SOFI
SoFi Technologies, Inc.
Price Chart
Latest Quote
$17.91
+0.49 (+2.81%)
Current Price
| Previous Close | $17.42 |
| Open | $17.82 |
| Day High | $17.99 |
| Day Low | $17.27 |
| Volume | 79,003,739 |
Stock Information
| Shares Outstanding | 1.28B |
| Total Debt | $1.92B |
| Cash Equivalents | $3.56B |
| Revenue | $3.91B |
| Net Income | $576.93M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $22.97B |
| P/E Ratio | 39.80 |
| EPS (TTM) | $0.45 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $21.07B |
| Sales | $3.91B |
| Income | $576.93M |
| Book/sh | $8.44 |
| Cash/sh | $2.78 |
| Employees | 6K |
Financial Ratios
| Quick Ratio | 0.49 |
| Current Ratio | 1.12 |
| Debt/Eq | 17.72 |
| EPS Growth TTM | 134.40% |
Returns & Margins
| ROA | 1.26% |
| ROE | 6.60% |
| Gross Margin | 83.51% |
| Operating Margin | 18.28% |
| Profit Margin | 14.76% |
Ownership
| Insider Ownership | 1.41% |
| Institutional Ownership | 56.66% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 21.94 |
| PEG | 0.84 |
| P/S | 5.88 |
| P/B | 2.12 |
Analyst Data
| Recommendation | hold |
| Target Price | $20.90 |
Technical Indicators
| SMA20 | $16.85 |
| SMA50 | $16.94 |
| SMA200 | $22.70 |
| RSI | 48.00 |
| ATR | 1.0098 |
| Shares Float | 1.26B |
| Short Float | 14.71% |
| Short Ratio | 2.52 |
| Volatility | 2.15 |
| Rel Volume | 1.00 |
Performance History
| Week | +7.44% |
| Month | +17.60% |
| Quarter | +4.86% |
| 6 Months | -32.62% |
| YTD | -34.78% |
| Year | +24.12% |
| 3 Years | +87.74% |
| 5 Years | -20.04% |
| 10 Years | +46.80% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $17.91 | 80,961,100 |
| 2026-06-17 | $17.42 | 122,836,000 |
| 2026-06-16 | $17.71 | 106,005,600 |
| 2026-06-15 | $17.13 | 76,628,800 |
| 2026-06-12 | $16.58 | 50,311,700 |
| 2026-06-11 | $16.67 | 68,062,000 |
| 2026-06-10 | $15.87 | 86,446,300 |
| 2026-06-09 | $16.47 | 79,913,900 |
| 2026-06-08 | $16.50 | 79,276,100 |
| 2026-06-05 | $16.03 | 81,749,100 |
| 2026-06-04 | $17.15 | 61,361,000 |
| 2026-06-03 | $16.68 | 74,026,300 |
| 2026-06-02 | $17.74 | 77,220,100 |
| 2026-06-01 | $18.58 | 96,709,700 |
| 2026-05-29 | $18.22 | 150,700,700 |
| 2026-05-28 | $16.97 | 69,767,900 |
| 2026-05-27 | $16.17 | 66,232,300 |
| 2026-05-26 | $15.98 | 80,583,400 |
| 2026-05-22 | $15.62 | 58,168,200 |
| 2026-05-21 | $15.65 | 48,956,400 |
| 2026-05-20 | $15.69 | 44,624,100 |
| 2026-05-19 | $15.23 | 63,763,200 |
About SoFi Technologies, Inc.
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.
đ° Latest News
SpaceX IPO Drives One of Schwab's Top Five Trading Days Ever
GuruFocus.com âĸ 2026-06-18T17:58:28ZSoFi CEO Won't Stop Buying His Own Stock
Benzinga âĸ 2026-06-18T12:31:07Z
1 Financials Stock on Our Buy List and 2 That Underwhelm
StockStory âĸ 2026-06-18T12:05:28Z
These 2 Beaten-Down Market Favorites Could Be Primed for a Rebound
Barchart âĸ 2026-06-18T11:30:02Z
Stock Market Today, June 17: Nu Holdings Rises as AI Credit Models Lift Lending Outlook
Motley Fool âĸ 2026-06-17T22:21:28Z
SoFi Technologies, Inc. (SOFI) Falls More Steeply Than Broader Market: What Investors Need to Know
Zacks âĸ 2026-06-17T21:45:02Z
SoFi (SOFI) Opened SpaceX IPO Access To Retail Investors Through Its Platform
Simply Wall St. âĸ 2026-06-17T16:11:11Z
SoFi CEO Buys Shares for the Fifth Time This Year
GuruFocus.com âĸ 2026-06-17T15:36:43ZSoFi Just Helped Everyday Investors Buy Into the Largest IPO Ever. Here's Why It Matters More Than One Hot Deal.
