Symbols / SOFI $18.60 -1.02%
SOFI Chart
About
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.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 23.72B |
| Enterprise Value | 20.90B | Income | 481.32M | Sales | 3.58B |
| Book/sh | 8.26 | Cash/sh | 3.92 | Dividend Yield | — |
| Payout | 0.00% | Employees | 6100 | IPO | — |
| P/E | 47.69 | Forward P/E | 23.55 | PEG | — |
| P/S | 6.62 | P/B | 2.25 | P/C | — |
| EV/EBITDA | — | EV/Sales | 5.83 | Quick Ratio | 0.55 |
| Current Ratio | 1.18 | Debt/Eq | 18.49 | LT Debt/Eq | — |
| EPS (ttm) | 0.39 | EPS next Y | 0.79 | EPS Growth | -57.00% |
| Revenue Growth | 40.20% | Earnings | 2026-04-28 | ROA | 1.11% |
| ROE | 5.66% | ROIC | — | Gross Margin | 83.00% |
| Oper. Margin | 18.18% | Profit Margin | 13.43% | Shs Outstand | 1.28B |
| Shs Float | 1.25B | Short Float | 9.78% | Short Ratio | 2.13 |
| Short Interest | — | 52W High | 32.73 | 52W Low | 8.60 |
| Beta | 2.26 | Avg Volume | 56.75M | Volume | 20.16M |
| Target Price | $26.50 | Recom | Hold | Prev Close | $18.79 |
| Price | $18.60 | Change | -1.02% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$26.50
Mean price target
2. Current target
$18.29
Latest analyst target
3. DCF / Fair value
$5.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$18.29
Low
$12.00
High
$38.00
Mean
$26.50
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-18 | main | Truist Securities | Hold → Hold | $21 |
| 2026-02-09 | up | Citizens | Market Perform → Market Outperform | $30 |
| 2026-02-03 | up | JP Morgan | Neutral → Overweight | $31 |
| 2026-02-02 | main | Needham | Buy → Buy | $33 |
| 2026-01-06 | main | Barclays | Equal-Weight → Equal-Weight | $28 |
| 2026-01-06 | main | Goldman Sachs | Neutral → Neutral | $24 |
| 2025-11-25 | main | Truist Securities | Hold → Hold | $28 |
| 2025-11-04 | main | Truist Securities | Hold → Hold | $31 |
| 2025-10-30 | main | UBS | Neutral → Neutral | $28 |
| 2025-10-29 | main | Citigroup | Buy → Buy | $37 |
| 2025-10-29 | main | Goldman Sachs | Neutral → Neutral | $27 |
| 2025-10-29 | main | Keefe, Bruyette & Woods | Underperform → Underperform | $20 |
| 2025-10-29 | main | JP Morgan | Neutral → Neutral | $28 |
| 2025-10-29 | main | Barclays | Equal-Weight → Equal-Weight | $23 |
| 2025-10-29 | main | Needham | Buy → Buy | $36 |
| 2025-10-29 | reit | BTIG | Neutral → Neutral | — |
| 2025-10-24 | main | Truist Securities | Hold → Hold | $29 |
| 2025-10-24 | main | JP Morgan | Neutral → Neutral | $26 |
| 2025-10-15 | main | Keefe, Bruyette & Woods | Underperform → Underperform | $18 |
| 2025-10-13 | main | Goldman Sachs | Neutral → Neutral | $24 |
- Could Investing $10,000 in SoFi Stock Make You a Millionaire? - The Motley Fool ue, 10 Mar 2026 09
- SoFi Stock Down 28% in Six Months: Is it Time to Start Collecting? - Yahoo Finance ue, 10 Mar 2026 17
- Why SoFi Stock Is Down Today and What This Investor Predicts Next - TipRanks Mon, 09 Mar 2026 15
- SoFi Technologies Is On Sale Once More (Rating Upgrade) (NASDAQ:SOFI) - Seeking Alpha ue, 10 Mar 2026 12
- Why SoFi Stock Fell 22% Last Month - Nasdaq Wed, 04 Mar 2026 14
