SoFi's accelerating balance sheet expansion, with total assets up 48% year-over-year to $60.9B in Q2 2026, is driven by deposit-led funding and record member growth, yet the thin equity-to-assets ratio of 0.18 and a negative operating cash flow of -$3.9B in th...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth accelerated with NII up 52.2% YoY to $788.2M and fee income reaching 27.4% of total revenue, while the efficiency ratio improved to 63.7% from 66.4% a year earlier.
SoFi is positioning itself as a financial super app, consolidating various consumer banking needs—lending, everyday banking, investing, and a technology platform—into a single ecosystem. This approach aims to address the fragmented consumer banking landscape and enhance customer engagement.
In Q1 2026, SoFi reported record net revenue of $1.1 billion, reflecting a 41% year-over-year increase, along with a net income of $167 million. This strong financial performance underscores the company's growth trajectory and operational efficiency.
SoFi added over a million new members in Q4 2025, achieving record quarterly growth and bringing total membership to over 14 million. A significant portion of new products is being adopted by existing members, indicating strong customer loyalty and engagement.
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 29, 2026 | $0.12+9.1% vs $0.11 | $1.2B+8.1% vs $1.1B |
Q2 2026 Apr 29, 2026 | $0.12+0.8% vs $0.12 | $1.1B+3.8% vs $1.0B |
Q1 2026 Jan 30, 2026 | $0.13+12.7% vs $0.12 | $1.0B+3.6% vs $977M |
Q4 2025 Oct 28, 2025 | $0.11+32.0% vs $0.08 | $962M+8.2% vs $889M |
Consumers and merchants were supposed to be the silver bullet driving scalable digital asset adoption. The cryptocurrency industry is mature enough for that to have already happened by now, and it hasn't.
Upstart, Affirm, and SoFi are sliding in tandem on Wednesday while the broader financials sector sits nearly unchanged, and that gap between consumer lenders and everything else tells a story that goes beyond any single company's news.
Consumer lending stocks are sliding in Wednesday morning trading while the broader financials group is close to unchanged.
SoFi is moving more than $25 billion in annualized card volume to SoFiUSD via Mastercard as fee-based revenues become a larger part of its mix.
Benchmark SOFI against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for SoFi Technologies, Inc. (SOFI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.16 | $22.01B | 44.00 | 38.32% | 10.09% | 5.66% | — | |
| $19.21 | $2.22B | 16.70 | 26.92% | 15.85% | 12.92% | — | |
| $25.97 | $2.49B | 57.71 | 62.84% | 5.22% | 7.85% | — | |
| $71.77 | $23.91B | 478.47 | 38.8% | 56.52% | 47.91% | — | |
| $353.57 | $4.75B | 26.13 | 59.67% | 34.59% | 84.36% | — | |
| $6.42 | $552.36M | 6.48 | 13.52% | 18.69% | 30.29% | — |
SoFi Technologies, Inc. (SOFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
SoFi Technologies, Inc. (SOFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 29, 2026·SEC
Jun 18, 2026·SEC
Apr 29, 2026·SEC
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SoFi Technologies, Inc. (SOFI) stock FAQ — growth, dividends, profitability & financials explained
SoFi Technologies, Inc. (SOFI) grew revenue by 38.3% over the past year. This is strong growth.
Yes, SoFi Technologies, Inc. (SOFI) is profitable, generating $636.3M in net income for fiscal year 2025 (10.1% net margin).
SoFi Technologies, Inc. (SOFI) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.
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.