Motley Fool âĸ 2026-06-17T15:05:00Z
Robinhood Trims Workforce to Stay Agile Amid Record Trading Activities
Zacks âĸ 2026-06-17T13:11:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $3,613,354,000 | $2,612,342,000 | $2,108,215,000 | $1,573,535,000 |
| Operating Revenue | $3,613,354,000 | $2,612,342,000 | $2,108,215,000 | $1,573,535,000 |
| Expenses | ||||
| Interest Expense | $1,156,243,000 | $1,091,336,000 | $789,327,000 | $189,275,000 |
| Selling And Marketing Expense | $1,095,412,000 | $796,293,000 | $719,400,000 | $617,823,000 |
| General And Administrative Expense | $704,436,000 | $600,089,000 | $511,011,000 | $501,618,000 |
| Other Non Interest Expense | $1,249,278,000 | $1,009,592,000 | $866,312,000 | $699,165,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Net Interest Income | $2,218,956,000 | $1,716,481,000 | $1,261,740,000 | $584,096,000 |
| Interest Income | $3,375,199,000 | $2,807,817,000 | $2,051,067,000 | $773,371,000 |
| Normalized Income | $488,687,580 | $452,300,690 | $-43,397,787 | $-305,145,780 |
| Net Income From Continuing And Discontinued Operation | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Average Dilution Earnings | $1,380,000 | $-44,360,000 | $0 | $0 |
| Net Income Common Stockholders | $481,320,000 | $479,136,000 | $-341,167,000 | $-360,832,000 |
| Net Income | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Net Income Including Noncontrolling Interests | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Net Income Continuous Operations | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Pretax Income | $525,857,000 | $233,345,000 | $-301,158,000 | $-318,721,000 |
| Special Income Charges | $-8,052,000 | $58,689,000 | $-257,705,000 | $-19,318,000 |
| Per Share | ||||
| Diluted EPS | $0.39 | $0.39 | $-0.36 | $-0.40 |
| Basic EPS | $0.42 | $0.46 | $-0.36 | $-0.40 |
| Other | ||||
| Tax Effect Of Unusual Items | $-684,420 | $12,324,690 | $-360,787 | $-4,056,780 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-8,052,000 | $58,689,000 | $-257,705,000 | $-19,318,000 |
| Total Unusual Items Excluding Goodwill | $-8,052,000 | $58,689,000 | $-257,705,000 | $-19,318,000 |
| Reconciled Depreciation | $234,151,000 | $203,498,000 | $201,416,000 | $151,360,000 |
| Diluted Average Shares | $1,251,767,000 | $1,101,390,000 | $945,024,160 | $900,886,113 |
| Basic Average Shares | $1,150,140,000 | $1,050,219,000 | $945,024,160 | $900,886,113 |
| Diluted NI Availto Com Stockholders | $482,700,000 | $434,776,000 | $-341,167,000 | $-360,832,000 |
| Tax Provision | $44,537,000 | $-265,320,000 | $-416,000 | $1,686,000 |
| Impairment Of Capital Assets | $0 | $0 | $248,417,000 | $0 |
| Restructuring And Mergern Acquisition | $8,052,000 | $3,828,000 | $23,862,000 | $19,318,000 |
| Selling General And Administration | $1,799,848,000 | $1,396,382,000 | $1,230,411,000 | $1,119,441,000 |
| Other Gand A | $704,436,000 | $600,089,000 | $511,011,000 | $501,618,000 |
| Otherunder Preferred Stock Dividend | - | $3,026,000 | - | - |
| Preferred Stock Dividends | - | $16,503,000 | $40,425,000 | $40,425,000 |
| Other Special Charges | - | - | $10,971,000 | - |
| Gain On Sale Of Security | - | - | - | $-40,031,000 |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $8,485,893,000 | $4,491,707,000 | $3,616,964,000 | $3,313,476,000 |
| Total Assets | $50,660,478,000 | $36,250,951,000 | $30,074,858,000 | $19,007,675,000 |
