SOFI TECHNOLOGIES INC

SOFINASDAQ

🏆 #422 by market capEarnings Oct 27Fintech

$17.98▼ $0.14 (−0.77%)

Live

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24h▼ 0.8%

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🏦Market Cap

$23.20B

Mid Cap

📈Revenue Growth (YoY)

+205.5%

High Growth

📊Gross Margin

—

💵FCF Margin

10.1%

Healthy

⚖️P/S Ratio

3.3x

Fair

Otter Score

Weak

No chart data available for SOFI.

Trading Snapshot

Day Range: $17.86 – $18.21
52-Week Range: $14.88 – $32.73
Volume: $3.64B
Avg Volume: $4.12B
Shares Outstanding: 1.29B
Next Earnings: Sep 29, 2026

Fundamentals Snapshot

Annual Revenue: $4.77B
Last Q Revenue: $1.57B
P/E Ratio: 36.8
P/S Ratio: 3.3x
EPS (TTM): $0.47
Dividend Yield: 0.00%

Why Investors Own SOFI

✓High-growth profile — revenue up +59.4% YoY with expanding Fintech exposure.
✓Healthy economics — 50% gross margin and 13% free-cash-flow margin.
✓Expanding take-rate and new products grow revenue per user.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$4.77B▲ +55.2% YoY

Gross Margin (TTM)

50.4%▲ +4.5% YoY

Operating Income (TTM)

$715M▲ +55.2% YoY

Free Cash Flow (TTM)

$606M▲ +55.2% YoY

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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