- Could Investing $10,000 in SoFi Stock Make You a Millionaire? - Yahoo Finance ue, 10 Mar 2026 08
- First Trust Advisors LP Has $87.73 Million Stock Position in SoFi Technologies, Inc. $SOFI - MarketBeat ue, 10 Mar 2026 09
- 1 Million Reasons to Buy SoFi Stock Like There's No Tomorrow - The Motley Fool Mon, 09 Mar 2026 03
- SoFi Technologies Stock Trades Near $18. Here’s What Could Drive the Next Move - TIKR.com Mon, 09 Mar 2026 16
- Behavioral Patterns of SOFI and Institutional Flows - Stock Traders Daily ue, 10 Mar 2026 13
- SOFI Shares Slide After-Hours On Missed S&P 500 Inclusion — Retail Says ‘Market Can't Beat Down On A Better Company’ - Stocktwits Fri, 06 Mar 2026 23
- 1 Million Reasons to Buy SoFi Stock Like There's No Tomorrow - Yahoo Finance Mon, 09 Mar 2026 02
- Where Will SoFi Technologies Stock Be in 10 Years? - The Motley Fool Fri, 06 Mar 2026 20
- Is SoFi Technologies Stock Your Ticket to Becoming a Millionaire? - The Motley Fool Fri, 06 Mar 2026 02
- Why SoFi Stock Fell 22% Last Month - The Motley Fool Wed, 04 Mar 2026 14
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 56000 | 1001515.0 | — | Purchase at price 17.88 per share. | NOTO ANTHONY J. | Chief Executive Officer | — | 2026-03-02 00:00:00 | D |
| 1 | 9755 | 184118.0 | — | Sale at price 18.87 per share. | KEOUGH KELLI ALLEN | Officer | — | 2026-02-20 00:00:00 | D |
| 2 | 45389 | nan | — | — | PINTO ARUN | Officer | — | 2026-02-17 00:00:00 | D |
| 3 | 55731 | nan | — | — | SCHUPPENHAUER ERIC | Officer | — | 2026-02-17 00:00:00 | D |
| 4 | 94225 | 1913710.0 | — | Sale at price 20.31 per share. | FREIBERG STEVEN J | Director | — | 2026-02-06 00:00:00 | D |
| 5 | 5000 | 105220.0 | — | Purchase at price 21.04 per share. | LAVET ROBERT S | General Counsel | — | 2026-02-06 00:00:00 | I |
| 6 | 250000 | 1832500.0 | — | Conversion of Exercise of derivative security at price 7.33 per share. | FREIBERG STEVEN J | Director | — | 2026-02-06 00:00:00 | D |
| 7 | 5000 | 99650.0 | — | Purchase at price 19.93 per share. | SCHUPPENHAUER ERIC | Officer | — | 2026-02-05 00:00:00 | D |
| 8 | 9468 | 243797.0 | — | Sale at price 25.75 per share. | KEOUGH KELLI ALLEN | Officer | — | 2026-01-20 00:00:00 | D |
| 9 | 9468 | 256948.0 | — | Sale at price 27.14 per share. | KEOUGH KELLI ALLEN | Officer | — | 2025-12-23 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | -684.42K | 12.32M | -360.79K | -4.06M |
| TaxRateForCalcs | 0.09 | 0.21 | 0.00 | 0.21 |
| TotalUnusualItems | -8.05M | 58.69M | -257.70M | -19.32M |
| TotalUnusualItemsExcludingGoodwill | -8.05M | 58.69M | -257.70M | -19.32M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 481.32M | 498.67M | -300.74M | -320.41M |
| ReconciledDepreciation | 234.15M | 203.50M | 201.42M | 151.36M |
| NetInterestIncome | 2.22B | 1.72B | 1.26B | 584.10M |
| InterestExpense | 1.16B | 1.09B | 789.33M | 189.28M |
| InterestIncome | 3.38B | 2.81B | 2.05B | 773.37M |
| NormalizedIncome | 488.69M | 452.30M | -43.40M | -305.15M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 481.32M | 498.67M | -300.74M | -320.41M |
