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SoFi Technologies, Inc.(SOFI)Earnings, Financials & Key Ratios
SOFI•NASDAQ•Banking & Credit
$16.02
$20.43B mkt cap·41.1× P/E·Price updated May 6, 2026
AboutSoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.Show more
- Net Interest Income$2.22B+29.3%
- Total Revenue$4.77B+28.8%
- Net Income$481M-3.5%
- Return on Equity5.66%-31.5%
- Net Interest Margin4.38%-7.5%
- Efficiency Ratio64.1%+1.1%
- ROA1.11%-26.3%
- Equity / Assets20.71%+15.0%
- Book Value per Share8.38+41.4%
- Tangible BV/Share6.78+66.2%
- Debt/Equity0.17-64.8%
SOFI Key Insights
SoFi Technologies, Inc. (SOFI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 4.4%
- ✓Well capitalized: 20.7% equity/assets
✗Weaknesses
- ✗Weak 3Y average ROE of 2.8%
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak momentum: RS Rating 14 (bottom 14%)
- ✗Shares diluted 13.7% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SOFI Price & Volume
SoFi Technologies, Inc. (SOFI) stock price & volume — 10-year historical chart
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SOFI Growth Metrics
SoFi Technologies, Inc. (SOFI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years44.73%
3 Years39.35%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-3.48%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM0.21%
Return on Capital
10 Years-2.43%
5 Years-1.75%
3 Years0.25%
Last Year1.21%
SOFI Recent Earnings
SoFi Technologies, Inc. (SOFI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 12/12 qtrs (100%)
Q1 2026Latest
Jan 30, 2026EPS
$0.13
Est $0.12
+12.7%
Revenue
$1.0B
Est $977M
+3.6%
Q4 2025
Oct 28, 2025EPS
$0.11
Est $0.08
+32.0%
Revenue
$962M
Est $889M
+8.2%
Q3 2025
Jul 29, 2025EPS
$0.08
Est $0.06
+30.3%
Revenue
$855M
Est $804M
+6.3%
Q2 2025
Apr 29, 2025EPS
$0.06
Est $0.03
+84.0%
Revenue
$772M
Est $739M
+4.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 30, 2026 | $0.13vs $0.12+12.7% | $1.0Bvs $977M+3.6% |
| Q4 2025 | Oct 28, 2025 | $0.11vs $0.08+32.0% | $962Mvs $889M+8.2% |
| Q3 2025 | Jul 29, 2025 | $0.08vs $0.06+30.3% | $855Mvs $804M+6.3% |
| Q2 2025 | Apr 29, 2025 | $0.06vs $0.03+84.0% | $772Mvs $739M+4.4% |
Based on last 12 quarters of dataView full earnings history →
SOFI Peer Comparison
SoFi Technologies, Inc. (SOFI) competitors in Student Loan Lending and Servicing — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 LC | 1.97B | 17.08 | 14.85 | 14.97% | 10.17% | 9.47% | 0.01 | |
 UPST | 2.98B | 31.17 | 69.27 | 58.87% | 4.98% | 6.59% | 2.32 | |
 AFRM | 22.26B | 66.81 | 445.40 | 38.8% | 7.6% | 8.83% | 2.7% | 2.56 |
 DAVE | 3.5B | 263.81 | 19.50 | 47.49% | 40.81% | 84.54% | 8.28% | 0.21 |
 OPFI | 258.44M | 9.75 | 9.85 | 13.52% | 4.41% | 10.12% | 100% | 1.10 |
