SOFI (SoFi Technologies Inc.) Trailing twelve months financial, business summary

SoFi Technologies Inc.

SOFI

15.66 (-0.57%) 0.09

Market cap

$20.23(B)

Earnings date

Oct-26-2026

Sector

Financials

Industry

Consumer Finance

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.

EV: —

Total Equity: $11.08(B)

Debt/Equity: 0.31

Dividend/share: $0.0

Div. yield: 0.00%

P/E: 30.71

Forward P/E: 26.54

P/FCF: N/A

P/S: 4.55

P/B: 1.83

EPS: $0.5

EPS (fwd): $0.6

FCF/share: $-6.8

Revenue/share: $3.4

Book value/share: $8.6

ROIC: 6.1%

ROA: 1.6%

ROE: 8.6%

Margins: Gross | Op. | Net

83.7% | NaN% | 14.9%

0.0%of Portfolio

My holdings

Day change

Total change

Overview Valuation Growth Financials & KPIs Competitors & Peer Comparison Ownership Tools All

PEvaluation

71%

$4.56

Based on a fair P/E of 3.8x and
forward EPS of $1.20

Valuation summary

Min—

Max—

Average—

Median—

Valuation comparison

Quality checklist score

5/8

Based on your selected metrics.

Debt/Equity < 1 Current Ratio > 1 Net Margin > 10% Past Net Income CAGR > 0% Est. EPS Growth > 5%

5Y Shares Out Change < 0% ROIC > 10% Quick Ratio > 1

TTM Financials

Income (TTM)

Revenue$4.27(B)

Gross profit$3.57(B)

EBITDA$0

Net income$636.26(M)

Gross margin83.7%

Operating marginNaN%

Net margin14.9%

Shares outstanding1.29(B)

Balance sheet

Total assets$60.95(B)

Current assets$51.80(B)

Total liabilities$49.87(B)

Current liabilities$46.87(B)

Cash & Short-term inv.$3.37(B)

Long-term debt$2.87(B)

Total intangibles$2.02(B)

PP&E$582.86(M)

Cash flow (TTM)

FCF$-8.79(B)

CapEx$-290.50(M)

Dividends paid$0

Stock issued$3.32(B)

Stock repurchased$-65.07(M)

Stock-based comp.$283.92(M)

Debt issued$672.77(M)

Debt repaid$-1.27(B)

Per share data (TTM)

Price

$15.7

Income

Revenue

$3.44•4.6x|22.0%

Gross profit

$2.77•5.7x|17.7%

Earnings (EPS)

$0.51•30.7x|3.3%

Cash flow

FCF

-$6.81•-2.3x|-43.5%

Stock-based comp.

$0.22•71.2x|1.4%

CapEx

$0.22•69.6x|1.4%

Dividend

$0.00•—|0.0%

Balance sheet

Total assets

$47.2•0.3x|301.3%

Total liabilities

$38.6•0.4x|246.6%

Book value

$8.58•1.8x|54.8%

Cash & ST inv.

$2.61•6.0x|16.6%

Debt

$2.22•7.0x|14.2%

Forward earnings

EPS FY+1

$0.59•26.5x|3.8%

EPS FY+2

$0.82•19.1x|5.2%

EPS FY+3

$1.10•14.2x|7.0%

EPS FY+4

$1.35•11.6x|8.6%

EPS FY+5

$1.71•9.2x|10.9%

Forward FCF

FCF FY+1

$1.16•13.5x|7.4%

FCF FY+2

$1.38•11.4x|8.8%

FCF FY+3

$1.83•8.6x|11.7%

Summary

	Low	Avg	High	#
FY+1	0.6	0.6	0.6	9
FY+2	0.8	0.8	0.9	9
FY+3	1.0	1.1	1.2	5
FY+4	1.4	1.4	1.4	1
FY+5	1.7	1.7	1.7	1

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First Stage Duration: 5 Years

Starting Free Cash Flow
First Stage Growth Rate
Low Mid High
Terminal Growth Rate
Low Mid High
Discount Rate

Forecast years: 5 Years

Terminal Growth Rate
Low Mid High
Discount Rate

Forecast years: 5 Years

Exit FCF Multiple
Low Mid High
Discount Rate

Annual Dividend
First Stage Length (Years): 0 Years

First Stage Growth Rate
Low Mid High
Final Growth Rate
Low Mid High
Discount Rate

Forecast years: 5 Years

Starting EPS
EPS Growth Rate
Low Mid High
Final P/E
Low Mid High
Discount Rate

Market cap

Earnings date

Category

Sector

Industry

TTM Financials

Income (TTM)

Balance sheet

Cash flow (TTM)

Per share data (TTM)

Summary

PEvaluation

Fair P/E

Margin of safety

EPS

Market Model

Economic moat: None/narrow

EPS Estimates

Analyst Price Targets

Analyst Recommendations

2-stage DCF

Discounted Cash Flow

Free cash flow estimates:

Discounted Cash Flow (exit mult.)

Free cash flow estimates:

Dividend Discount Model

EPS Growth

Revenue Growth Valuation

Peter Lynch Fair Value

Graham Formula

Forecast Years: 10 Years

Base Revenue
Revenue Growth Rate
Low Mid High
Final Net Margin
Low Mid High
Final P/E Ratio
Low Mid High
Discount Rate

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