| DilutedAverageShares | 1.25B | 1.10B | 945.02M | 900.89M |
| BasicAverageShares | 1.15B | 1.05B | 945.02M | 900.89M |
| DilutedEPS | 0.39 | 0.39 | -0.36 | -0.40 |
| BasicEPS | 0.42 | 0.46 | -0.36 | -0.40 |
| DilutedNIAvailtoComStockholders | 482.70M | 434.78M | -341.17M | -360.83M |
| AverageDilutionEarnings | 1.38M | -44.36M | 0.00 | 0.00 |
| NetIncomeCommonStockholders | 481.32M | 479.14M | -341.17M | -360.83M |
| OtherunderPreferredStockDividend | 3.03M | |||
| PreferredStockDividends | 16.50M | 40.42M | 40.42M | 40.43M |
| NetIncome | 481.32M | 498.67M | -300.74M | -320.41M |
| NetIncomeIncludingNoncontrollingInterests | 481.32M | 498.67M | -300.74M | -320.41M |
| NetIncomeContinuousOperations | 481.32M | 498.67M | -300.74M | -320.41M |
| TaxProvision | 44.54M | -265.32M | -416.00K | 1.69M |
| PretaxIncome | 525.86M | 233.34M | -301.16M | -318.72M |
| SpecialIncomeCharges | -8.05M | 58.69M | -257.70M | -19.32M |
| OtherSpecialCharges | 10.97M | |||
| ImpairmentOfCapitalAssets | 0.00 | 0.00 | 248.42M | 0.00 |
| RestructuringAndMergernAcquisition | 8.05M | 3.83M | 23.86M | 19.32M |
| GainOnSaleOfSecurity | -40.03M | -14.86M | ||
| SellingGeneralAndAdministration | 1.80B | 1.40B | 1.23B | 1.12B |
| SellingAndMarketingExpense | 1.10B | 796.29M | 719.40M | 617.82M |
| GeneralAndAdministrativeExpense | 704.44M | 600.09M | 511.01M | 501.62M |
| OtherGandA | 704.44M | 600.09M | 511.01M | 501.62M |
| TotalRevenue | 3.61B | 2.61B | 2.11B | 1.57B |
| OperatingRevenue | 3.61B | 2.61B | 2.11B | 1.57B |
| OtherNonInterestExpense | 1.25B | 1.01B | 866.31M | 699.16M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| PreferredSharesNumber | 3.23M | 3.23M | 3.23M | 3.23M |
| OrdinarySharesNumber | 1.27B | 1.10B | 975.86M | 933.90M |
| ShareIssued | 1.27B | 1.10B | 975.86M | 933.90M |
| NetDebt | 555.01M | 2.16B | 4.08B | 3.55B |
| TotalDebt | 1.93B | 3.20B | 5.36B | 5.63B |
| TangibleBookValue | 8.49B | 4.49B | 3.30B | 2.99B |
| InvestedCapital | 12.31B | 9.62B | 10.48B | 10.71B |
| NetTangibleAssets | 8.49B | 4.49B | 3.62B | 3.31B |
| CapitalLeaseObligations | 118.94M | 110.91M | 121.82M | 131.44M |
| CommonStockEquity | 10.49B | 6.53B | 5.23B | 5.21B |
| PreferredStockEquity | 320.37M | 320.37M | 320.37M | |
| TotalCapitalization | 11.82B | 9.13B | 10.31B | 10.55B |
| TotalEquityGrossMinorityInterest | 10.49B | 6.53B | 5.55B | 5.53B |
| StockholdersEquity | 10.49B | 6.53B | 5.55B | 5.53B |
| GainsLossesNotAffectingRetainedEarnings | 10.98M | -8.37M | -1.21M | -8.30M |
| RetainedEarnings | -824.28M | -1.31B | -1.80B | -1.50B |
| AdditionalPaidInCapital | 11.30B | 7.84B | 7.04B | 6.72B |
| CapitalStock | 126.00K | 109.00K | 320.47M | 320.47M |
| CommonStock | 126.00K | 109.00K | 97.00K | 93.00K |
| PreferredStock | 0.00 | 320.37M | 320.37M | 320.37M |
| TotalLiabilitiesNetMinorityInterest | 40.17B | 29.73B | 24.52B | 13.48B |
| PreferredSecuritiesOutsideStockEquity | 320.37M | |||
| DerivativeProductLiabilities | 160.23M | 91.21M | 107.81M | 9.25M |
| NonCurrentDeferredLiabilities | 29.96M | 27.64M | 45.95M | 66.51M |