 MOGO | 24.61M | 1.04 | -2.51 | 9.18% | 10.86% | 9.73% | 1.05 | |
 SLM | 4.47B | 22.54 | 6.51 | 4.1% | 23.95% | 31.01% | 12.89% | 2.39 |
 NAVI | 818.65M | 8.71 | -10.75 | -23.74% | -2.48% | -2.45% | 53.87% | 19.05 |
Compare SOFI vs Peers
SoFi Technologies, Inc. (SOFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SOFI Income Statement
SoFi Technologies, Inc. (SOFI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 259.06M | 329.83M | 177.93M | 252.24M | 584.1M | 1.26B | 1.72B | 2.22B |
| NII Growth % | - | 27.32% | -46.05% | 41.77% | 131.56% | 116.02% | 36.04% | 29.27% |
| Net Interest Margin % | 3.03% | 4.52% | 2.08% | 2.75% | 3.07% | 4.2% | 4.73% | 4.38% |
| Interest Income | 589.62M | 608.19M | 363.54M | 355.02M | 773.37M | 2.05B | 2.81B | 3.38B |
| Interest Expense | 330.55M | 278.36M | 185.61M | 102.78M | 189.28M | 789.33M | 1.09B | 1.16B |
| Loan Loss Provision | 0 | 0 | 0 | 7.57M | 54.33M | 54.95M | 31.71M | 30.32M |
| Non-Interest Income | 10.34M | 112.83M | 387.6M | 732.63M | 989.44M | 846.48M | 895.86M | 1.39B |
| Non-Interest Income % | 1.72% | 15.65% | 51.6% | 67.36% | 56.13% | 29.21% | 24.19% | 29.24% |
| Total Revenue | 599.95M▲ 0% | 721.02M▲ 20.2% | 751.14M▲ 4.2% | 1.09B▲ 44.8% | 1.76B▲ 62.1% | 2.9B▲ 64.4% | 3.7B▲ 27.8% | 4.77B▲ 28.8% |
| Revenue Growth % | - | 20.18% | 4.18% | 44.8% | 62.08% | 64.37% | 27.82% | 28.78% |
| Non-Interest Expense | 522.76M | 682.26M | 894.05M | 1.46B | 1.84B | 2.35B | 2.35B | 3.06B |
| Efficiency Ratio | 87.13% | 94.62% | 119.03% | 134.09% | 104.26% | 81.26% | 63.38% | 64.1% |
| Operating Income | -253.36M▲ 0% | -239.6M▲ 5.4% | -328.52M▼ 37.1% | -481.18M▼ 46.5% | -318.72M▲ 33.8% | -301.16M▲ 5.5% | 233.34M▲ 177.5% | 525.86M▲ 125.4% |
| Operating Margin % | -42.23% | -33.23% | -43.74% | -44.24% | -18.08% | -10.39% | 6.3% | 11.03% |
| Operating Income Growth % | - | 5.43% | -37.11% | -46.47% | 33.76% | 5.51% | 177.48% | 125.36% |
| Pretax Income | -253.36M▲ 0% | -239.6M▲ 5.4% | -328.52M▼ 37.1% | -481.18M▼ 46.5% | -318.72M▲ 33.8% | -301.16M▲ 5.5% | 233.34M▲ 177.5% | 525.86M▲ 125.4% |
| Pretax Margin % | -42.23% | -33.23% | -43.74% | -44.24% | -18.08% | -10.39% | 6.3% | 11.03% |
| Income Tax | -958K | 98K | -104.47M | 2.76M | 1.69M | -416K | -265.32M | 44.54M |
| Effective Tax Rate % | 0.38% | -0.04% | 31.8% | -0.57% | -0.53% | 0.14% | -113.7% | 8.47% |
| Net Income | -252.4M▲ 0% | -239.7M▲ 5.0% | -224.05M▲ 6.5% | -483.94M▼ 116.0% | -320.41M▲ 33.8% | -300.74M▲ 6.1% | 498.67M▲ 265.8% | 481.32M▼ 3.5% |
| Net Margin % | -42.07% | -33.24% | -29.83% | -44.49% | -18.18% | -10.38% | 13.46% | 10.09% |
| Net Income Growth % | - | 5.03% | 6.53% | -115.99% | 33.79% | 6.14% | 265.81% | -3.48% |
| Net Income (Continuing) | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M | 481.32M |
