SoFi Technologies, Inc.

NasdaqGS:SOFI 株式レポート

時価総額：US$19.5b

SoFi Technologies 過去の業績

過去 基準チェック /16

SoFi Technologiesは、平均年間61.5%の収益成長を遂げていますが、 Consumer Finance業界の収益は、年間 減少しています。収益は、平均年間0.8% 30.1%収益成長率で 成長しています。 SoFi Technologiesの自己資本利益率は5.3%であり、純利益率は14.8%です。

主要情報

61.51%

収益成長率

79.36%

EPS成長率

Consumer Finance 業界の成長7.20%
収益成長率30.11%
株主資本利益率5.34%
ネット・マージン14.76%
前回の決算情報31 Mar 2026

最近の業績更新

Recent updates

Seeking Alpha • May 18

SoFi: Lackluster Fundamentals And Tough Valuations Vs Oversold Stock

Summary SoFi’s loan originations are growing rapidly, but higher-for-longer rates and new student loan rules threaten the sustainability of refinancing-led growth. SoFi’s liability-sensitive balance sheet means rising or sticky rates can compress net interest margins as funding costs reset faster than loan yields. The current share price embeds an implied 5-year earnings CAGR around 42%, far above SoFi’s recent sub-20% profit growth. Bearish momentum remains on the chart, but price is approaching a key monthly demand zone where selling pressure appears to be slowing. Read the full article on Seeking Alpha
ナラティブの更新 • May 14

SOFI: Stablecoin And Business Banking Expansion Will Drive Future Earnings Quality Reassessment

Analysts have reduced the SoFi Technologies fair value estimate from $37.63 to $31.00, reflecting updated assumptions for slightly lower revenue growth, more modest profit margins, a lower future P/E multiple, and a wave of recent price target cuts across Wall Street research. Analyst Commentary Recent Street research around SoFi Technologies has leaned heavily toward lower price targets, with multiple firms trimming their expectations by amounts ranging from US$1 to US$10.
新しいナラティブ • May 02

Why is SoFi a company of the future?

Sofi Technologies (SOFI) — investors.sofi.com — is rightfully considered one of the key contenders for a spot in the "portfolio of the future." In April 2026, the company is demonstrating a transition from a stage of aggressive growth to a stage of scalable profitability, making it a unique hybrid of a bank and a technology platform. Why is SoFi a company of the future?
新しいナラティブ • Apr 30

SOFI: Record Everything, Down 13%—The Galileo Wound, the Muddy Waters Shadow, and a Business Growing Too Fast for Its Own Stock Price

A Digital Bank That Keeps Delivering Records and Keeps Getting Punished for It SoFi Technologies, Inc. (NASDAQ: SOFI) is a San Francisco-based digital financial services company that has spent the past four years executing one of the most ambitious transformations in fintech history—evolving from a student loan refinancing niche lender into what CEO Anthony Noto describes as the one-stop shop for digital financial services.
ナラティブの更新 • Apr 29

SOFI: Stablecoin Partnership Will Support Future Platform And Earnings Quality Reassessment

SoFi Technologies' updated analyst price target edges down by about $0.40 to roughly $37.63. This reflects analysts' recent shift toward slightly higher discount rates and marginally lower future P/E assumptions, even as revenue growth and profit margin inputs remain broadly similar.
ナラティブの更新 • Apr 14

SOFI: Stablecoin And Big Business Banking Expansion Will Support Future Platform Profitability

SoFi Technologies' updated analyst price target reflects a modest reset, with recent cuts of $1 to $10 by several firms tied to questions around loan growth quality, stablecoin risks, and the impact of short seller scrutiny, even as some analysts highlight potential benefits from new partnerships and traction in Big Business Banking. Analyst Commentary Recent research shows a mix of caution and optimism around SoFi Technologies, with some firms trimming price targets while others point to potential upside tied to execution in key growth areas and new product initiatives.
ナラティブの更新 • Mar 31

