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SoFi Technologies

(NASDAQ) SOFI

Current Price$17.30
Market Cap$22.22BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)+65%
5 Year+13%
1 Year-19%
1 Month-2%
SoFi Technologies last closing stock price
MetricPriceDate
Last closeUSD 17.322026-07-16
SoFi Technologies stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-6.98%USD 18.622026-07-09
1 month-2.2%USD 17.712026-06-16
3 month-10.86%USD 19.432026-04-17
Year to date-33.84%USD 26.182025-12-31
1 year-19.03%USD 21.392025-07-16
3 year+82.7%USD 9.482023-07-17
5 year+13.2%USD 15.302021-07-16
Since inception+65.27%USD 10.482020-11-30

SoFi Technologies Financials at a Glance

Market Cap

$22.22BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$5.14B

Net Income (TTM)

$576.94M

EPS (TTM)

$0.44

P/E Ratio

39.28

Dividend

$0.00

Beta (Volatility)

2.14 (High)

Price

$17.30

Volume

2,456,389

Open

$16.84

Previous Close

$17.30

Daily Range

$16.48 - $17.57

52-Week Range

$14.92 - $32.73

Estimated Earnings Date

Jul 29, 2026

SOFI News

Bank of America Tower

Best Bank Stocks for 2026 and How to Invest

Matt Frankel, CFP®Jul 17, 2026
SoFi office shot with SoFi branding poster in background

SoFi Technologies: The Customer Growth Story Isn't Over (NASDAQ: SOFI)

Neil PatelJul 16, 2026
SOFI

SoFi Just Proved the Bulls Right Again. Here's the Full Case

Neil RozenbaumJul 15, 2026
Workers looking at phones

Should You Buy SoFi Stock Before July 29?

Jennifer SaibilJul 15, 2026
bank-Sofi-online-banking

Here's the 1 Thing to Look for When SoFi Reports Earnings on July 29

Jennifer SaibilJul 15, 2026
Person with a mobile phone cheering

Are AI Agents SoFi Stock's Next Big Catalyst?

Jennifer SaibilJul 9, 2026
Students looking at their phones together

Can a $25,000 Investment in SoFi Stock Make You a Millionaire?

Jennifer SaibilJul 8, 2026
11. Sofi

Down 43%, Is SoFi Stock a Generational Buying Opportunity Right Now?

Parkev Tatevosian, CFAJul 7, 2026
Page 1

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About SoFi Technologies

SoFi helps people manage all their money through a single smartphone app. It lets users borrow for school or homes, save in bank accounts, and trade stocks. These tools help individuals reach financial goals like buying a house or starting a family.

What SoFi Offers

  • Lending Segment: Provides personal, student, and home loans while managing the entire process from application to monthly payments.
  • Financial Services: Features checking and savings accounts through SoFi Bank, alongside credit cards and investment tools like SoFi Invest.
  • Technology Platform: Delivers digital banking and payment processing infrastructure to other businesses through the Galileo and Technisys brands.
  • SoFi Crypto: Enables members to buy, sell, and hold various digital assets directly through their SoFi Bank accounts.

Recent Moves and Growing Pains

  • Launched SoFi Crypto in late 2025 to give members a new way to trade digital assets within the existing bank framework.
  • Acquired Wyndham Capital Mortgage to expand its digital home loan capabilities and speed up the mortgage process.
  • Purchased Technisys to provide a cloud-based core banking platform that supports multiple financial products for global clients.
  • Integrated Galileo to offer an authorization and event platform that powers financial services for other enterprise companies.

How the Business Competes

SoFi uses a strategy called the Financial Services Productivity Loop. This model aims to lower costs by encouraging current members to use multiple products across one digital platform.

The Recent Financial Results

  • Net income was $173.5 million in Q4 2025, down 47.8% from Q4 2024.
  • Operating income rose to $495.5 million in Q4 2025, up 726.8% from Q4 2024.
  • Revenue hit $1.3 billion in Q4 2025, up 32.5% from the previous year.
  • Free cash flow was negative $1.1 billion in Q4 2025, down 332.8% from Q4 2024.
  • Market cap grew to $32 billion in Q4 2025, up 91.1% from Q4 2024.

Bottom Line

SoFi has transitioned from a student loan specialist into a fully integrated digital bank and technology provider. The company continues to diversify its income by expanding its technology services and banking products.

AI Generated • Apr 19, 2026

Industry

Consumer Finance

Sector

Financials

Employees

6,100

CEO

Anthony J. Noto, MBA

Website

www.sofi.com

Headquarters

San Francisco, CA 94105, US

SOFI Financials

Key Financial Metrics (TTM)

Gross Margin

76.02%

Operating Margin

12.56%

Net Income Margin

11.22%

Return on Equity

6.25%

Return on Capital

4.23%

Return on Assets

1.07%

Earnings Yield

2.55%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$22.22BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.28B

Volume

2.46M

Avg. Volume

76.38M

Financials (TTM)

Gross Profit

$3.91B

Operating Income

$645.63M

EBITDA

$892.07M

Operating Cash Flow

-$2.27B

Capital Expenditure

-$265.65M

Free Cash Flow

-$2.53B

Cash & ST Invst.

$6.45B

Total Debt

$1.91B

SoFi Technologies Performance Analysis

SoFi Technologies annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,762,810,00062.1%
20232023-12-31USD 2,912,116,00065.2%
20242024-12-31USD 3,766,195,00029.3%
20252025-12-31USD 4,769,597,00026.6%
SoFi Technologies sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-308.9%
Q32025-09-3012.3%
Q42025-12-315.3%
Q12026-03-315.5%
SoFi Technologies annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -0.40-59.8%
20232023-12-31USD -0.36-9.9%
20242024-12-31USD 0.39N/A
20252025-12-31USD 0.39-2.3%
SoFi Technologies sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3037.5%
Q32025-09-3033.3%
Q42025-12-3118.2%
Q12026-03-31-7.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$1.41B

+35.8%

Gross Profit

$1.09B

+42.5%

Gross Margin

77.50%

N/A

Market Cap

$22.22BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$3.64M

N/A

Employees

6,100

N/A

Net Income

$166.73M

+134.4%

EBITDA

$267.13M

+97.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$6.45B

+52.1%

Total Debt

$1.91B

-39.0%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$1.43B

-46.2%

Short Term Debt

$486.00M

+0.0%

Return on Assets

1.07%

N/A

Return on Invested Capital

4.98%

N/A

Free Cash Flow

$50.32M

+253.7%

Operating Cash Flow

$119.10M

+453.9%

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Questions About SOFI

What is the current price of SoFi Technologies?

SoFi Technologies is trading at $17.30 per share.

What is the 52-week range for SoFi Technologies?

Over the past 52 weeks, SoFi Technologies has traded between $14.92 and $32.73.

How much debt does SoFi Technologies have?

As of the most recent reporting period, SoFi Technologies reported total debt of $1.91B.

How much cash does SoFi Technologies have on hand?

SoFi Technologies reported $3.76B in cash and cash equivalents in its most recent financial results.

What is SoFi Technologies’s dividend yield?

SoFi Technologies does not currently have a dividend yield.

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