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SoFi Technologies, Inc. (SOFI)

18.22 -0.29 (-1.57%)
At close: September 4 at 4:00:00 PM EDT
18.18 -0.04 (-0.22%)
After hours: September 4 at 7:59:51 PM EDT
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What's happening with SOFI?

46m ago
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SoFi Technologies is facing challenges as its stock has dropped 1.57%recently, while analysts project 54.6%EPS growth year-over-year. The company has announced a partnership with Kraken to enhance its stablecoin offering, but concerns over valuation persist with a P/E ratio of 37.6, significantly higher than industry averages.

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  • Previous Close 18.51
  • Open 18.10
  • Bid 17.32 x 200
  • Ask 19.51 x 200
  • Day's Range 17.96 - 18.34
  • 52 Week Range 14.88 - 32.73
  • Volume 28,581,849
  • Avg. Volume 70,764,525
  • Market Cap (intraday) 23.532B
  • Beta (5Y Monthly) 2.21
  • PE Ratio (TTM) 37.96
  • EPS (TTM) 0.48
  • Earnings Date Oct 27, 2026
  • Forward Dividend & Yield --
  • Ex-Dividend Date --
  • 1y Target Est 20.26

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. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

www.sofi.com

6,100

Full Time Employees

December 31

Fiscal Year Ends

Credit Services

Industry

Recent News

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Performance Overview

Trailing total returns as of 9/4/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

SOFI
30.40%
S&P 500 (^GSPC)
12.75%

1-Year Return

SOFI
28.21%
S&P 500 (^GSPC)
18.71%

3-Year Return

SOFI
107.28%
S&P 500 (^GSPC)
70.93%

5-Year Return

SOFI
20.18%
S&P 500 (^GSPC)
70.18%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 1.22B
Earnings 156.59M
Profit Margin 12.85%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
200M
400M
600M
800M
1B
1B
13.0%
14.0%
15.0%
16.0%

Analyst Insights

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Analyst Price Targets

12.00 Low
20.26 Average
18.22 Current
30.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 9/2/2026
Analyst Scotiabank
Rating Action Initiated
Rating Sector Outperform
Price Action Announces
Price Target 25

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (5yr expected)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    14.91%

  • Return on Assets (ttm)

    1.25%

  • Return on Equity (ttm)

    7.10%

  • Revenue (ttm)

    4.27B

  • Net Income Avi to Common (ttm)

    636.26M

  • Diluted EPS (ttm)

    0.48

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    3.37B

  • Total Debt/Equity (mrq)

    30.83%

  • Levered Free Cash Flow (ttm)

    --

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