SOFI: Stablecoin Partnership Will Support Future Platform Profitability Despite Short Seller Pressure

Analysts have trimmed SoFi Technologies' average price target by single digits, typically by $0.50 to $7, as they balance concerns raised in recent short reports and target cuts with more supportive views around the bank's stablecoin partnership, prior upgrades, and the unchanged $38 fair value in this model. Analyst Commentary Street research on SoFi Technologies has been mixed, but there is a clear pocket of optimism where bulls are leaning into execution on growth initiatives, capital flexibility, and product expansion.
ナラティブの更新 • Mar 17

SOFI: Stablecoin Partnership And Capital Raises Will Support Future Platform Profitability

Analysts kept their SoFi Technologies fair value estimate steady at $38.00, while slightly adjusting assumptions around the discount rate, revenue growth, profit margin, and future P/E to reflect a mix of cautious price target revisions and optimism around the SoFiUSD stablecoin partnership with MasterCard and recent upgrade activity. Analyst Commentary Recent Street research around SoFi Technologies reflects a mix of caution and optimism, with the SoFiUSD partnership and ongoing execution as key talking points.
新しいナラティブ • Mar 09

SoFi Technologies: The Apex Aggregator and the Infrastructure of the Modern Financial System

1. The Paradigm Shift: Fixing a Broken System For decades, traditional consumer banking has been disconnected and frustrating.
ナラティブの更新 • Mar 03

SOFI: Elevated Multiple Could Struggle To Absorb Recent Equity Issuance

Our updated SoFi Technologies narrative lifts fair value from $8.92 to $12.37, as analysts factor in a slightly lower discount rate, more moderate revenue growth of 15.54%, a higher projected profit margin of 23.47%, and a recalibrated future P/E of 18.66x following a mixed set of recent target changes and rating shifts across the Street. Analyst Commentary Street research on SoFi Technologies over the past few months reflects a mixed but engaged view from major firms.
ナラティブの更新 • Feb 17

SOFI: Recent Capital Raises Will Support Future Platform And Lending Profitability

Analysts maintained their SoFi Technologies fair value target at $38.00 and updated their models to incorporate revised views on revenue growth, profitability, and future P/E. They cited a combination of recent upgrades, price target adjustments, and differing opinions on how SoFi's capital raises and loan growth outlook may affect the company.
新しいナラティブ • Feb 14

SoFi Technologies will ride a 33% revenue growth wave in the next 5 years

Analyzing SoFi’s valuation requires looking at its transition from a high-growth fintech disruptor to a diversified, profitable financial powerhouse. Based on recent 2026 data and long-term analyst projections, here is a breakdown of where the business is headed.
分析記事 • Feb 13

SoFi Technologies, Inc.'s (NASDAQ:SOFI) Stock Retreats 29% But Earnings Haven't Escaped The Attention Of Investors

SoFi Technologies, Inc. ( NASDAQ:SOFI ) shareholders that were waiting for something to happen have been dealt a blow...
ナラティブの更新 • Feb 03

SOFI: Fresh Capital Raises Will Shape Future Loan Platform Maturity

Analysts now peg their fair value estimate for SoFi Technologies at $26.75, down slightly from $27.15. This reflects lower Street price targets even as they factor in higher projected revenue growth, stronger profit margins, and a more conservative future P/E multiple.
ナラティブの更新 • Jan 20

SOFI: Capital Raises And Capital Light Lending Will Drive Future Profitability

Narrative Update Analysts have modestly lifted their average price target on SoFi Technologies to US$28. The shift is supported by recent research that highlights stronger than expected Q3 results, ongoing capital raises to support growth, and mixed views on the stock's current valuation multiple.
ナラティブの更新 • Jan 06

