SOFI logo

SOFI TECHNOLOGIES INC

SOFINASDAQ
πŸ† #485 by market capEarnings Jan 28 Β· PostπŸ’³Fintech
$17.14β–² $0.74 (+4.51%)
πŸŒ™ After hours$16.87β–Ό 1.58%Regular close Β· extended-hours price shown
πŸ””
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24hβ–² 4.5%
7dβ–² 16.0%
14dβ–² 13.7%
30dβ–² 7.7%
ytdβ–Ό 34.6%
1yβ–Ό 44.5%
🏦Market Cap
$22.14B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
28.8%
High Growth
πŸ“ŠGross Margin
76.7%
High
πŸ’΅FCF Margin
-81.5%
Thin
βš–οΈP/S Ratio
3.6x
Fair
Otter Score
60
Fair

Trading Snapshot

Day Range
$16.55 – $17.25
52-Week Range
$13.86 – $32.73
Volume (shares)
81,771,257
Avg Volume (shares)
β€”
Shares Outstanding
1.29B
Next Earnings
2027-01-28

Fundamentals Snapshot

Annual Revenue
$4.77B
Last Q Revenue
$1.57B
P/E Ratio
29.6
P/S Ratio
3.6x
EPS (TTM)
$0.57
Dividend Yield
0.00%
Dilution (1yr)
+16.9%
SOFI logo

SOFI TECHNOLOGIES INC

SOFI
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.8Bβ–² +28.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.1%β–² +7.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$526Mβ–² +125.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$4.0Bβ–² +210.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
1.35Bβ–² +16.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$3.0Bβ–² +$3.7B YoY
StockOtter Β· stockotter.space

About SOFI TECHNOLOGIES INC

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Ratings

β“˜
Consensus
Buy
32 analysts
Strong Buy6
Buy9
Hold13
Sell3
Strong Sell1
Ratings as of Oct 2026

Latest News & Updates

GuruFocusΒ·9h ago

Brokerage Trade Counts Climbed in the Third Quarter as Regulators Weigh Round-the-Clock Markets

Brokerage Trade Counts Climbed in the Third Quarter as Regulators Weigh Round-the-Clock MarketsPR NewswireNASHVILLE, Tenn., Oct. 28, 2026NASHVILLE, Tenn., Oct.

24/7 Wall StreetΒ·10h ago

SoFi Is Still Down 35% This Year: Did Today Just Mark the Bottom for SOFI Stock?

Even after a blockbuster earnings week, SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) remains deep in the red for 2026, leaving investors to wonder whether the bottom is finally in. SoFi stock trades at $16.

Zacks Investment ResearchΒ·10h ago

SOFI Stock Rallies 13% After Earnings: Should You Buy or Hold?

SoFi shares gain 13.4% after strong Q3 earnings and raised guidance, but valuation concerns and lending risks raise questions about buying after the rally.

Zacks Investment ResearchΒ·11h ago

RITM or SOFI: Which Is the Better Value Stock Right Now?

Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Rithm (RITM) and SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for th

Fool - Investing NewsΒ·11h ago

2 Fintech Stocks to Buy While Their Customer Numbers Keep Climbing

SoFi and Robinhood both look undervalued relative to their growth potential.

Zacks Investment ResearchΒ·12h ago

SOFI Q3 Earnings Call Highlights Raised Outlook & Growth Plans

SoFi raises its 2026 outlook and projects 27% revenue growth for 2027, backed by rising member engagement, stronger lending economics and capital flexibility.