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
Industry
Consumer Finance
Headquarters
Employees
5,000
ISIN
US83406F1021
Website
SOFI Metrics
BasicAdvanced
$23B
49.84
$0.43
1.92
-
Price and volume
Market cap
$23B
Beta
1.92
52-week high
$21.86
52-week low
$6.01
Average daily volume
74M
Financial strength
Current ratio
1.139
Quick ratio
0.467
Long term debt to equity
47.014
Total debt to equity
49.144
Dividend payout ratio (TTM)
70.56%
Profitability
Gross margin (TTM)
82.06%
Net profit margin (TTM)
17.38%
Operating margin (TTM)
7.92%
Effective tax rate (TTM)
-120.07%
Revenue per employee (TTM)
$550,000
Management effectiveness
Return on assets (TTM)
1.40%
Return on equity (TTM)
7.51%
Valuation
Price to earnings (TTM)
49.839
Price to revenue (TTM)
8.254
Price to book
3.5
Price to tangible book (TTM)
4.68
Price to free cash flow (TTM)
-9.692
Free cash flow yield (TTM)
-10.32%
Free cash flow per share (TTM)
-218.73%
Growth
Revenue change (TTM)
23.62%
Earnings per share change (TTM)
-250.31%
3-year revenue growth (CAGR)
36.13%
3-year earnings per share growth (CAGR)
-12.99%
What the Analysts think about SOFI
Analyst ratings (Buy, Hold, Sell) for SoFi Technologies stock.
Bulls say / Bears say
SoFi Technologies reported a 33% increase in net revenue to $771 million in Q1 2025, surpassing analyst expectations and indicating strong financial performance. (wsau.com)
The company achieved a record adjusted EBITDA of $186.2 million in Q3 2024, up 90% year-over-year, demonstrating significant operational efficiency. (stocktitan.net)
SoFi's total deposits increased to $24.4 billion in Q3 2024, reflecting robust growth in customer trust and financial stability. (stocktitan.net)
Keefe, Bruyette & Woods lowered SoFi's price target to $7.00 in July 2024, citing concerns over anticipated rapid increases in net charge-offs in the personal loan portfolio. (investing.com)
Analysts have raised concerns about SoFi's credit performance, noting a significant uptick in net charge-offs over the past year, which may impact the company's financial health. (investing.com)
SoFi's stock has experienced volatility, with a 1-month price total return of -13.14%, indicating potential investor concerns about the company's short-term performance. (investing.com)
Data summarised monthly by Lightyear AI. Last updated on 11 Jul 2025.
SOFI Financial Performance
Revenues and expenses
SOFI Earnings Performance
Company profitability
SOFI News
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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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FAQs
What’s the current market cap for SoFi Technologies stock?
SoFi Technologies (SOFI) has a market cap of $23B as of July 15, 2025.
What is the P/E ratio for SoFi Technologies stock?
The price to earnings (P/E) ratio for SoFi Technologies (SOFI) stock is 49.84 as of July 15, 2025.
Does SoFi Technologies stock pay dividends?
No, SoFi Technologies (SOFI) stock does not pay dividends to its shareholders as of July 15, 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 1.92. 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.