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$SOFI · NASDAQ

SoFi Technologies, Inc.

🇺🇸 Financial Services Credit Services
$17.91
▲ 2.81%
Market Cap$22.97B
P/E (TTM)39.80
52W Range$14.64 – $32.73
Volume67.8M
Beta2.15

Key Statistics

Revenue$3.9B42.5%
Net Income$576.9M101.2%
Gross Margin83.5%
Net Margin14.8%
P/E Ratio39.80
Forward P/E21.94
PEG Ratio0.84
P/S Ratio5.9x

Financial Performance

EBITDA
Free Cash Flow
Operating Margin18.3%
ROE6.6%
Total Debt$1.9B
Total Cash$3.6B
Dividend Yield
EPS (TTM)$0.45

The Signal Report

PREMIUM
Moat Rating
🛡️ Wide Moat
★★★★☆
Switching Costs ●●●●○
Intangible Assets ●●●●○
Network Effect ●●●●○
Cost Advantage ●●●●●
Efficient Scale ●●●●●
Confidence: High
Fair Value
$20.90
+16.7% upside
Based on 20 analyst targets
🤖 Pulse AI Analysis

Based on our analysis, SoFi Technologies, Inc. demonstrates hold fundamentals. with revenue reaching $3.9B and growing at 42.5% year-over-year. Our fair value estimate of $20.90 suggests +16.7% upside from current levels of $17.91. The company maintains a competitive position in Financial Services, ...

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P/E (TTM)
39.80
Forward P/E
21.94
PEG Ratio
0.84
Analyst Consensus
hold

Wall Street Consensus

hold
Mean Target$20.90+16.7%
High$31.00
Low$12.00
Strong Buy
3
Buy
5
Hold
12
Sell
2
Strong Sell
2

Total Returns

1 Year+17.8%
5 Year+16.0%
10 Year-2.8%
Year to Date-34.8%

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
ExchangeNASDAQ
Income Statement
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Earnings & Revenue Forecast

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

2026/Q3 (Est) Forecast
Revenue Est $1.20B
EPS Est $0.11
2026/Q2 (Est) Forecast
Revenue Est $1.11B
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 $771.8M
EPS Actual $0.06
EPS Forecast $0.03
EPS Surprise +100.0%
2025-01 ✓ Beat
Revenue Actual
EPS Actual $0.05
EPS Forecast $0.04
EPS Surprise +25.0%