap
$21B
Beta
2.21
52-week high
$32.73
52-week low
$14.88
Average daily volume
44M
Financial strength
Current ratio
1.108
Quick ratio
0.459
Long term debt to equity
0.269
Total debt to equity
0.307
Profitability
Gross margin (TTM)
83.73%
Net profit margin (TTM)
14.91%
Operating margin (TTM)
17.28%
Effective tax rate (TTM)
13.76%
Management effectiveness
Return on assets (TTM)
1.25%
Return on equity (TTM)
7.09%
Valuation
Price to earnings (TTM)
34.915
Price to revenue (TTM)
4.813
Price to book
1.93
Price to tangible book (TTM)
2.27
Price to free cash flow (TTM)
-2.335
Free cash flow yield (TTM)
-42.84%
Free cash flow per share (TTM)
-7.102
Growth
Revenue change (TTM)
40.90%
Earnings per share change (TTM)
-2.98%
3-year revenue growth (CAGR)
33.39%
3-year earnings per share growth (CAGR)
22.97%
What the Analysts think about SOFI
Analyst ratings (Buy, Hold, Sell) for SoFi Technologies stock.
Analyst projections of the future price of SoFi Technologies stock.
Bulls say / Bears say
SoFi’s second quarter showed strong operating momentum: adjusted net revenue rose 40% to a record $1.2 billion, loan originations reached $14.8 billion and members grew 35% to 15.8 million. Management raised its 2026 revenue guidance to $4.75 billion–$4.85 billion. (SoFi Technologies, Reuters)
The ‘everything app’ is showing better customer monetisation, not just customer acquisition. Products grew 42%, products per member reached 1.54 and existing members accounted for 51% of new product openings, which should support lower acquisition costs and higher lifetime value. (SoFi Technologies, PYMNTS)
SoFi has a sizeable funding and capital buffer to support further growth. Management said deposits supplied 93% of its funding stack and reported an 18.8% total risk-based capital ratio, well above the 10.5% regulatory minimum. (SoFi Technologies, StockAnalysis)
Revenue growth is not yet translating into higher profit guidance. SoFi lifted its 2026 revenue outlook after a record quarter but kept adjusted EPS guidance at $0.60, and the shares fell 9% as investors questioned profit conversion. (Reuters)
The growth strategy is becoming more balance-sheet intensive as SoFi retains more loans. An analyst cited higher-rate, funding-cost and credit-loss risks from this shift, which could make earnings more sensitive to the lending cycle. (TipRanks)
The Technology Platform remains a weak spot in the diversification story. Revenue fell 23% year on year after a large client departure, while management describes 2026 as an investment and transition year before stronger growth is expected in 2027. (24/7 Wall St., Stock Observer)
Data summarised monthly by Lightyear AI. Last updated on 21 Sept 2026.
SOFI Financial Performance
Revenues and expenses
SOFI Earnings Performance
Company profitability
Upcoming events
No upcoming events
SOFI News
AllArticlesVideos
Funds containing SOFI
AllGBPEURUSD
Fund name | Fund size | $SOFI weighting |
|---|---|---|
Amundi S&P 500£500G | £6.6B | 0.17% |
Vanguard FTSE North America€VNRA | €2.9B | 0.03% |
Vanguard FTSE North America€VNRT | €3B | 0.03% |
iShares MSCI USA Screened€SGAS | €16B | 0.03% |
iShares MSCI USA Screened£GPSA | £14B | 0.03% |
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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