| EPS (Diluted) | -2.17▲ 0% | -2.27▼ 4.4% | -2.73▼ 20.3% | -1.00▲ 63.4% | -0.40▲ 60.0% | -0.36▲ 10.0% | 0.39▲ 208.3% | 0.39▲ 0.0% |
| EPS Growth % | - | -4.45% | -20.29% | 63.37% | 60% | 10% | 208.33% | 0% |
| EPS (Basic) | -2.17 | -2.27 | -2.73 | -1.00 | -0.40 | -0.36 | 0.46 | 0.42 |
| Diluted Shares Outstanding | 116.15M | 116.15M | 116.15M | 526.73M | 900.89M | 945.02M | 1.1B | 1.25B |
SOFI Balance Sheet
SoFi Technologies, Inc. (SOFI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 537M | 499.49M | 872.58M | 689.62M | 1.46B | 3.59B | 4.34B | 4.93B |
| Cash & Due from Banks | 537M | 499.49M | 872.58M | 494.71M | 1.42B | 3.09B | 2.54B | 4.93B |
| Short Term Investments | 0 | 0 | 0 | 194.91M | 39.43M | 500.94M | 1.8B | 0 |
| Total Investments | -8.56B | 6.15B | 5.48B | 6.68B | 14.32B | 23.79B | 29.84B | 25.39B |
| Investments Growth % | - | 171.81% | -10.77% | 21.81% | 114.37% | 66.16% | 25.4% | -14.91% |
| Long-Term Investments | 0 | 6.15B | 5.48B | 6.48B | 14.28B | 23.29B | 28.03B | 25.39B |
| Accounts Receivables | 0 | 12.14M | 23.28M | 85.52M | 127.05M | 169.85M | 587.5M | 0 |
| Goodwill & Intangibles | 204.75M | 229.07M | 1.4B | 1.35B | 2.21B | 1.94B | 2.03B | 2B |
| Goodwill | 15.74M | 15.67M | 899.27M | 898.53M | 1.62B | 1.39B | 1.39B | 1.39B |
| Intangible Assets | 189.01M | 213.4M | 504.68M | 452.84M | 592.01M | 544.52M | 639.92M | 610.1M |
| PP&E (Net) | 13.29M | 161M | 198.35M | 227.06M | 267.24M | 306.54M | 369.09M | 510.39M |
| Other Assets | 8.01B | 232.32M | 586.92M | 280.15M | 583.82M | 669.28M | 342.67M | 17.4B |
| Total Current Assets | 325.11M | 520.8M | 890.5M | 833.04M | 1.66B | 3.87B | 5.21B | 5.36B |
| Total Non-Current Assets | 8.22B | 6.77B | 7.67B | 8.34B | 17.35B | 26.21B | 31.04B | 45.3B |
| Total Assets | 8.55B▲ 0% | 7.29B▼ 14.7% | 8.56B▲ 17.5% | 9.18B▲ 7.2% | 19.01B▲ 107.1% | 30.07B▲ 58.2% | 36.25B▲ 20.5% | 50.66B▲ 39.7% |
| Asset Growth % | - | -14.75% | 17.48% | 7.16% | 107.14% | 58.22% | 20.54% | 39.75% |
| Return on Assets (ROA) | -2.95% | -3.03% | -2.83% | -5.46% | -2.27% | -1.23% | 1.5% | 1.11% |
| Accounts Payable | 0 | 103.59M | 452.91M | 158.06M | 144.57M | 159.91M | 132.78M | 0 |
| Total Debt | 6.65B | 5.08B | 5.06B | 4.19B | 5.63B | 5.36B | 3.2B | 1.82B |
| Net Debt | 6.11B | 4.59B | 4.18B | 3.7B | 4.21B | 2.28B | 665.92M | -3.11B |
| Long-Term Debt | 6.62B | 4.8B | 4.43B | 3.54B | 5.02B | 4.75B | 2.61B | 1.82B |
| Short-Term Debt | 28.2M | 161M | 486M | 497.81M | 486M | 486M | 486M | 0 |
| Other Liabilities | 102.3M | -103.59M | -452.91M | 27.39M | 145.48M | 128.46M | 117.67M | 38.36B |
| Total Current Liabilities | 7.33M | 368.18M | 1.39B | 750.07M | 8.12B | 19.47B | 26.86B | 0 |
| Total Non-Current Liabilities | 6.72B | 4.82B | 4.12B | 3.73B | 5.36B | 5.05B | 2.86B | 40.17B |
