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SoFi Technologies, Inc. (SOFI) 10-Year Financial Performance & Capital Metrics

SOFI • • Banking & Credit
Financial ServicesCredit ServicesStudent Loan Lending and Servicing
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 $1.72B +36.0%
  • Total Revenue $3.7B +27.8%
  • Net Income $499M +265.8%
  • Return on Equity 8.26% +252.1%
  • Net Interest Margin 4.73% +12.9%
  • Efficiency Ratio 63.38% -22.0%
  • ROA 1.5% +222.7%
  • Equity / Assets 18% -2.5%
  • Book Value per Share 5.92 +0.8%
  • Tangible BV/Share 4.08 +6.6%
  • Debt/Equity 0.49 -49.1%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Strong NIM of 4.7%
  • ✓Well capitalized: 18.0% equity/assets

✗Weaknesses

  • ✗Weak momentum: RS Rating 20 (bottom 20%)
  • ✗Shares diluted 16.5% 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.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y38.72%
3Y50.45%
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM199.03%

EPS CAGR

10Y-
5Y-
3Y-
TTM367.03%

ROCE

10Y Avg-2.95%
5Y Avg-2.92%
3Y Avg-1.26%
Latest2.33%

Peer Comparison

Student Loan Lending and Servicing
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Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
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Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
SOFISoFi Technologies, Inc.21.39B17.7645.5427.82%13.46%7.29%0.49
JSMNavient Corporation SR NT 6% 1215435.31B19.3716.14229.5%3.44%-2.05%8.65%16.35
NAVINavient Corporation840.97M8.797.45-12.45%3.09%-2.05%54.58%18.43
SLMSLM Corporation3.73B18.746.995.21%20.36%26.62%2.98
NNINelnet, Inc.1.37B129.46-55.5%32.4%27.31%

Compare SOFI vs Peers

Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.

vs JSM

Compare head-to-head with Navient Corporation SR NT 6% 121543

vs SLM

Compare head-to-head with SLM Corporation

Compare Top 5

vs JSM, SLM, NNI, NAVI

Profit & Loss

Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Net Interest Income+259.06M329.83M177.93M252.24M584.1M1.26B1.72B
NII Growth %-27.32%-46.05%41.77%131.56%116.02%36.04%
Net Interest Margin %-------
Interest Income589.62M608.19M363.54M355.02M773.37M2.05B2.81B
Interest Expense330.55M278.36M185.61M102.78M189.28M789.33M1.09B
Loan Loss Provision0007.57M54.33M54.95M31.71M
Non-Interest Income+10.34M112.83M387.6M732.63M989.44M846.48M895.86M
Non-Interest Income %-------
Total Revenue+599.95M721.02M751.14M1.09B1.76B2.9B3.7B
Revenue Growth %-20.18%4.18%44.8%62.08%64.37%27.82%
Non-Interest Expense522.76M682.26M894.05M1.46B1.84B2.35B2.35B
Efficiency Ratio-------
Operating Income+-253.36M-239.6M-328.52M-481.18M-318.72M-301.16M233.34M
Operating Margin %-------
Operating Income Growth %-5.43%-37.11%-46.47%33.76%5.51%177.48%
Pretax Income+-253.36M-239.6M-328.52M-481.18M-318.72M-301.16M233.34M
Pretax Margin %-------
Income Tax+-958K98K-104.47M2.76M1.69M-416K-265.32M
Effective Tax Rate %-------
Net Income+-252.4M-239.7M-224.05M-483.94M-320.41M-300.74M498.67M
Net Margin %-------
Net Income Growth %-5.03%6.53%-115.99%33.79%6.14%265.81%
Net Income (Continuing)-252.4M-239.7M-224.05M-483.94M-320.41M-300.74M498.67M
EPS (Diluted)+-2.17-2.27-2.73-1.00-0.40-0.360.39
EPS Growth %--4.45%-20.34%63.39%60%10%208.33%
EPS (Basic)-2.17-2.27-2.73-1.00-0.40-0.360.46
Diluted Shares Outstanding116.15M116.15M116.15M526.73M900.89M945.02M1.1B

