| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| SOFISoFi Technologies, Inc. | 33.41B | 26.44 | 67.79 | 27.82% | 13.46% | 7.29% | 0.49 | |
| ANTAAntalpha Platform Holding Company | 228.13M | 9.64 | 50.71 | 320.96% | 9.26% | 3.6% | 8.84 | |
| LCLendingClub Corporation | 2.35B | 20.36 | 45.24 | 2.25% | 4.42% | 7.1% | 0.02 | |
| NRDSNerdWallet, Inc. | 543.62M | 13.25 | 33.97 | 14.71% | 4.42% | 18.22% | 13.1% | 0.02 |
| UPSTUpstart Holdings, Inc. | 4.66B | 47.91 | -33.27 | 23.6% | -18.99% | 4.33% | 3.98% | 2.29 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 259.06M | 329.83M | 177.93M | 252.24M | 584.1M | 1.26B | 1.72B |
| NII Growth % | - | 0.27% | -0.46% | 0.42% | 1.32% | 1.16% | 0.36% |
| Net Interest Margin % | - | - | - | - | - | - | - |
| Interest Income | 589.62M | 608.19M | 363.54M | 355.02M | 773.37M | 2.05B | 2.81B |
| Interest Expense | 330.55M | 278.36M | 185.61M | 102.78M | 189.28M | 789.33M | 1.09B |
| Loan Loss Provision | 0 | 0 | 0 | 7.57M | 54.33M | 54.95M | 31.71M |
| Non-Interest Income | 10.34M | 112.83M | 387.6M | 732.63M | 989.44M | 846.48M | 895.86M |
| Non-Interest Income % | - | - | - | - | - | - | - |
| Total Revenue | 599.95M | 721.02M | 751.14M | 1.09B | 1.76B | 2.9B | 3.7B |
| Revenue Growth % | - | 0.2% | 0.04% | 0.45% | 0.62% | 0.64% | 0.28% |
| Non-Interest Expense | 522.76M | 682.26M | 894.05M | 1.46B | 1.84B | 2.35B | 2.35B |
| Efficiency Ratio | - | - | - | - | - | - | - |
| Operating Income | -253.36M | -239.6M | -328.52M | -481.18M | -318.72M | -301.16M | 233.34M |
| Operating Margin % | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.05% | -0.37% | -0.46% | 0.34% | 0.06% | 1.77% |
| Pretax Income | -253.36M | -239.6M | -328.52M | -481.18M | -318.72M | -301.16M | 233.34M |
| Pretax Margin % | - | - | - | - | - | - | - |
| Income Tax | -958K | 98K | -104.47M | 2.76M | 1.69M | -416K | -265.32M |
| Effective Tax Rate % | - | - | - | - | - | - | - |
| Net Income | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| Net Margin % | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.05% | 0.07% | -1.16% | 0.34% | 0.06% | 2.66% |
| Net Income (Continuing) | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| EPS (Diluted) | -2.17 | -2.27 | -2.73 | -1.00 | -0.40 | -0.36 | 0.39 |
| EPS Growth % | - | -0.04% | -0.2% | 0.63% | 0.6% | 0.1% | 2.08% |
| EPS (Basic) | -2.17 | -2.27 | -2.73 | -1.00 | -0.40 | -0.36 | 0.46 |
| Diluted Shares Outstanding | 116.15M | 116.15M | 116.15M | 526.73M | 900.89M | 945.02M | 1.1B |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 537M | 499.49M | 872.58M | 494.71M | 1.42B | 3.09B | 2.54B |
| Short Term Investments | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K |
| Total Investments | -8.56B | 6.15B | 5.48B | 6.68B | 14.32B | 23.79B | 29.84B |
| Investments Growth % | - | 1.72% | -0.11% | 0.22% | 1.14% | 0.66% | 0.25% |
| Long-Term Investments | 0 | 6.15B | 5.48B | 6.48B | 14.28B | 23.29B | 28.03B |
| Accounts Receivables | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - |
| Goodwill | 15.74M | 15.67M | 899.27M | 898.53M | 1.62B | 1.39B | 1.39B |