| Total Liabilities | 6.73B | 5.19B | 5.51B | 4.48B | 13.48B | 24.52B | 29.73B | 40.17B |
| Total Equity | 1.82B▲ 0% | 2.1B▲ 15.3% | 3.05B▲ 45.4% | 4.7B▲ 53.8% | 5.53B▲ 17.7% | 5.55B▲ 0.5% | 6.53B▲ 17.5% | 10.49B▲ 60.8% |
| Equity Growth % | - | 15.29% | 45.36% | 53.84% | 17.68% | 0.48% | 17.46% | 60.76% |
| Equity / Assets (Capital Ratio) | 21.31% | 28.82% | 35.66% | 51.19% | 29.09% | 18.47% | 18% | 20.71% |
| Return on Equity (ROE) | -13.85% | -12.22% | -8.69% | -12.49% | -6.27% | -5.43% | 8.26% | 5.66% |
| Book Value per Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 | 8.38 |
| Tangible BV per Share | 13.92 | 16.11 | 14.20 | 6.35 | 3.68 | 3.83 | 4.08 | 6.78 |
| Common Stock | 0 | 0 | 0 | 83K | 93K | 97K | 109K | 126K |
| Additional Paid-in Capital | 157.65M | 135.52M | 579.23M | 5.56B | 6.72B | 7.04B | 7.84B | 11.3B |
| Retained Earnings | -223.14M | -474.56M | -699.18M | -1.18B | -1.5B | -1.8B | -1.31B | -824.28M |
| Accumulated OCI | -12K | -21K | -166K | -1.47M | -8.3M | -1.21M | -8.37M | 10.98M |
| Treasury Stock | -2.91M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.89B | 2.44B | 3.17B | 320.37M | 320.37M | 320.37M | 0 | 0 |
SOFI Cash Flow Statement
SoFi Technologies, Inc. (SOFI) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.02B | -54.73M | -479.34M | -1.35B | -7.26B | -7.23B | -1.12B | -3.74B |
| Operating CF Growth % | - | -105.35% | -775.77% | -181.68% | -437.38% | 0.4% | 84.51% | -234.21% |
| Net Income | -252.4M | -239.7M | -224.05M | -483.94M | -320.41M | -300.74M | 498.67M | 481.32M |
| Depreciation & Amortization | 10.91M | 15.96M | 69.83M | 101.57M | 151.36M | 201.42M | 203.5M | 234.15M |
| Deferred Taxes | -1.09M | 52K | -104.5M | 1.2M | -3.5M | -15.83M | -286.92M | 16.19M |
| Other Non-Cash Items | -5.74M | 37.5M | 76.85M | 137.25M | 106.26M | 249.97M | -168.34M | -297.74M |
| Working Capital Changes | 1.23B | 70.04M | -397.33M | -1.35B | -7.5B | -7.63B | -1.61B | -4.44B |
| Cash from Investing | -12.25M | 114.87M | 258.95M | 110.19M | -106.33M | -1.89B | -4.82B | -6.72B |
| Purchase of Investments | -100.4M | -3.61M | -145K | -268.37M | -44.97M | -867.06M | -2.23B | -3.73B |
| Sale/Maturity of Investments | 101.88M | 165.12M | 323.68M | 414.13M | 157.56M | 533.11M | 1.08B | 1.46B |
| Net Investment Activity | 1.48M | 161.51M | 323.53M | 145.76M | 112.59M | -333.95M | -1.15B | -2.27B |
| Acquisitions | 0 | 0 | -32.39M | 0 | 58.54M | -72.3M | 0 | 0 |
| Other Investing | 0 | -9.05M | -7.64M | 16.69M | -184.26M | -1.37B | -3.52B | -4.21B |
| Cash from Financing | -954.79M | 93.08M | 853.75M | 684.99M | 8.44B | 10.89B | 5.03B | 13.11B |
| Dividends Paid | 0 | -23.92M | -40.54M | -40.43M | -40.42M | -40.42M | -16.5M | 0 |
| Share Repurchases | 0 | -8.8M | -40K | -283.38M | 0 | 0 | 0 | -64.99M |
