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SoFi Technologies, Inc.

SOFI

$18.38 ▲ +0.29 (+1.58%) at close

8 Visible periods

35 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

SoFi Technologies, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $21.1B

Dividend Yield —

Revenue Growth 35.1% ↗

Op. Margin 14.6% ↗

ROIC None

FCF / Share None

Trailing P/E 43.8x

Price / Book 2.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$3.61B

↑ +35.1% —

Net Income Profit after all expenses

$481.32M

↓ -3.5% —

Operating Margin Operating profit as % of sales

14.6%

↑ +66.8% 66th

Long-Term Debt Long-term obligations

$5.49B

↑ +39.0% —

Health Breakdown

Profitability

Returns

Dividend History

Dividend / share · sourced from SEC filings

$0.00 Latest / share

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

$0.00

FY 2023

$0.00

FY 2024

$0.00

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	35.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+485%)	26.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+333%)	34.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+482%)	59.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+896%)	74.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1136%)	27.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+363%)	—	—
EPS Growth YoY (%)	-8.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	10.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	60.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	76.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-7.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-3.5% Weak ↓ Weak Declining Year-over-year change in net income	N/M	6.1% Fair ↑ Fair Improving Year-over-year change in net income	33.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-116.0% Weak Weak Year-over-year change in net income	6.5% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	31.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	39.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	55.4% Excellent Excellent Compound annual revenue growth over 3 years	52.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	44.9% Excellent Excellent Compound annual revenue growth over 5 years	43.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	14.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	8.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	-14.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	-20.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-181%)	-48.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-295%)	-58.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-332%)	-54.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-317%)	—
Effective Tax Rate (%) (%)	8.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-113.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	13.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	-14.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	-20.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-193%)	-49.1% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-323%)	-39.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-280%)	-54.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-346%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	-5.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-148%)	-6.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-151%)	-11.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-192%)	186.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1454%)	70.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+489%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	1.05x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-12%)	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	-39.95x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-3429%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$3.14	$2.55	$2.25	$1.75	$1.87	$7.66	$6.75	—
Basic EPS, GAAP (USD)	$0.42	$0.46	$-0.36	$-0.40	$-1.00	$-4.30	$-4.02	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.00	$0.00	$0.00	—	—	—	—	—
Book Value per Share (USD)	$8.26	$5.96	$5.36	$5.58	$5.29	$-1.04	$-5.17	—
Tangible Book Value per Share (USD)	$6.98	$4.41	$3.56	$3.37	$3.86	$-11.94	$-5.41	—
Basic Weighted Avg Shares (shares)	1.15B	1.05B	945.02M	900.89M	526.73M	73.85M	65.62M	—
Dividend Payout Ratio (%)	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	$5.49B	$3.95B	$4.80B	—	—
Total Equity (USD)	$10.49B	$6.53B	$5.23B	$5.21B	$4.38B	$-120.11M	$-339.06M	$-68.42M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$3.61B	$2.67B	$2.12B	$1.57B	$984.87M	$565.53M	$442.66M	—
Depreciation Expense (USD)	$234.15M	$203.50M	$201.42M	$151.36M	$101.57M	$69.83M	$15.96M	—
Net Income, GAAP (USD)	$481.32M	$498.67M	$-300.74M	$-320.41M	$-483.94M	$-224.05M	$-239.70M	—
Operating Cash Flow (USD)	$-3.74B	$-1.12B	$-7.23B	$-7.26B	$-1.35B	$-479.34M	$-54.73M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	4.4%	4.7%	4.2%	3.1%	2.7%	2.1%	—	—
Efficiency Ratio (%) (%)	84.6%	90.1%	111.6%	120.3%	148.9%	158.1%	154.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 27 quarters

SoFi Technologies, Inc.

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

Dividend History

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