SOFI: Capital Light Loan Platform And Stablecoin Launch Will Drive Profitability

Analysts have nudged their average price targets on SoFi Technologies higher into a mid to high $20s range, citing stronger than expected Q3 results, faster scaling in the capital light loan platform business, and updated revenue and earnings assumptions that still factor in a potential slowdown against tougher comparisons. Analyst Commentary Street research on SoFi Technologies has turned more constructive overall, with several bullish analysts lifting their valuation frameworks following the latest Q3 report.
ナラティブの更新 • Dec 30

SoFi Stock: When a Fintech Starts Behaving Like a Platform Bank

SoFi Technologies (NASDAQ: SOFI) has steadily evolved from a niche student-loan refinancer into something far more ambitious: a vertically integrated digital financial platform. What differentiates SoFi from earlier fintech waves is not just product breadth, but balance-sheet ownership.
ナラティブの更新 • Dec 20

SOFI: Capital Light Loan Platform Is Expected To Drive Higher Profitability

Analysts have lifted their fair value estimate for SoFi Technologies by $8.00 to $38.00 per share, citing stronger than expected Q3 results, accelerating growth and scalability in the capital light loan platform business, and improving long term profitability assumptions, despite some peers tempering outer year forecasts. Analyst Commentary Bullish analysts broadly view SoFi's latest quarter as a validation of its strategy, highlighting the combination of strong operating execution, scalable capital light businesses, and improving profitability that supports higher valuation levels.
ナラティブの更新 • Dec 06

SOFI: Loan Platform Maturity And Easing Rates Will Shape Future Performance

The analyst-derived fair value estimate for SoFi Technologies has inched higher to approximately $27 from about $26.6, as analysts point to stronger-than-expected Q3 execution, improving key performance indicators, and a higher justified earnings multiple despite some moderation in longer-term growth assumptions. Analyst Commentary Street research on SoFi following the Q3 print is broadly constructive, but not uniformly so, resulting in a clustered set of targets in the high teens to high 30s and a mix of Buy, Neutral, and Underperform stances.
ナラティブの更新 • Nov 22

SOFI: Lending Platform Expansion And Interest Rate Trends Will Guide Balanced Performance

Analysts have increased their price target for SoFi Technologies from $26.03 to $26.61. They cite improved loan platform scalability, robust quarterly results, and a slightly lower discount rate that supports a higher valuation.
ナラティブの更新 • Nov 07

SOFI: Lending Momentum And Platform Expansion Will Support Balanced Long-Term Performance

Analysts have raised their price target for SoFi Technologies from approximately $22.81 to $26.03. They cite stronger profit margins and continued momentum in the company’s lending and platform businesses as key drivers for their more positive outlook.
ナラティブの更新 • Nov 04

SoFi’s Growth Engine Powers Ahead

SoFi Stock: Explosive Growth, Real Profits SoFi Technologies (NASDAQ: SOFI) delivered another record-breaking quarter, showing it is no longer just a fintech disruptor — it is a fully scaled digital financial institution. For Q3 2025, the company posted record GAAP net revenue of $962 million , up 38% year-over-year , and adjusted net revenue of $950 million.
ナラティブの更新 • Oct 24

Lower Rates And Sector Sentiment Will Drive Lending And Profit Margins Forward

Analysts have raised their fair value estimate for SoFi Technologies from $22.08 to $22.81. This change reflects upward revisions based on expectations of stronger profit margins, modestly higher revenue growth, and improved sector sentiment as a result of lower interest rates and resilient credit performance.
ナラティブの更新 • Oct 10

Digital Transformation In Banking And AI Will Yield Mixed Results

SoFi Technologies’ fair value estimate has increased from $21.28 to $22.08, as analysts point to improved credit performance, rising growth projections, and an enhanced outlook in light of the sector’s favorable interest rate trends. Analyst Commentary Recent research notes continue to reflect a dynamic outlook for SoFi Technologies, with both bullish and cautious perspectives influencing fair value estimates and market sentiment.
ナラティブの更新 • Sep 26

