SoFi Technologies, Inc. (SOFI)

Financial Services
Credit Services
United States
Yahoo Finance  •  Trading View  •  Company site
Price
$28.03
▲ 0.16 (0.57%)
Market Cap
$33,564,526,592
Shares: 1,050,219,000
P/E
32.43
P/B: 2.48
ROE
7.64%
Current Ratio: 0.19
Fundamentals Score
49 (NEUTRAL)

Company Overview

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.

Headquarters: 234 1st Street, San Francisco, CA, 94105, United States  |  Employees: 5000  |  Website: sofi.com
Key Contacts
IR / Phone: 855 456 7634
Exchange: NMS
Industry: Credit Services
Quick Financial Snapshot
Revenue$3,703,678,000
Net Income$498,665,000
Free Cash Flow$-1,283,424,000
Book Value / Share$6.21

Balance Sheet & Liquidity

Total Liabilities$29,725,817,000
Total Equity$6,525,134,000
Debt / Equity0.49
Current Ratio0.19
Interest Coverage0.21
Working Capital$-21,655,541,000

Valuation Metrics

Core multiples and valuation signals — useful to compare vs peers.

P/E (TTM)32.43
Industry P/EN/A
Forward P/E96.66
P/B2.48
Price / Sales4.37
P / FCF-12.60
EV / EBITDA38.55
Graham Number$8.15
DCF (placeholder)
Notes: red items typically indicate expensive multiples relative to fundamentals. Use the "Compare with industry" tool for context.

EPS (Annual)

Financial Performance

Revenue vs Net Income

Free Cash Flow (annual)

Profitability & Efficiency

Gross Margin 69.68%
Operating Margin 6.30%
Net Margin 13.46%
ROIC 5.05%
Asset Turnover 0.10

Automated Fundamental Signals (Score: 49)

Passed
  • EPS shows upward trend
  • Price CAGR 15.39%
  • ROIC 5.0%
  • Gross Margin 69.7%
  • P/B Ratio 2.48
  • Operating Margin 6.3%
  • Debt/EBITDA
  • Low reliance on intangibles
Failed
  • Debt/Equity ratio
  • Positive Free Cash Flow
  • Current Ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Price below Graham Number
  • DCF valuation (undefined)

Price Chart (Candlestick)

Technical Analysis (Score: 75)

RSI (14)55.93
SMA 5025.87
SMA 20017.73
MACD0.43
Signal BULLISH
RSI 55.9, SMA trend bullish, momentum 179.2%.

Governance & Management

Governance scores: Audit: 6 | Board: 7 | Compensation: 10 | Shareholder Rights: 7
Executive Team
NameTitle
Mr. George Thompson Hutton Independent Non Executive Chairman (1956)
Mr. Anthony J. Noto CEO & Director (1969)
Mr. Christopher Lapointe Chief Financial Officer (1984)
Mr. Stephen Simcock General Counsel & Secretary (1963)
Mr. Arun Pinto Chief Risk Officer (1979)
Mr. Eric J. Schuppenhauer Executive VP & Group Business Unit Leader of Borrow (1971)
Ms. Diane Tucker Senior Vice President of Global Operations (—)
Mr. Jeremy Rishel Chief Technology Officer (1973)
Governance data last updated: 10/1/2025

Latest News

No news available for this company.

← Back