| Intangible Assets | 189.01M | 213.4M | 504.68M | 452.84M | 592.01M | 544.52M | 639.92M |
| PP&E (Net) | 13.29M | 161M | 198.35M | 227.06M | 267.24M | 306.54M | 369.09M |
| Other Assets | 8.01B | 232.32M | 586.92M | 280.15M | 583.82M | 669.28M | 342.67M |
| Total Current Assets | 325.11M | 520.8M | 890.5M | 833.04M | 1.66B | 3.87B | 5.21B |
| Total Non-Current Assets | 8.22B | 6.77B | 7.67B | 8.34B | 17.35B | 26.21B | 31.04B |
| Total Assets | 8.55B | 7.29B | 8.56B | 9.18B | 19.01B | 30.07B | 36.25B |
| Asset Growth % | - | -0.15% | 0.17% | 0.07% | 1.07% | 0.58% | 0.21% |
| Return on Assets (ROA) | -0.03% | -0.03% | -0.03% | -0.05% | -0.02% | -0.01% | 0.02% |
| Accounts Payable | 0 | 103.59M | 452.91M | 158.06M | 144.57M | 159.91M | 132.78M |
| Total Debt | 6.65B | 5.08B | 5.06B | 4.19B | 5.63B | 5.36B | 3.2B |
| Net Debt | 6.11B | 4.59B | 4.18B | 3.7B | 4.21B | 2.28B | 665.92M |
| Long-Term Debt | 6.62B | 4.8B | 4.43B | 3.54B | 5.02B | 4.75B | 2.61B |
| Short-Term Debt | 28.2M | 161M | 486M | 497.81M | 486M | 486M | 486M |
| Other Liabilities | 102.3M | -103.59M | -452.91M | 27.39M | 145.48M | 128.46M | 117.67M |
| Total Current Liabilities | 7.33M | 368.18M | 1.39B | 750.07M | 8.12B | 19.47B | 26.86B |
| Total Non-Current Liabilities | 6.72B | 4.82B | 4.12B | 3.73B | 5.36B | 5.05B | 2.86B |
| Total Liabilities | 6.73B | 5.19B | 5.51B | 4.48B | 13.48B | 24.52B | 29.73B |
| Total Equity | 1.82B | 2.1B | 3.05B | 4.7B | 5.53B | 5.55B | 6.53B |
| Equity Growth % | - | 0.15% | 0.45% | 0.54% | 0.18% | 0% | 0.17% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.14% | -0.12% | -0.09% | -0.12% | -0.06% | -0.05% | 0.08% |
| Book Value per Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 |
| Tangible BV per Share | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 0 | 83K | 93K | 97K | 109K |
| Additional Paid-in Capital | 157.65M | 135.52M | 579.23M | 5.56B | 6.72B | 7.04B | 7.84B |
| Retained Earnings | -223.14M | -474.56M | -699.18M | -1.18B | -1.5B | -1.8B | -1.31B |
| Accumulated OCI | -12K | -21K | -166K | -1.47M | -8.3M | -1.21M | -8.37M |
| Treasury Stock | -2.91M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.89B | 2.44B | 3.17B | 320.37M | 320.37M | 320.37M | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.02B | -54.73M | -479.34M | -1.35B | -7.26B | -7.23B | -1.12B |
| Operating CF Growth % | - | -1.05% | -7.76% | -1.82% | -4.37% | 0% | 0.85% |
| Net Income | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M |
| Depreciation & Amortization | 10.91M | 15.96M | 69.83M | 101.57M | 151.36M | 201.42M | 203.5M |
| Deferred Taxes | -1.09M | 52K | -104.5M | 1.2M | -3.5M | -15.83M | -286.92M |
| Other Non-Cash Items | -5.74M | 37.5M | 76.85M | 137.25M | 106.26M | 249.97M | -168.34M |
| Working Capital Changes | 1.23B | 70.04M | -397.33M | -1.35B | -7.5B | -7.63B | -1.61B |
| Cash from Investing | -12.25M | 114.87M | 258.95M | 110.19M | -106.33M | -1.89B | -4.82B |
| Purchase of Investments | -100.4M | -3.61M | -145K | -268.37M | -44.97M | -867.06M | -2.23B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | -32.39M | 0 | 58.54M | -72.3M | 0 |
