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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| SOFI | +158.73% | N/A | N/A | +177% |
| S&P | +17.35% | +108.64% | +15.84% | +88% |
SoFi Technologies, Inc. is a financial service platform, which engages in the provision of student loan refinancing options to the private student loan market. It offers home loans, personal loans, and credit cards. It operates through the following segments: Lending, Technology Platform, and Financial Services. The Lending segment includes personal loan, student loan, home loan products, and related servicing activities. The Technology Platform segment focuses on technology products and solutions revenue. The Financial Services segment includes the SoFi Money product, SoFi Invest product, SoFi Credit Card product, SoFi Relay personal finance management product, and other financial services such as lead generation and content for other financial services institutions. The company was founded in 2011 and is headquartered in San Francisco, CA.
This financial stock has soared some 169% over the past year.
Despite fantastic quarterly results, SoFi's stock price did not increase significantly.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.27B | 28.2% |
| Gross Profit | $880.24M | 55.6% |
| Gross Margin | 69.42% | 12.2% |
| Market Cap | $31.32B | 273.8% |
| Market Cap / Employee | $6.26M | 0.0% |
| Employees | 5K | 13.6% |
| Net Income | $139.39M | 129.5% |
| EBITDA | $514.24M | 222.0% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $3.75B | 26.2% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $2.81B | -14.5% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.61% | 0.9% |
| Return On Invested Capital | -1.79% | 1.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $40.31M | 196.5% |
| Operating Free Cash Flow | $106.30M | 4760.3% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 40.30 | 27.64 | 36.73 | 47.75 | -28.13% |
| Price to Book | 2.73 | 1.95 | 3.01 | 4.29 | 208.04% |
| Price to Sales | 4.71 | 3.54 | 5.17 | 7.68 | 221.00% |
| Price to Tangible Book Value | 3.78 | 2.64 | 4.02 | 5.65 | 192.78% |
| Price to Free Cash Flow TTM | 87.18 | 16.27 | 9.54 | 14.10 | -70.52% |
| Enterprise Value to EBITDA | 117.40 | 81.28 | 108.69 | 64.50 | 15.96% |
| Free Cash Flow Yield | 1.1% | 6.1% | 10.5% | 7.1% | 239.18% |
| Return on Equity | 8.3% | 7.5% | 8.8% | 8.6% | 130.68% |
| Total Debt | $3.30B | $3.14B | $4.03B | $2.81B | -14.46% |
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