Digital Transformation In Banking And AI Will Yield Mixed Results

Analysts have modestly raised SoFi’s price target to $21.28, citing anticipated interest rate cuts, improved digital lending trends, and upcoming product launches—though some caution remains on valuation relative to fundamentals. Analyst Commentary Bullish analysts are increasing price targets due to anticipated interest rate cuts, which are expected to benefit bank processors, lenders, and exchanges, notably improving SoFi's forward outlook and justifying higher valuation multiples.
ナラティブの更新 • Sep 11

Digital Transformation In Banking And AI Will Yield Mixed Results

Analysts raised SoFi Technologies’ price target to $21.00, citing improved digital lending conditions, new revenue streams from crypto and student lending, and a stronger balance sheet, although some warn current valuation may be stretched. Analyst Commentary Improved funding availability and lower costs in digital lending markets are expected to drive stronger lending growth, with potential for additional upside if interest rate cuts occur.
ナラティブの更新 • Aug 27

Digital Transformation In Banking And AI Will Yield Mixed Results

Analysts have raised SoFi Technologies' price target to $20.78, citing optimism about new revenue streams from product diversification, improved sector trends, and a stronger balance sheet, though some caution that the stock may be fairly valued following its recent rally. Analyst Commentary Product diversification, particularly expanding into a crypto trading platform and student lending following new legislation, is seen as a key growth driver and revenue catalyst.
ナラティブの更新 • Aug 06

Digital Transformation In Banking And AI Will Yield Mixed Results

SoFi Technologies' consensus price target has increased, primarily reflecting improved net profit margins, although a higher discount rate partially offsets this, resulting in a new analyst price target of $20.11. What's in the News SoFi completed a $1.5 billion follow-on equity offering of common stock at $20.85 per share, with Citigroup and Mizuho added as co-lead underwriters.
Seeking Alpha • Apr 28

SoFi Technologies Q1 Preview: Student Loan Boom

Summary SoFi's shares have outperformed the market, driven by regulatory changes and resumption of student loan payments, making it a strong buy heading into earnings. The fintech bank's multi-segment platform and cross-selling opportunities position it for significant growth, especially with the end of the student loan payment moratorium. SoFi is expected to report strong Q1 earnings, with significant year-over-year growth in both EPS and revenue, driven by increased student loan refinancing demand. Despite valuation concerns, SoFi's impressive revenue growth and profitability acceleration justify a premium, with potential for further upside if the stock re-rates. Read the full article on Seeking Alpha
Seeking Alpha • Apr 19

SOFI: Why I Loaded Up More Shares

Summary SoFi secured $3.2B in new loan funding, bringing its total third-party capital commitments to over $5B. Non-lending segments drove 47% of 2024 revenue, up from 38% in 2023, accelerating SoFi’s platform transformation. The company generated $67M in fee income from $2.1B of LPB-originated loans, without holding credit risk. SoFi reported $666M in adjusted EBITDA for 2024, a 26% margin, with strong contribution from capital-light segments. EPS is projected to double from $0.25 in 2025 to $0.50 in 2026, supporting a $12–$20/share valuation range. Read the full article on Seeking Alpha
Seeking Alpha • Apr 08

SoFi Technologies: Buy And Hold The First Fintech Super-App

Summary SoFi’s ecosystem unlocks high LTV via product depth, data leverage, and network effects—clear moat forming in digital banking. Market is mispricing forward growth; 5x sales on 2025–2026 revs implies $14–$16/share. Macro risk caps near-term re-rating, but optionality is strong if policy stabilizes and rates ease by mid-2026. Read the full article on Seeking Alpha
Seeking Alpha • Apr 01

