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SoFi Technologies Inc.
SOFI
27.55 (-1.16%) 0.32
32.99(B)
Financials
Consumer Finance
SoFi Technologies Inc. provides various financial services in the United States Latin America Canada and Hong Kong. It operates through three segments: Lending Technology Platform and Financial Services. The company 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; and SoFi Invest a mobile-first investment platform that offers access to trading and advisory solutions such as investing and robo-advisory. 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.

My Quality Checklist

5Y Shares Out Change < 0%
ROIC > 10%
Debt/Equity < 1
Current Ratio > 1
Quick Ratio > 1
Net Margin > 10%
Past Net Income CAGR > 0%
Est. EPS Growth > 5%
0.0%of Portfolio

My holdings

Day change:
Total change:
Shares:
Cost basis:
Compare
Market cap:$32.99(B)
EV:N/A
Total Equity:$6.86(B)
Div. yield:0.00%
Earnings date:Oct-27-2025
P/E:54.02
P/E (fwd):86.09
P/FCF:N/A
P/S:9.91
P/B:4.47
EPS:$0.5
EPS (fwd):$0.3
FCF/share:$-2.7
Book value/share:$6.2
Dividend/share:$0.0
ROIC:5.6%
ROA:1.5%
ROE:8.8%
Gross margin:82.3%
Net margin:18.5%
Valuation Summary TTM Financials Growth Estimates Historical Data KPIs Competitors & Peers Ownership Tools

SOFI Valuation & Price Targets

Current Price
$27.6
Day change: -1.16%
PEvaluation
N/A
N/A
Analyst targets
N/A
N/A
DCF (2-stage)
N/A
N/A
DCF (simple)
N/A
N/A
DCF (exit mult.)
N/A
N/A
EPS growth
N/A
N/A
Revenue growth
N/A
N/A
Peter Lynch FV
N/A
N/A
Graham No.
N/A
N/A
DDM
N/A
N/A

PEvaluation

89% overvalued
Low
$2.19
Mid
$2.92
High
$3.64
Current price
$27.55
Fair P/E
Margin of safety
EPS
Market Model
Shares outstan...ROICRevenue growthDebt/FCFAssets/Liabili...
Economic moat: None/narrow

EPS Estimates

LowAvgHigh#
FY+10.30.30.310
FY+20.40.50.611
FY+30.60.70.88
FY+40.80.80.82
FY+50.90.90.91

Analyst Price Targets

24% overvalued
Low
$6.0
Mid
$21.0
High
$31.0
Current price
$27.6

Analyst Recommendations

Strong Buy1
Buy5
Hold11
Sell3
Strong Sell2

2-stage DCF

First Stage Duration
Starting Free Cash Flow
First Stage Growth Rate
LowMidHigh
Terminal Growth Rate
LowMidHigh
Discount Rate

Discounted Cash Flow

Forecast years
Terminal Growth Rate
LowMidHigh
Discount Rate
Free cash flow estimates:
Y+1 est.
Y+2 est.
0.00%
Y+3 est.
0.00%
Y+4 est.
0.00%
Y+5 est.
0.00%

Discounted Cash Flow (exit mult.)

Forecast years
Exit FCF Multiple
LowMidHigh
Discount Rate
Free cash flow estimates:
Y+1 est.
Y+2 est.
0.00%
Y+3 est.
0.00%
Y+4 est.
0.00%
Y+5 est.
0.00%

EPS Growth

Forecast years
Starting EPS
EPS Growth Rate
LowMidHigh
Final P/E
LowMidHigh
Discount Rate

Revenue Growth Valuation

Forecast Years
Base Revenue
Revenue Growth Rate
LowMidHigh
Final Net Margin
LowMidHigh
Final P/E Ratio
LowMidHigh
Discount Rate

Peter Lynch Fair Value

Earnings Per Share
Growth Rate

Graham Formula

Earnings Per Share
EPS Growth (7-10 years)
Government Bond Rate

Dividend Discount Model

Annual Dividend
First Stage Length (Years)
First Stage Growth Rate
Final Growth Rate
Discount Rate

TTM Financials

Income (TTM)

RevenueGrossNet
Revenue$3.03(B)
Gross profit$2.49(B)
EBITDA$0
Net income$561.60(M)
Gross margin82.3%
Operating marginNaN%
Net margin18.5%
Shares outstanding:1.20(B)

Balance sheet

Cash & ST inv.Other ST assetsLong term assetsCurrent liabilitiesLong term debtOther LT liabilitiesEquity
Total assets$41.11(B)
Current assets$35.01(B)
Total liabilities$34.25(B)
Current liabilities$30.21(B)
Cash & Short-term inv.$2.13(B)
Long-term debt$3.94(B)
Total intangibles$2.03(B)
PP&E$431.97(M)

Cash flow (TTM)

CFOCFICFF
FCF$-3.02(B)
CapEx$-201.64(M)
Dividends paid$-323.40(M)
Stock issued$33.33(M)
Stock repurchased$-24.73(M)
Stock-based comp.$257.02(M)
Debt issued$868.02(M)
Debt repaid$32.15(M)