| Goodwill And Other Intangible Assets | $2,003,602,000 | $2,033,427,000 | $1,938,022,000 | $2,215,000,000 |
| Other Intangible Assets | $610,097,000 | $639,922,000 | $544,517,000 | $592,009,000 |
| Prepaid Assets | $477,745,000 | $276,931,000 | $112,748,000 | $73,429,000 |
| Receivables | $893,480,000 | $587,496,000 | $169,852,000 | $127,050,000 |
| Accounts Receivable | $893,480,000 | $587,496,000 | $169,852,000 | $127,050,000 |
| Cash And Cash Equivalents | $4,929,452,000 | $2,538,293,000 | $3,085,020,000 | $1,421,907,000 |
| Cash Cash Equivalents And Federal Funds Sold | $5,502,977,000 | $2,818,777,000 | $3,699,129,000 | $1,874,953,000 |
| Other Receivables | - | - | - | - |
| Notes Receivable | - | - | - | - |
| Debt | ||||
| Total Debt | $1,934,625,000 | $3,204,210,000 | $5,362,633,000 | $5,634,371,000 |
| Long Term Debt And Capital Lease Obligation | $1,448,625,000 | $2,718,210,000 | $4,876,633,000 | $5,148,371,000 |
| Long Term Debt | $1,329,682,000 | $2,607,301,000 | $4,754,812,000 | $5,016,930,000 |
| Current Debt And Capital Lease Obligation | $486,000,000 | $486,000,000 | $486,000,000 | $486,000,000 |
| Current Debt | $486,000,000 | $486,000,000 | $486,000,000 | $486,000,000 |
| Net Debt | - | $555,008,000 | $2,155,792,000 | $4,081,023,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $40,170,983,000 | $29,725,817,000 | $24,519,872,000 | $13,479,199,000 |
| Derivative Product Liabilities | $160,234,000 | $91,206,000 | $107,808,000 | $9,251,000 |
| Non Current Deferred Liabilities | $29,961,000 | $27,638,000 | $45,947,000 | $66,510,000 |
| Non Current Deferred Taxes Liabilities | $21,426,000 | $20,164,000 | $40,229,000 | $56,482,000 |
| Payables And Accrued Expenses | $453,974,000 | $387,027,000 | $362,174,000 | $290,546,000 |
| Payables | $89,810,000 | $121,711,000 | $159,915,000 | $144,575,000 |
| Accounts Payable | $89,810,000 | $121,711,000 | $159,915,000 | $144,575,000 |
| Equity | ||||
| Common Stock Equity | $10,489,495,000 | $6,525,134,000 | $5,234,612,000 | $5,208,102,000 |
| Total Equity Gross Minority Interest | $10,489,495,000 | $6,525,134,000 | $5,554,986,000 | $5,528,476,000 |
| Stockholders Equity | $10,489,495,000 | $6,525,134,000 | $5,554,986,000 | $5,528,476,000 |
| Gains Losses Not Affecting Retained Earnings | $10,979,000 | $-8,365,000 | $-1,209,000 | $-8,296,000 |
| Retained Earnings | $-824,278,000 | $-1,305,598,000 | $-1,804,263,000 | $-1,503,521,000 |
| Long Term Equity Investment | $51,083,000 | $29,500,000 | $22,920,000 | $22,825,000 |
| Preferred Stock Equity | - | - | $320,374,000 | $320,374,000 |
| Preferred Securities Outside Stock Equity | - | - | - | - |
| Other | ||||
| Ordinary Shares Number | $1,270,568,878 | $1,095,357,781 | $975,861,793 | $933,896,120 |
| Share Issued | $1,270,568,878 | $1,095,357,781 | $975,861,793 | $933,896,120 |
| Tangible Book Value | $8,485,893,000 | $4,491,707,000 | $3,296,590,000 | $2,993,102,000 |
| Invested Capital | $12,305,177,000 | $9,618,435,000 | $10,475,424,000 | $10,711,032,000 |
| Capital Lease Obligations | $118,943,000 | $110,909,000 | $121,821,000 | $131,441,000 |
| Total Capitalization | $11,819,177,000 | $9,132,435,000 | $10,309,798,000 | $10,545,406,000 |
| Additional Paid In Capital | $11,302,668,000 | $7,838,988,000 | $7,039,987,000 | $6,719,826,000 |
| Capital Stock | $126,000 | $109,000 | $320,471,000 | $320,467,000 |