| NonCurrentDeferredRevenue | 8.54M | 7.47M | 5.72M | 10.03M |
| NonCurrentDeferredTaxesLiabilities | 21.43M | 20.16M | 40.23M | 56.48M |
| LongTermDebtAndCapitalLeaseObligation | 1.45B | 2.72B | 4.88B | 5.15B |
| LongTermCapitalLeaseObligation | 118.94M | 110.91M | 121.82M | 131.44M |
| LongTermDebt | 1.33B | 2.61B | 4.75B | 5.02B |
| CurrentDebtAndCapitalLeaseObligation | 486.00M | 486.00M | 486.00M | 486.00M |
| CurrentDebt | 486.00M | 486.00M | 486.00M | 486.00M |
| LineOfCredit | 486.00M | 486.00M | 486.00M | 486.00M |
| PayablesAndAccruedExpenses | 453.97M | 387.03M | 362.17M | 290.55M |
| CurrentAccruedExpenses | 364.16M | 265.32M | 202.26M | 145.97M |
| Payables | 89.81M | 121.71M | 159.91M | 144.57M |
| AccountsPayable | 89.81M | 121.71M | 159.91M | 144.57M |
| TotalAssets | 50.66B | 36.25B | 30.07B | 19.01B |
| InvestmentsAndAdvances | 2.68B | 1.94B | 724.86M | 419.59M |
| AvailableForSaleSecurities | 198.13M | 104.26M | 200.99M | 357.34M |
| LongTermEquityInvestment | 51.08M | 29.50M | 22.92M | 22.82M |
| GoodwillAndOtherIntangibleAssets | 2.00B | 2.03B | 1.94B | 2.21B |
| OtherIntangibleAssets | 610.10M | 639.92M | 544.52M | 592.01M |
| Goodwill | 1.39B | 1.39B | 1.39B | 1.62B |
| NetPPE | 510.39M | 369.09M | 306.54M | 267.24M |
| AccumulatedDepreciation | -287.30M | -216.91M | -174.60M | -100.62M |
| GrossPPE | 797.69M | 585.99M | 481.14M | 367.86M |
| Leases | 39.45M | 38.62M | 39.05M | 40.26M |
| ConstructionInProgress | 661.00K | |||
| OtherProperties | 109.92M | 97.20M | 104.73M | 112.23M |
| MachineryFurnitureEquipment | 645.04M | 446.97M | 334.17M | 212.17M |
| BuildingsAndImprovements | 3.28M | 3.20M | 3.19M | 3.19M |
| PrepaidAssets | 477.75M | 276.93M | 112.75M | 73.43M |
| Receivables | 893.48M | 587.50M | 169.85M | 127.05M |
| OtherReceivables | 462.00K | |||
| NotesReceivable | 0.00 | |||
| AccountsReceivable | 893.48M | 587.50M | 169.85M | 127.05M |
| OtherShortTermInvestments | 2.43B | 1.80B | 500.94M | 39.43M |
| CashAndCashEquivalents | 4.93B | 2.54B | 3.09B | 1.42B |
| CashCashEquivalentsAndFederalFundsSold | 5.50B | 2.82B | 3.70B | 1.87B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -3.99B | -1.28B | -7.35B | -7.36B |
| RepurchaseOfCapitalStock | 0.00 | -323.40M | 0.00 | 0.00 |
| RepaymentOfDebt | -1.29B | -2.34B | -800.37M | -516.85M |
| IssuanceOfDebt | 0.00 | 845.25M | 520.55M | 1.86B |
| IssuanceOfCapitalStock | 3.19B | 0.00 | 0.00 | 0.00 |
| CapitalExpenditure | -251.12M | -163.62M | -121.19M | -103.73M |
| InterestPaidSupplementalData | 1.15B | 1.12B | 720.16M | 150.87M |
| IncomeTaxPaidSupplementalData | 28.91M | 26.91M | 14.33M | 2.57M |
| EndCashPosition | 5.36B | 2.71B | 3.62B | 1.85B |
| BeginningCashPosition | 2.71B | 3.62B | 1.85B | 768.44M |
| EffectOfExchangeRateChanges | -355.00K | 2.00K | 677.00K | 571.00K |
| ChangesInCash | 2.65B | -906.22M | 1.77B | 1.08B |
| FinancingCashFlow | 13.11B | 5.03B | 10.89B | 8.44B |
| CashFlowFromContinuingFinancingActivities | 13.11B | 5.03B | 10.89B | 8.44B |
| NetOtherFinancingCharges | -71.25M | -30.22M | -27.20M | -17.27M |