Per share data (TTM)

Price: $27.6
Revenue: $2.78 (9.9x | 10.1%) Gross profit: $2.08 (13.2x | 7.6%) Earnings: $0.51 (54.0x | 1.9%)
FCF: $-2.71 (-10.2x | -9.8%) Stock-based Comp.: $0.21 (128.4x | 0.8%) CapEx.: $0.17 (163.6x | 0.6%) Dividend: $0.00 (N/A | 0.0%)
Total Assets: $34.3 (0.8x | 124.6%) Total Liabilities: $28.6 (1.0x | 103.8%) Book Value: $6.16 (4.5x | 22.4%) Cash & ST inv.: $1.78 (15.5x | 6.5%) Debt: $3.29 (8.4x | 12.0%)
Earnings FY+1: $0.32 (86.1x | 1.2%) Earnings FY+2: $0.52 (53.0x | 1.9%) Earnings FY+3: $0.72 (38.3x | 2.6%) Earnings FY+4: $0.81 (34.0x | 2.9%) Earnings FY+5: $0.95 (29.0x | 3.4%)
FCF FY+1: $0.58 (47.4x | 2.1%) FCF FY+2: $0.75 (36.7x | 2.7%) FCF FY+3: $0.90 (30.6x | 3.3%) FCF FY+4: $1.08 (25.6x | 3.9%)

Growth Estimates

Revenue

CAGR: 13.1%
FY+1FY+2FY+3FY+4FY+5
FY+1$3.44(B)
FY+2(+22.8%)$4.23(B)
FY+3(+19.7%)$5.06(B)
FY+4(+2.6%)$5.20(B)
FY+5(+8.5%)$5.64(B)

Net Income

CAGR: 30.1%
FY+1FY+2FY+3FY+4FY+5
FY+1$383.27(M)
FY+2(+65.2%)$633.33(M)
FY+3(+40.6%)$890.77(M)
FY+4(+6.8%)$950.90(M)
FY+5(+15.5%)$1.10(B)

EPS

CAGR: 31.3%
FY+1FY+2FY+3FY+4FY+5
FY+1$0.32
FY+2(+62.5%)$0.52
FY+3(+38.5%)$0.72
FY+4(+12.5%)$0.81
FY+5(+17.3%)$0.95

FCF per share

CAGR: 22.8%
FY+1FY+2FY+3FY+4
FY+1$0.58
FY+2(+29.0%)$0.75
FY+3(+19.9%)$0.90
FY+4(+19.7%)$1.08

Historical Financials

Showing limited histrical data.
TTM (Y)TTM (Q)FYFQ
Income(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.0500.0(M)1.0(B)1.5(B)2.0(B)2.5(B)3.0(B)
Revenue Operating Income Net IncomeCOGSGross ProfitTotal OpEx.R&DSG&AInterest ExpenseInterest IncomePre-tax incomeIncome tax
Cash flow(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)-8.0(B)-6.0(B)-4.0(B)-2.0(B)0.0
Stock-based Comp. FCFCFONet IncomeD&ACFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures
Balance sheet(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.010.0(B)20.0(B)30.0(B)40.0(B)
Total Assets Total LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EIntangible AssetsGoodwillCurrent liabilitiesShort-Term DebtAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity
Per share data(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)-10.0-8.0-6.0-4.0-2.00.02.0
EPS (Basic) FCF/Share Dividend/ShareEPS (Diluted)Book value/ShareCash & ST inv./ShareDebt/Share
Ratios(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.010.020.030.0
P/E P/S EV/EarningsP/FCFP/BEV/FCFDebt/EquityPayout ratio
Margins(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0%5%10%15%
Net Income Margin Operating Margin Gross MarginEBITDA MarginFCF Margin
Returns(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0%1%2%3%4%
ROIC ROAROCEROE
Shares outstanding(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.0200.0(M)400.0(M)600.0(M)800.0(M)1.0(B)
Shares (Basic)Shares (Diluted)
Market Cap.(show more...)
Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.05.0(B)10.0(B)15.0(B)20.0(B)
Market Cap.

KPIs

No KPI data available yet!

Competitors & Peers

Ownership

Major holders

*Excludes indirect insider ownership

Insiders: 3.10%
Institutions: 53.77%
Other: 43.13%

Institutional ownership

8.38% Vanguard Group Inc4.08% Blackrock Inc.2.44% Shaw D.E. & Co., Inc.1.70% UBS Group AG1.59% Geode Capital Manageme...1.59% Bank of America Corpor...1.55% State Street Corporati...1.38% Voloridge Investment M...1.19% Two Sigma Investments,...1.14% Morgan Stanley28.73% Others

Trading Summary

In the past year, insiders have bought $500001 worth of the company's stock, and sold $509.76(M).

Congress members have bought between $3003 - $45000 worth of the company's stock, and sold between $0.00 - $0.00.