| Common Stock | $126,000 | $109,000 | $97,000 | $93,000 |
| Non Current Deferred Revenue | $8,535,000 | $7,474,000 | $5,718,000 | $10,028,000 |
| Long Term Capital Lease Obligation | $118,943,000 | $110,909,000 | $121,821,000 | $131,441,000 |
| Line Of Credit | $486,000,000 | $486,000,000 | $486,000,000 | $486,000,000 |
| Current Accrued Expenses | $364,164,000 | $265,316,000 | $202,259,000 | $145,971,000 |
| Investments And Advances | $2,680,196,000 | $1,937,803,000 | $724,855,000 | $419,594,000 |
| Available For Sale Securities | $198,133,000 | $104,260,000 | $200,993,000 | $357,337,000 |
| Goodwill | $1,393,505,000 | $1,393,505,000 | $1,393,505,000 | $1,622,991,000 |
| Net PPE | $510,389,000 | $369,088,000 | $306,543,000 | $267,239,000 |
| Accumulated Depreciation | $-287,299,000 | $-216,905,000 | $-174,599,000 | $-100,619,000 |
| Gross PPE | $797,688,000 | $585,993,000 | $481,142,000 | $367,858,000 |
| Leases | $39,449,000 | $38,625,000 | $39,046,000 | $40,257,000 |
| Other Properties | $109,919,000 | $97,197,000 | $104,735,000 | $112,235,000 |
| Machinery Furniture Equipment | $645,043,000 | $446,972,000 | $334,169,000 | $212,174,000 |
| Buildings And Improvements | $3,277,000 | $3,199,000 | $3,192,000 | $3,192,000 |
| Other Short Term Investments | $2,430,980,000 | $1,804,043,000 | $500,942,000 | $39,432,000 |
| Preferred Shares Number | - | $3,234,000 | $3,234,000 | $3,234,000 |
| Preferred Stock | - | $0 | $320,374,000 | $320,374,000 |
| Treasury Shares Number | - | - | $0 | - |
| Construction In Progress | - | - | - | - |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-3,993,575,000 | $-1,283,424,000 | $-7,348,331,000 | $-7,359,591,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-3,742,458,000 | $-1,119,807,000 | $-7,227,139,000 | $-7,255,858,000 |
| Cash Flow From Continuing Operating Activities | $-3,742,458,000 | $-1,119,807,000 | $-7,227,139,000 | $-7,255,858,000 |
| Operating Gains Losses | $-351,191,000 | $-220,732,000 | $-58,581,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-251,117,000 | $-163,617,000 | $-121,192,000 | $-103,733,000 |
| Investing Cash Flow | $-6,719,107,000 | $-4,820,990,000 | $-1,889,864,000 | $-106,333,000 |
| Cash Flow From Continuing Investing Activities | $-6,719,107,000 | $-4,820,990,000 | $-1,889,864,000 | $-106,333,000 |
| Capital Expenditure Reported | $-8,673,000 | $-9,352,000 | $-9,783,000 | $-10,532,000 |
| Net Other Investing Changes | - | - | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-323,400,000 | $0 | $0 |
| Issuance Of Capital Stock | $3,185,618,000 | $0 | $0 | $0 |
| Financing Cash Flow | $13,109,333,000 | $5,034,577,000 | $10,885,602,000 | $8,439,485,000 |
| Cash Flow From Continuing Financing Activities | $13,109,333,000 | $5,034,577,000 | $10,885,602,000 | $8,439,485,000 |
| Net Other Financing Charges | $-71,245,000 | $-30,221,000 | $-27,203,000 | $-17,270,000 |
| Cash Dividends Paid | $0 | $-16,503,000 | $-40,425,000 | $-40,425,000 |
| Preferred Stock Dividend Paid | $0 | $-16,503,000 | $-40,425,000 | $-40,425,000 |
| Net Preferred Stock Issuance | $0 | $-323,400,000 | $0 | $0 |
| Net Common Stock Issuance | $3,185,618,000 | $0 | $0 | $0 |
| Common Stock Issuance | $3,185,618,000 | $0 | $0 | $0 |
| Preferred Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-1,286,713,000 | $-2,335,971,000 | $-800,368,000 | $-516,851,000 |