| ProceedsFromStockOptionExercised | 33.17M | -59.06M | 1.15M | 2.61M |
| CashDividendsPaid | 0.00 | -16.50M | -40.42M | -40.42M |
| PreferredStockDividendPaid | 0.00 | -16.50M | -40.42M | -40.42M |
| NetPreferredStockIssuance | 0.00 | -323.40M | 0.00 | 0.00 |
| PreferredStockPayments | 0.00 | -323.40M | 0.00 | 0.00 |
| PreferredStockIssuance | 0.00 | |||
| NetCommonStockIssuance | 3.19B | 0.00 | 0.00 | 0.00 |
| CommonStockPayments | 0.00 | 0.00 | -283.38M | |
| CommonStockIssuance | 3.19B | 0.00 | 0.00 | 0.00 |
| NetIssuancePaymentsOfDebt | -1.29B | -1.49B | -279.82M | 1.34B |
| NetLongTermDebtIssuance | -1.29B | -1.49B | -279.82M | 1.34B |
| LongTermDebtPayments | -1.29B | -2.34B | -800.37M | -516.85M |
| LongTermDebtIssuance | 0.00 | 845.25M | 520.55M | 1.86B |
| InvestingCashFlow | -6.72B | -4.82B | -1.89B | -106.33M |
| CashFlowFromContinuingInvestingActivities | -6.72B | -4.82B | -1.89B | -106.33M |
| NetOtherInvestingChanges | 16.69M | |||
| NetInvestmentPurchaseAndSale | -578.50M | -1.15B | -333.95M | 112.59M |
| SaleOfInvestment | 1.19B | 1.08B | 533.11M | 157.56M |
| PurchaseOfInvestment | -1.77B | -2.23B | -867.06M | -44.97M |
| NetBusinessPurchaseAndSale | 0.00 | 0.00 | -72.30M | 58.54M |
| SaleOfBusiness | 58.54M | |||
| PurchaseOfBusiness | 0.00 | 0.00 | -72.30M | 0.00 |
| NetPPEPurchaseAndSale | -242.44M | -154.26M | -111.41M | -93.20M |
| PurchaseOfPPE | -242.44M | -154.26M | -111.41M | -93.20M |
| CapitalExpenditureReported | -8.67M | -9.35M | -9.78M | -10.53M |
| OperatingCashFlow | -3.74B | -1.12B | -7.23B | -7.26B |
| CashFlowFromContinuingOperatingActivities | -3.74B | -1.12B | -7.23B | -7.26B |
| ChangeInWorkingCapital | -4.44B | -1.61B | -7.64B | -7.50B |
| ChangeInOtherCurrentLiabilities | 140.46M | 23.55M | 42.09M | |
| ChangeInOtherCurrentAssets | -136.72M | -620.11M | -37.11M | -38.46M |
| ChangeInPayablesAndAccruedExpense | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInPayable | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInAccountPayable | 23.55M | 42.09M | 6.37M | -9.02M |
| ChangeInReceivables | -45.31M | -24.47M | -74.35M | 0.00 |
| ChangesInAccountReceivables | -45.31M | -24.47M | -74.35M | 0.00 |
| OtherNonCashItems | -326.10M | -134.83M | -33.25M | 38.33M |
| StockBasedCompensation | 262.06M | 246.15M | 271.22M | 305.99M |
| UnrealizedGainLossOnInvestmentSecurities | -1.96M | -2.84M | -48.00K | 13.60M |
| AssetImpairmentCharge | 0.00 | 0.00 | 247.17M | 0.00 |
| DeferredTax | 16.19M | -286.92M | -15.83M | -3.50M |
| DeferredIncomeTax | 16.19M | -286.92M | -15.83M | -3.50M |
| DepreciationAmortizationDepletion | 234.15M | 203.50M | 201.42M | 151.36M |
| DepreciationAndAmortization | 234.15M | 203.50M | 201.42M | 151.36M |
| OperatingGainsLosses | -62.52M | -14.57M | 107.59M | |
| EarningsLossesFromEquityInvestments | 0.00 | 0.00 | 261.00K | |
| NetIncomeFromContinuingOperations | 481.32M | 498.67M | -300.74M | -320.41M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for SOFI
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|