Balance Sheet

Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash & Short Term Investments+537M499.49M872.58M689.62M1.46B3.59B4.34B
Cash & Due from Banks537M499.49M872.58M494.71M1.42B3.09B2.54B
Short Term Investments000194.91M39.43M500.94M1.8B
Total Investments+-8.56B6.15B5.48B6.68B14.32B23.79B29.84B
Investments Growth %-171.81%-10.77%21.81%114.37%66.16%25.4%
Long-Term Investments06.15B5.48B6.48B14.28B23.29B28.03B
Accounts Receivables012.14M23.28M85.52M127.05M169.85M587.5M
Goodwill & Intangibles+-------
Goodwill15.74M15.67M899.27M898.53M1.62B1.39B1.39B
Intangible Assets189.01M213.4M504.68M452.84M592.01M544.52M639.92M
PP&E (Net)13.29M161M198.35M227.06M267.24M306.54M369.09M
Other Assets8.01B232.32M586.92M280.15M583.82M669.28M342.67M
Total Current Assets325.11M520.8M890.5M833.04M1.66B3.87B5.21B
Total Non-Current Assets8.22B6.77B7.67B8.34B17.35B26.21B31.04B
Total Assets+8.55B7.29B8.56B9.18B19.01B30.07B36.25B
Asset Growth %--14.75%17.48%7.16%107.14%58.22%20.54%
Return on Assets (ROA)-2.95%-3.03%-2.83%-5.46%-2.27%-1.23%1.5%
Accounts Payable0103.59M452.91M158.06M144.57M159.91M132.78M
Total Debt+6.65B5.08B5.06B4.19B5.63B5.36B3.2B
Net Debt6.11B4.59B4.18B3.7B4.21B2.28B665.92M
Long-Term Debt6.62B4.8B4.43B3.54B5.02B4.75B2.61B
Short-Term Debt28.2M161M486M497.81M486M486M486M
Other Liabilities102.3M-103.59M-452.91M27.39M145.48M128.46M117.67M
Total Current Liabilities7.33M368.18M1.39B750.07M8.12B19.47B26.86B
Total Non-Current Liabilities6.72B4.82B4.12B3.73B5.36B5.05B2.86B
Total Liabilities6.73B5.19B5.51B4.48B13.48B24.52B29.73B
Total Equity+1.82B2.1B3.05B4.7B5.53B5.55B6.53B
Equity Growth %-15.29%45.36%53.84%17.68%0.48%17.46%
Equity / Assets (Capital Ratio)-------
Return on Equity (ROE)-13.85%-12.22%-8.69%-12.49%-6.27%-5.43%8.26%
Book Value per Share15.6918.0926.298.926.145.885.92
Tangible BV per Share-------
Common Stock00083K93K97K109K
Additional Paid-in Capital157.65M135.52M579.23M5.56B6.72B7.04B7.84B
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-2.91M000000
Preferred Stock1.89B2.44B3.17B320.37M320.37M320.37M0

Cash Flow

Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+1.02B-54.73M-479.34M-1.35B-7.26B-7.23B-1.12B
Operating CF Growth %--105.35%-775.77%-181.68%-437.38%0.4%84.51%
Net Income-252.4M-239.7M-224.05M-483.94M-320.41M-300.74M498.67M
Depreciation & Amortization10.91M15.96M69.83M101.57M151.36M201.42M203.5M
Deferred Taxes-1.09M52K-104.5M1.2M-3.5M-15.83M-286.92M
Other Non-Cash Items-5.74M37.5M76.85M137.25M106.26M249.97M-168.34M
Working Capital Changes1.23B70.04M-397.33M-1.35B-7.5B-7.63B-1.61B
Cash from Investing+-12.25M114.87M258.95M110.19M-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 Investments1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-------
Acquisitions00-32.39M058.54M-72.3M0
Other Investing0-9.05M-7.64M16.69M-184.26M-1.37B-3.52B
Cash from Financing+-954.79M93.08M853.75M684.99M8.44B10.89B5.03B
Dividends Paid0-23.92M-40.54M-40.43M-40.42M-40.42M-16.5M
Share Repurchases0-8.8M-40K-283.38M000
Stock Issued00369.84M0000
Net Stock Activity-------
Debt Issuance (Net)-1000K-1000K1000K-1000K1000K-1000K-1000K
Other Financing-23.25M-80.08M-408K1.92B7.14B11.21B6.87B
Net Change in Cash+56.25M153.2M633.22M-554.99M1.08B1.77B-906.22M
Exchange Rate Effect21K-9K-145K46K571K677K2K
Cash at Beginning480.75M537M690.21M1.32B768.44M1.85B3.62B
Cash at End537M690.21M1.32B768.44M1.85B3.62B2.71B
Interest Paid223.44M224.92M129.13M94.8M150.87M720.16M1.12B
Income Taxes Paid138K8K529K1.76M2.57M14.33M26.91M
Free Cash Flow+1.01B-92.32M-503.88M-1.4B-7.36B-7.35B-1.28B
FCF Growth %--109.15%-445.78%-178.33%-424.76%0.15%82.53%

Banking Ratios

Metric2018201920202021202220232024
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 Margin3.03%4.52%2.08%2.75%3.07%4.2%4.73%
Efficiency Ratio87.13%94.62%119.03%134.09%104.26%81.26%63.38%
Equity / Assets21.31%28.82%35.66%51.19%29.09%18.47%18%
Book Value / Share15.6918.0926.298.926.145.885.92
NII Growth-27.32%-46.05%41.77%131.56%116.02%36.04%

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