SoFi Technologies (SOFI23) Stock Overview

Provides various financial services in the United States, Latin America, Canada, and Hong Kong. More details

SOFI23 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	4/6
Past Performance	1/6
Financial Health	4/6
Dividends	0/6

Rewards

Earnings are forecast to grow 24.16% per year

Earnings have grown 61.5% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

High level of non-cash earnings

Shareholders have been diluted in the past year

SOFI23 Community Fair Values

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SoFi Technologies, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for SoFi Technologies
Historical stock prices
Current Share Price	US$5.55
52 Week High	US$5.55
52 Week Low	US$5.50
Beta	2.15
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	SOFI23	TH Consumer Finance	TH Market
7D	n/a	-2.1%	0.6%
1Y	n/a	-2.4%	43.0%

Return vs Industry: Insufficient data to determine how SOFI23 performed against the TH Consumer Finance industry.

Return vs Market: Insufficient data to determine how SOFI23 performed against the TH Market.

Price Volatility

Is SOFI23's price volatile compared to industry and market?
SOFI23 volatility
SOFI23 Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	6.3%
Market Average Movement	4.3%
10% most volatile stocks in TH Market	9.9%
10% least volatile stocks in TH Market	2.1%

Stable Share Price: SOFI23's share price has been volatile over the past 3 months compared to the TH market.

Volatility Over Time: Insufficient data to determine SOFI23's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2011	6,100	Anthony Noto	www.sofi.com

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.

SoFi Technologies, Inc. Fundamentals Summary

How do SoFi Technologies's earnings and revenue compare to its market cap?
SOFI23 fundamental statistics
Market cap	US$21.38b
Earnings (TTM)	US$576.94m
Revenue (TTM)	US$3.91b

36.9x

P/E Ratio

5.4x

P/S Ratio

Is SOFI23 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SOFI23 income statement (TTM)
Revenue	US$3.91b
Cost of Revenue	US$644.60m
Gross Profit	US$3.26b
Other Expenses	US$2.69b
Earnings	US$576.94m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	0.45
Gross Margin	83.51%
Net Profit Margin	14.76%
Debt/Equity Ratio	16.8%

How did SOFI23 perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/06/12 00:41
End of Day Share Price	2026/06/12 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

SoFi Technologies, Inc. is covered by 29 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Terry Ma	Barclays
James Fotheringham	BMO Capital Markets Equity Research
Mihir Bhatia	BofA Global Research