Insider transactions

$0.002025-10$0.00
$2.99(M)2025-09$0.00
$2340412025-08$0.00
$2237732025-07$0.00
$3.67(M)2025-06$0.00
$1541262025-05$0.00
$1197072025-04$0.00
$1.01(M)2025-03$0.00
$1417022025-02$0.00
$1567302025-01$0.00
$500.83(M)2024-12$500001
$1395942024-11$0.00
$964582024-10$0.00
DateSharesTotal ($)Price ($)NameTitle
Sell2025-09-1898,7332,715,15827.5RISHEL JEREMY DYLANChief Technology Officer
Sell2025-09-1810,036279,61927.9KEOUGH KELLI ALLENOfficer
Grant2025-08-26154,00000.0HUTTON GEORGE THOMPSONDirector
Sell2025-08-2010,578234,04122.1KEOUGH KELLI ALLENOfficer
Sell2025-07-1810,267223,77321.8KEOUGH KELLI ALLENOfficer
Sell2025-06-2066,8471,039,47115.6RISHEL JEREMY DYLANChief Technology Officer
Sell2025-06-2010,267156,28815.2KEOUGH KELLI ALLENOfficer
Grant2025-06-16122,18700.0KEOUGH KELLI ALLENOfficer
Grant2025-06-1682,6431,231,38114.9KEOUGH KELLI ALLENOfficer
Sell2025-06-10174,2802,469,80014.2YESIL MAGDALENADirector
Grant2025-06-091,03312,50312.1RISHEL JEREMY DYLANChief Technology Officer
Sell2025-05-2011,520154,12613.4KEOUGH KELLI ALLENOfficer
Sell2025-04-2111,181119,70710.7KEOUGH KELLI ALLENOfficer
Sell2025-03-2068,625867,42012.6RISHEL JEREMY DYLANChief Technology Officer
Sell2025-03-2011,181142,23812.7KEOUGH KELLI ALLENOfficer
Sell2025-02-209,185141,70215.4KEOUGH KELLI ALLENOfficer
Sell2025-01-218,914156,73017.6KEOUGH KELLI ALLENOfficer
Sell2024-12-238,914138,94915.6KEOUGH KELLI ALLENOfficer
Sell2024-12-1964,9911,021,65915.7RISHEL JEREMY DYLANChief Technology Officer
Buy2024-12-1630,599500,00116.3SCHUPPENHAUER ERICOfficer
Sell2024-12-1252,000833,18616.0RUZWANA BASHIRDirector
Sell2024-12-0431,154,165498,834,76816.0SLTA IV GP, L.L.C.Unknown
Sell2024-11-209,590139,59414.6KEOUGH KELLI ALLENOfficer
Sell2024-10-219,30896,45810.4KEOUGH KELLI ALLENOfficer

Congressional trading

$0.002025-10$0.00
$0.002025-09$0.00
$0.002025-08$0.00
$0.002025-07$0.00
$0.002025-06$0.00
$0.002025-05$0.00
$0.002025-04$0.00
$0.002025-03$0.00
$0.002025-02$0.00
$0.002025-01$24002
$0.002024-12$0.00
$0.002024-11$0.00
$0.002024-10$0.00
DatePoliticianPartyChamberAmount ($)
Buy2025-01-02James ComerRHouse$1,001 - $15,000
Buy2025-01-02James ComerRHouse$1,001 - $15,000
Buy2025-01-02James ComerRHouse$1,001 - $15,000

Summary

Tools

Dividend Income

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What is the Dividend Income Calculator?

The Dividend Income Calculator helps you estimate the yearly, quarterly, monthly, and daily income of your investments.

How to Use This Calculator?

Enter the dividend yield and the invested amount. Optionally, preload stock data to automatically fetch the dividend yield.

Required Investment

Dividend Yield
Desired Yearly Payout
Desired Quarterly Payout
Desired Monthly Payout
What is the Required Investment Calculator?

The Required Investment Calculator helps you determine the amount of money you need to invest in a stock to achieve a desired dividend.

How to Use This Calculator?

Enter the dividend yield and your desired dividend income. Optionally, preload stock data to automatically fetch the dividend yield.

Future Dividend Yield

Base Dividend
Current Price
Number of Years
Dividend Growth Rate
What is the Future Yield Calculator?

The Future Yield Calculator helps you estimate the future dividend yield of a stock based on its current dividend, price, and expected dividend growth rate.

How to Use This Calculator?

Enter the base dividend, current price, number of years, and dividend growth rate. Optionally, preload stock data to automatically fetch the dividend and price. The calculator will display the current yield and the projected future yield.

Future Dividend Income

Base Dividend
Number of Years
Dividend Growth Rate
What is the Future Dividend Income Calculator?

The Future Dividend Income Calculator helps you estimate the future dividend income from your investments based on the current dividend yield and expected growth rate.

How to Use This Calculator?

Enter the current dividend yield, expected growth rate, and investment duration. Optionally, preload stock data to automatically fetch the dividend yield.

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