| Issuance Of Debt | $0 | $845,250,000 | $520,549,000 | $1,858,446,000 |
| Interest Paid Supplemental Data | $1,146,248,000 | $1,118,032,000 | $720,163,000 | $150,866,000 |
| Income Tax Paid Supplemental Data | $28,912,000 | $26,910,000 | $14,326,000 | $2,567,000 |
| End Cash Position | $5,356,773,000 | $2,709,360,000 | $3,615,578,000 | $1,846,302,000 |
| Beginning Cash Position | $2,709,360,000 | $3,615,578,000 | $1,846,302,000 | $768,437,000 |
| Effect Of Exchange Rate Changes | $-355,000 | $2,000 | $677,000 | $571,000 |
| Changes In Cash | $2,647,768,000 | $-906,220,000 | $1,768,599,000 | $1,077,294,000 |
| Proceeds From Stock Option Exercised | $33,168,000 | $-59,062,000 | $1,145,000 | $2,610,000 |
| Preferred Stock Payments | $0 | $-323,400,000 | $0 | $0 |
| Net Issuance Payments Of Debt | $-1,286,713,000 | $-1,490,721,000 | $-279,819,000 | $1,341,595,000 |
| Net Long Term Debt Issuance | $-1,286,713,000 | $-1,490,721,000 | $-279,819,000 | $1,341,595,000 |
| Long Term Debt Payments | $-1,286,713,000 | $-2,335,971,000 | $-800,368,000 | $-516,851,000 |
| Long Term Debt Issuance | $0 | $845,250,000 | $520,549,000 | $1,858,446,000 |
| Net Investment Purchase And Sale | $-578,502,000 | $-1,151,581,000 | $-333,953,000 | $112,588,000 |
| Sale Of Investment | $1,191,508,000 | $1,076,716,000 | $533,107,000 | $157,562,000 |
| Purchase Of Investment | $-1,770,010,000 | $-2,228,297,000 | $-867,060,000 | $-44,974,000 |
| Net Business Purchase And Sale | $0 | $0 | $-72,301,000 | $58,540,000 |
| Purchase Of Business | $0 | $0 | $-72,301,000 | - |
| Net PPE Purchase And Sale | $-242,444,000 | $-154,265,000 | $-111,409,000 | $-93,201,000 |
| Purchase Of PPE | $-242,444,000 | $-154,265,000 | $-111,409,000 | $-93,201,000 |
| Change In Working Capital | $-4,438,434,000 | $-1,612,728,000 | $-7,637,447,000 | $-7,495,565,000 |
| Change In Other Current Liabilities | $140,456,000 | $23,552,000 | $42,088,000 | - |
| Change In Other Current Assets | $-136,716,000 | $-620,109,000 | $-37,110,000 | $-38,456,000 |
| Change In Receivables | $-45,312,000 | $-24,474,000 | $-74,346,000 | $0 |
| Changes In Account Receivables | $-45,312,000 | $-24,474,000 | $-74,346,000 | $0 |
| Other Non Cash Items | $25,094,000 | $23,385,000 | $10,756,000 | $38,326,000 |
| Stock Based Compensation | $262,058,000 | $246,152,000 | $271,216,000 | $305,994,000 |
| Unrealized Gain Loss On Investment Securities | $-1,963,000 | $-2,842,000 | $-48,000 | $13,600,000 |
| Asset Impairment Charge | $0 | $0 | $247,174,000 | $0 |
| Deferred Tax | $16,188,000 | $-286,917,000 | $-15,828,000 | $-3,498,000 |
| Deferred Income Tax | $16,188,000 | $-286,917,000 | $-15,828,000 | $-3,498,000 |
| Depreciation Amortization Depletion | $234,151,000 | $203,498,000 | $201,416,000 | $151,360,000 |
| Depreciation And Amortization | $234,151,000 | $203,498,000 | $201,416,000 | $151,360,000 |
| Net Income From Continuing Operations | $481,320,000 | $498,665,000 | $-300,742,000 | $-320,407,000 |
| Change In Payables And Accrued Expense | - | $23,552,000 | $42,088,000 | $6,365,000 |
| Change In Payable | - | $23,552,000 | $42,088,000 | $6,365,000 |
| Change In Account Payable | - | $23,552,000 | $42,088,000 | $6,365,000 |
| Common Stock Payments | - | - | $0 | $0 |
| Earnings Losses From Equity Investments | - | - | $0 | $0 |
| Sale Of Business | - | - | - | $58,540,000 |
Fetched: 2026-06-14