SoFi Technologies: Be Greedy When Others Are Fearful

Summary SoFi Technologies stock has surged ~32% since late February 2024, outperforming the S&P 500 index despite recent market dips. SOFI's impressive growth in membership and product additions, coupled with a shift towards a fee-based revenue model, supports its valuation and GARP status. The firm's strong EPS growth, margin expansion, and optimistic management guidance suggest a potential fair value of ~$14/share, offering an 18% upside. Risks include macroeconomic influences and potential policy shifts, which could impact SOFI's lending business and valuation assumptions, making the stock vulnerable in a recession. Read the full article on Seeking Alpha
Seeking Alpha • Mar 22

SoFi Technologies: Don't Let This Steep Selloff Go To Waste (Rating Upgrade)

Summary SoFi Technologies investors were reminded of why investing in SOFI isn't for the faint-hearted, as they endured a 40% plunge from recent highs. SoFI investors need to navigate economic uncertainties, while seeking to benefit from the deregulatory agenda of the Trump administration. Despite that, SOFI's previous earnings multiples showed why overstating the bullish case isn't astute. However, bearish investors must also reconsider their pessimistic overtures on SOFI, as the stock seems to have struck a bottom recently. I argue why investors who bided their time patiently for this opportunity shouldn't let the selloff go to waste. Read the full article on Seeking Alpha
Seeking Alpha • Mar 15

SoFi: Student Loan Changes Are Good

Summary SoFi Technologies has shown strong performance, with shares up 8% since October, outperforming the S&P 500, which is down nearly 5%. The company has achieved multiple GAAP-profitable quarters and a full year of GAAP net income in 2024, indicating sustainable, long-term profitability. SoFi's customer base is growing rapidly, with a 34% year-over-year membership increase and 40% of new members adopting a second product within 30 days. Despite a recent pullback in shares, SoFi's robust revenue and EPS growth, along with favorable regulatory changes. I think this presents a prime buying opportunity for long-term investors. Read the full article on Seeking Alpha

収支内訳

SoFi Technologies の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。

収益と収入の歴史

NasdaqGS:SOFI 収益、費用、利益 ( )USD Millions
日付収益収益G+A経費研究開発費
31 Mar 263,9085772,6180
31 Dec 253,5834812,4480
30 Sep 253,2916402,3140
30 Jun 253,0295622,1750
31 Mar 252,7714722,0550
31 Dec 242,6434791,9480
30 Sep 242,5191841,8570
30 Jun 242,343-1531,7910
31 Mar 242,242-2191,7690
31 Dec 232,068-3411,7420
30 Sep 231,906-4291,6920
30 Jun 231,799-2371,6540
31 Mar 231,666-2851,5810
31 Dec 221,519-3611,5050
30 Sep 221,358-4321,4260
30 Jun 221,220-3881,2560
31 Mar 221,099-4571,2020
31 Dec 21977-5241,1740
30 Sep 21868-5491,0560
30 Jun 21799-5611,0200
31 Mar 21683-3888650
31 Dec 20566-3177150
30 Sep 20458-3056530
31 Dec 19443-2645640
31 Dec 18269-2524340
31 Dec 17507493810

質の高い収益: SOFI 非現金収入 のレベルが高いです。

利益率の向上: SOFIの現在の純利益率 (14.8%)は、昨年(17%)よりも低くなっています。

フリー・キャッシュフローと収益の比較

過去の収益成長分析

収益動向: SOFI過去 5 年間で収益を上げており、収益は年間61.5%増加しています。

成長の加速: SOFIの過去 1 年間の収益成長率 ( 22.2% ) は、5 年間の平均 ( 年間61.5%を下回っています。

収益対業界: SOFIの過去 1 年間の収益成長率 ( 22.2% ) Consumer Finance業界28.9%を上回りませんでした。

株主資本利益率

高いROE: SOFIの 自己資本利益率 ( 5.3% ) は 低い とみなされます。

総資産利益率

使用総資本利益率

過去の好業績企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/05/20 22:53
終値2026/05/20 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

SoFi Technologies, Inc. 20 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。31

アナリスト機関
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research
Mihir BhatiaBofA Global Research