| Other Investing | 0 | -9.05M | -7.64M | 16.69M | -184.26M | -1.37B | -3.52B |
| Cash from Financing | -954.79M | 93.08M | 853.75M | 684.99M | 8.44B | 10.89B | 5.03B |
| Dividends Paid | 0 | -23.92M | -40.54M | -40.43M | -40.42M | -40.42M | -16.5M |
| Share Repurchases | 0 | -8.8M | -40K | -283.38M | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 369.84M | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -23.25M | -80.08M | -408K | 1.92B | 7.14B | 11.21B | 6.87B |
| Net Change in Cash | 56.25M | 153.2M | 633.22M | -554.99M | 1.08B | 1.77B | -906.22M |
| Exchange Rate Effect | 21K | -9K | -145K | 46K | 571K | 677K | 2K |
| Cash at Beginning | 480.75M | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B |
| Cash at End | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B | 2.71B |
| Interest Paid | 223.44M | 224.92M | 129.13M | 94.8M | 150.87M | 720.16M | 1.12B |
| Income Taxes Paid | 138K | 8K | 529K | 1.76M | 2.57M | 14.33M | 26.91M |
| Free Cash Flow | 1.01B | -92.32M | -503.88M | -1.4B | -7.36B | -7.35B | -1.28B |
| FCF Growth % | - | -1.09% | -4.46% | -1.78% | -4.25% | 0% | 0.83% |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -13.85% | -12.22% | -8.69% | -12.49% | -6.27% | -5.43% | 8.26% |
| Return on Assets (ROA) | -2.95% | -3.03% | -2.83% | -5.46% | -2.27% | -1.23% | 1.5% |
| Net Interest Margin | 3.03% | 4.52% | 2.08% | 2.75% | 3.07% | 4.2% | 4.73% |
| Efficiency Ratio | 87.13% | 94.62% | 119.03% | 134.09% | 104.26% | 81.26% | 63.38% |
| Equity / Assets | 21.31% | 28.82% | 35.66% | 51.19% | 29.09% | 18.47% | 18% |
| Book Value / Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 |
| NII Growth | - | 27.32% | -46.05% | 41.77% | 131.56% | 116.02% | 36.04% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| Lending | 738.32M | 1.14B | 1.37B | 1.49B |
| Lending Growth | - | 54.40% | 20.23% | 8.36% |
| Financial Services | 54.67M | 167.68M | 436.51M | 821.51M |
| Financial Services Growth | - | 206.73% | 160.33% | 88.20% |
| Technology Platform | 193.05M | 315.13M | 352.34M | 395.18M |
| Technology Platform Growth | - | 63.24% | 11.81% | 12.16% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| UNITED STATES | - | 1.5B | 2.03B | 2.58B |
| UNITED STATES Growth | - | - | 34.79% | 27.04% |
| Non-US | - | 68.86M | 94.68M | 98.4M |
| Non-US Growth | - | - | 37.50% | 3.94% |
SoFi Technologies, Inc. (SOFI) has a price-to-earnings (P/E) ratio of 67.8x. This suggests investors expect higher future growth.
SoFi Technologies, Inc. (SOFI) grew revenue by 27.8% over the past year. This is strong growth.
Yes, SoFi Technologies, Inc. (SOFI) is profitable, generating $640.2M in net income for fiscal year 2024 (13.5% net margin).
SoFi Technologies, Inc. (SOFI) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.
SoFi Technologies, Inc. (SOFI) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.
SoFi Technologies, Inc. (SOFI) has a net interest margin (NIM) of 4.7%. This indicates healthy earnings from lending activities.
SoFi Technologies, Inc. (SOFI) has an efficiency ratio of 63.4%. This is reasonable for a bank.