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$SOFI · NASDAQ

SoFi Technologies, Inc.

🇺🇸 Financial Services Credit Services
$15.80
▲ 1.22%
Market Cap$20.4B
P/E (TTM)32.24
52W Range$14.88 – $32.73
Volume55.5M
Beta2.33

Key Statistics

Revenue$4.3B42.6%
Net Income$636.3M40.4%
Gross Margin83.7%
Net Margin14.9%
P/E Ratio32.24
Forward P/E19.16
PEG Ratio0.56
P/S Ratio4.8x

Financial Performance

EBITDA—
Free Cash Flow—
Operating Margin17.0%
ROE7.1%
Total Debt$3.4B
Total Cash$3.4B
Dividend Yield0.000%
EPS (TTM)$0.49

The Signal Report

PREMIUM
Edge Rating
🛡️ Strong Edge
★★★★☆
Switching Costs ●●●●○
Intangible Assets ●●●●○
Network Effect ●●●●○
Cost Advantage ●●●●●
Efficient Scale ●●●●●
Confidence: High
Fair Value
$20.33
+28.7% upside
Based on 22 analyst targets
🤖 Pulse AI Analysis

Based on our analysis, SoFi Technologies, Inc. demonstrates hold fundamentals. with revenue reaching $4.3B and growing at 42.6% year-over-year. Our fair value estimate of $20.35 suggests +29.0% upside from current levels of $15.77. The company maintains a competitive position in Financial Services, ...

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P/E (TTM)
32.24
Forward P/E
19.16
PEG Ratio
0.56
Analyst Consensus
hold

Wall Street Consensus

hold
Mean Target$20.33+28.7%
High$30.00
Low$12.00
Strong Buy
4
Buy
5
Hold
12
Sell
2
Strong Sell
2

Total Returns

1 Year-39.7%
5 Year-8.1%
10 Year-14.3%
Year to Date-42.5%

Company Profile

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance

SectorFinancial Services
IndustryCredit Services
Employees6,100
HeadquartersSan Francisco, CA
ExchangeNasdaqGS
Income Statement
Total Revenues
Net Income
Period Ending:
Total Revenues
Gross Profit
Balance Sheet
Total Assets
Total Liabilities
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Total Assets
Total Liabilities
Earnings & Revenue Forecast

SoFi Technologies, Inc. reported earnings results for the periods shown below. 7 of the last 8 quarters have reported results.

2026/Q4 (Est) Forecast
Revenue Est $1.32B
EPS Est $0.17
2026/Q3 (Est) Forecast
Revenue Est $1.26B
2026-07 ✓ Beat
Revenue Actual $1.22B
EPS Actual $0.12
EPS Forecast $0.11
EPS Surprise +9.1%
2026-04
Revenue Actual $1.10B
EPS Actual $0.12
EPS Forecast $0.12
EPS Surprise +0.0%
2026-01 ✓ Beat
Revenue Actual $1.03B
EPS Actual $0.12
EPS Forecast $0.11
EPS Surprise +9.1%
2025-10 ✓ Beat
Revenue Actual $961.6M
EPS Actual $0.10
EPS Forecast $0.08
EPS Surprise +25.0%
2025-07 ✓ Beat
Revenue Actual $854.9M
EPS Actual $0.09
EPS Forecast $0.06
EPS Surprise +50.0%
2025-04 ✓ Beat
Revenue Actual $854.9M
EPS Actual $0.06
EPS Forecast $0.03
EPS Surprise +100.0%

This Signal Report is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. Moat ratings reflect The Signal's independent analysis framework. The Signal may hold positions in securities covered. Past performance is not indicative of future results. Always conduct your own research before making investment decisions.