SoFi Technologies, Inc. (SOFI)

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Ticker
SOFI
Exchange
Nasdaq
Sector
Financial Services
Industry
Credit Services
Market cap
$21.02B
52-week range
$13.86 - $32.73

Valuation

Share price
$16.21 (close of Nov 6, 2026)
P/E (TTM)
27.73x
Price to book
1.86x
Price to free cash flow
-1.99x
Enterprise value
$18.32B
Book value per share
$8.71

Price performance

PeriodChange
1 day+1.06%
5 days-3.28%
1 month+2.86%
3 months-10.44%
6 months-0.55%
Year to date-38.08%
1 year-40.32%
3 years+116.42%
5 years-28.18%
All time+32.87%

Short interest

As of
Oct 15, 2026
Short % of float
17.21%
Shares short
219.64M
Days to cover
4.75
Change since prior report
+2.21%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
4.59%
Return on assets
0.95%
Net margin
13.32%
Revenue growth
35.09%
Net income growth
-3.48%

Cash flow and balance sheet

Free cash flow yield (TTM)
-50.15%
Net debt to EBITDA
-1.05x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$3.61B
Net income
$481.32M
Earnings per share
$0.42
Research and development
$648.33M
Interest expense
$1.16B
Shares outstanding
1.15B

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$3.61B$481.32M$0.42
2024-12-31$2.67B$498.67M$0.46
2023-12-31$2.12B-$300.74M-$0.36
2022-12-31$1.57B-$320.41M-$0.40
2021-12-31$984.87M-$483.94M-$1.00
2020-12-31$565.53M-$224.05M-$4.30
2019-12-31$442.66M-$239.70M-$4.02

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3113.32%4.59%
2024-12-3118.64%7.64%
2023-12-31-14.17%-5.75%
2022-12-31-20.36%-6.15%
2021-12-31-49.14%-11.06%
2020-12-31-39.62%-
2019-12-31-54.15%-

Cash and debt by year

Period endCashDebt
2025-12-31$4.93B-
2024-12-31$2.54B-
2023-12-31$3.09B-
2022-12-31$1.42B$5.49B
2021-12-31$494.71M$3.95B
2020-12-31$872.58M$4.80B
2019-12-31$499.49M-
2018-12-31$537.00M-

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31-$3.98B$262.06M
2024-12-31-$1.27B$246.15M
2023-12-31-$7.34B$271.22M
2022-12-31-$7.35B$305.99M
2021-12-31-$1.40B$239.01M
2020-12-31-$503.88M$99.87M
2019-12-31-$92.32M$60.94M
2018-12-31$1.01B$43.46M
2017-12-31$65.21M$39.78M

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-27Sep 2026$0.17
2026-07-29Jun 2026$0.11
2026-04-29Mar 2026$0.12
2026-01-30Dec 2025$0.12
2025-10-28Sep 2025$0.09
2025-07-29Jun 2025$0.06
2025-04-29Mar 2025$0.03
2025-01-27Dec 2024$0.04

Filings and sources

Company website
sofi.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Understanding these figures

Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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