SOFI TECHNOLOGIES INC

SOFINASDAQ

🏆 #562 by market capEarnings Oct 26 · Pre💳Fintech

$98.62▲ $1.08 (+1.10%)

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🏦Market Cap

$20.43B

Mid Cap

📈Revenue Growth (YoY)

+28.8%

High Growth

📊Gross Margin

76.5%

High

💵FCF Margin

-89.3%

Thin

⚖️P/S Ratio

3.7x

Fair

Otter Score

Fair

No chart data available for SOFI.

Trading Snapshot

Day Range: $97.95 – $99.86
52-Week Range: $10.41 – $32.73
Volume: $3.64B
Avg Volume: $4.12B
Shares Outstanding: 1.28B
Next Earnings: Nov 16, 2026

Fundamentals Snapshot

Annual Revenue: $4.77B
Last Q Revenue: $1.57B
P/E Ratio: 31.2
P/S Ratio: 3.7x
EPS (TTM): $0.50
Dividend Yield: 0.00%
Dilution (1yr): +16.9%

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.

SOFI TECHNOLOGIES INC

SOFI

Financial Trends

Revenue

$4.8B▲ +28.8% YoY

Gross Margin

75.1%▲ +7.8% YoY

Operating Income

$526M▲ +125.4% YoY

Free Cash Flow

−$4.0B▲ +210.5% YoY

Shares Outstanding

1.35B▲ +16.9% YoY

Net Cash

$3.0B▲ +$3.7B YoY

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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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