| Stock Issued | 0 | 0 | 369.84M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | -8.8M | 369.8M | -283.38M | 0 | 0 | 0 | -64.99M |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | -23.25M | -80.08M | -408K | 1.92B | 7.14B | 11.21B | 6.87B | 14.46B |
| Net Change in Cash | 56.25M▲ 0% | 153.2M▲ 172.3% | 633.22M▲ 313.3% | -554.99M▼ 187.6% | 1.08B▲ 294.2% | 1.77B▲ 64.1% | -906.22M▼ 151.2% | 2.65B▲ 392.1% |
| Exchange Rate Effect | 21K | -9K | -145K | 46K | 571K | 677K | 2K | -355K |
| Cash at Beginning | 480.75M | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B | 2.71B |
| Cash at End | 537M | 690.21M | 1.32B | 768.44M | 1.85B | 3.62B | 2.71B | 5.36B |
| Interest Paid | 223.44M | 224.92M | 129.13M | 94.8M | 150.87M | 720.16M | 1.12B | 0 |
| Income Taxes Paid | 138K | 8K | 529K | 1.76M | 2.57M | 14.33M | 26.91M | 0 |
| Free Cash Flow | 1.01B▲ 0% | -92.32M▼ 109.1% | -503.88M▼ 445.8% | -1.4B▼ 178.3% | -7.36B▼ 424.8% | -7.35B▲ 0.2% | -1.28B▲ 82.5% | -3.98B▼ 210.5% |
| FCF Growth % | - | -109.15% | -445.78% | -178.33% | -424.76% | 0.15% | 82.53% | -210.49% |
SOFI Banking Ratios
SoFi Technologies, Inc. (SOFI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -13.85% | -12.22% | -8.69% | -12.49% | -6.27% | -5.43% | 8.26% | 5.66% |
| Return on Assets (ROA) | -2.95% | -3.03% | -2.83% | -5.46% | -2.27% | -1.23% | 1.5% | 1.11% |
| Net Interest Margin | 3.03% | 4.52% | 2.08% | 2.75% | 3.07% | 4.2% | 4.73% | 4.38% |
| Efficiency Ratio | 87.13% | 94.62% | 119.03% | 134.09% | 104.26% | 81.26% | 63.38% | 64.1% |
| Equity / Assets | 21.31% | 28.82% | 35.66% | 51.19% | 29.09% | 18.47% | 18% | 20.71% |
| Book Value / Share | 15.69 | 18.09 | 26.29 | 8.92 | 6.14 | 5.88 | 5.92 | 8.38 |
| NII Growth | - | 27.32% | -46.05% | 41.77% | 131.56% | 116.02% | 36.04% | 29.27% |
SOFI SEC Filings & Documents
SoFi Technologies, Inc. (SOFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
SOFI Frequently Asked Questions
SoFi Technologies, Inc. (SOFI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
SoFi Technologies, Inc. (SOFI) grew revenue by 28.8% over the past year. This is strong growth.
Yes, SoFi Technologies, Inc. (SOFI) is profitable, generating $481.3M in net income for fiscal year 2025 (10.1% net margin).
Dividend & Returns
SoFi Technologies, Inc. (SOFI) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.
Industry Metrics
SoFi Technologies, Inc. (SOFI) has a net interest margin (NIM) of 4.4%. This indicates healthy earnings from lending activities.
SoFi Technologies, Inc. (SOFI) has an efficiency ratio of 64.1%. This is reasonable for a bank.
Explore More SOFI
SoFi Technologies, Inc. (SOFI) financial analysis — history, returns, DCA and operating performance tools
Full SOFI Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates