Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesSoFi Technologies Inc.

SoFi Technologies Inc.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
17.38 USD 0.61 ( 3.64%)
Last update at 2026-11-04T21:04:00Z
VOLUME
54930766
Market Cap
22047.11M
P/E
36.32

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
16.97
Low
17.74
High
52 Week Price Range
14.88
Low
32.73
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
16.77
Dividend Yield
-
Revenue TTM
4268.44M
Revenue Per Share
3.44
Gross Profit TTM
3574.14M
Debt / Equity
0.18
ROE
7.10%
Net Debt
-2994.83M
ROCE
4.30%
Diluted EPS TTM
0.47

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 525.86M 233.34M -301.16M -318.72M -481.18M
Net income 481.32M 498.67M -300.74M -320.41M -483.94M
Selling general administrative 704.44M 600.09M 511.01M 501.62M 498.53M
Selling and marketing expenses 1095.41M 796.29M 719.40M 617.82M 426.88M
Gross profit 3583.03M 2612.34M 2051.07M 1573.54M 984.87M
Reconciled depreciation 234.15M 203.50M 201.42M 151.36M 101.57M
Ebit 525.86M 233.34M -300.33M -129.45M -481.18M
Ebitda 760.01M 436.84M -300.33M 21.91M -379.61M
Depreciation and amortization 234.15M 203.50M 201.42M 151.36M 101.57M
Operating income 525.86M 859.65M -300.33M -129.45M -481.18M
Other operating expenses 4243.74M 2499.96M 1741.83M 1524.70M -1466.05M
Interest expense 1156.24M 1091.34M 789.33M 189.28M 102.78M
Tax provision 44.54M -265.32M -0.42M 1.69M 2.76M
Interest income 3375.20M 2807.82M 2051.07M 773.37M 355.02M
Net interest income 2218.96M 1716.48M 1261.74M 584.10M 252.24M
Income tax expense 44.54M 265.32M 0.42M 1.69M 2.76M
Total revenue 4769.60M 2612.34M 2051.07M 1573.54M 984.87M
Total operating expenses 3057.18M 2499.96M 1741.83M 1524.70M -1466.05M
Cost of revenue 1186.56M -30.80M 1092.83M - 256.98M
Total other income expense net -1156.24M -626.30M -0.83M -189.28M -102.78M
Net income from continuing ops 481.32M 498.67M -300.74M -320.41M -483.94M
Net income applicable to common shares - - - -320.41M -483.94M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 50660.48M 36250.95M 30074.86M 19007.67M 9176.33M
Intangible assets 610.10M 639.92M 544.52M 582.21M 452.84M
Other current assets 905.07M 276.93M -4216.08M 14054.90M 6469.57M
Total liab 40170.98M 29725.82M 24519.87M 13479.20M 4478.62M
Total stockholder equity 10489.50M 6525.13M 5554.99M 5528.48M 4697.70M
Deferred long term liab - - - - 4.10M
Other current liab 37869.56M 26243.52M -165.63M -512.82M -497.81M
Common stock 0.13M 0.11M 0.10M 0.09M 0.08M
Capital stock 0.13M 0.11M 320.47M 320.47M 320.46M
Retained earnings -824.28M -1305.60M -1804.26M -1503.52M -1183.11M
Other liab - - - 202.74M 9.99M
Good will 1393.51M 1393.51M 1393.51M 1622.99M 898.53M
Other assets 40913.42M - 24115.16M 14856.61M 6318.94M
Cash 4929.45M 2538.29M 3615.58M 1421.91M 494.71M
Total current liabilities 38445.37M 26862.30M 25.50M 117.76M 497.81M
Current deferred revenue - - 5.72M - 199.65M
Net debt -2994.83M 665.92M 1747.06M 4684.78M 3685.75M
Short term debt 486.00M 486.00M 25.50M 486.00M 497.81M
Short long term debt 486.00M 486.00M 486.00M 486.00M 497.81M
Short long term debt total 1934.62M 3204.21M 5362.63M 6106.69M 4180.46M
Other stockholder equity 11302.67M 7838.99M 7039.99M 6719.83M 5561.83M
Property plant equipment - - - 149.65M 227.06M
Total current assets 9158.98M 5206.76M 3786.95M 1818.68M 689.62M
Long term investments 2680.20M 1925.19M 724.86M 396.77M 214.65M
Net tangible assets - - - 3463.33M 3514.60M
Short term investments 2430.98M 1804.04M 540.04M 195.44M 194.91M
Net receivables 893.48M 587.50M 60.47M 127.05M 34.21M
Long term debt 1329.68M 2607.30M 4754.81M 5502.93M 4041.66M
Accounts payable 89.81M 132.78M 159.91M 144.57M 298.16M
Accumulated other comprehensive income 10.98M -8.37M -1.21M -8.30M -1.47M
Common stock total equity - - - 0.09M 0.08M
Retained earnings total equity - - - -1503.52M -1183.11M
Non currrent assets other 224.25M 342.67M 8217.42M -546.62M -2167.76M
Non current assets total 41501.50M 31044.19M 2172.74M 2332.39M 2167.76M
Capital lease obligations 118.94M 110.91M 121.82M 117.76M 138.79M
Long term debt total - - - 5502.93M 4041.66M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -578.50M -4820.99M -1889.86M -106.33M -84.60M
Change to liabilities - - - 6.37M -9.02M
Total cashflows from investing activities -6719.11M -4820.99M -1889.86M -106.33M 110.19M
Net borrowings -1286.71M -1490.72M -279.82M 1333.80M -1031.09M
Total cash from financing activities 13109.33M 5034.58M 10885.60M 8438.67M 684.99M
Change to operating activities - - - -7501.93M -1336.29M
Net income 481.32M 498.67M -300.74M -320.41M -483.94M
Change in cash 2647.41M -906.22M 1769.28M 1077.87M -554.99M
Begin period cash flow 2709.36M 3615.58M 1846.30M 768.44M 1323.43M
End period cash flow 5356.77M 2709.36M 3615.58M 1846.30M 768.44M
Total cash from operating activities -3742.46M -1119.81M -7227.14M -7255.04M -1350.22M
Issuance of capital stock 3185.62M 0.00M 0.00M 0.00M 0.00M
Depreciation 234.15M 203.50M 201.42M 151.36M 101.57M
Other cashflows from investing activities -4205.98M -3515.14M -1372.20M -6.89M 247.06M
Dividends paid 0.00M 16.50M 40.42M 40.42M 40.43M
Change to account receivables -45.31M -24.47M -74.35M 0.00M 1.40M
Sale purchase of stock -64.99M -323.40M -15.30M -40.42M -323.81M
Other cashflows from financing activities 14461.03M 6541.80M 11205.85M 18305.19M 11438.49M
Change to netincome - - - -7147.55M -955.10M
Capital expenditures 242.44M 163.62M 121.19M 103.73M 52.26M
Cash flows other operating - - - 36.08M -22.02M
Cash and cash equivalents changes - - - 1077.29M -555.04M
Change in working capital -4438.43M -1612.86M -7633.17M -28.12M -47.13M
Stock based compensation 262.06M 246.15M 271.22M 305.99M 239.37M
Other non cash items -297.74M -168.34M 249.97M -7357.22M -1161.29M
Free cash flow -3984.90M -1283.42M -7348.33M -7358.78M -1402.48M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SOFI
SoFi Technologies Inc.		 0.61
3.64%		 17.38 36.32 22.08 5.17 2.06 6.09
V
Visa Inc. Class A		 16.15
3.84%		 436.57 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 25.50
3.94%		 672.68 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 7.09
2.18%		 332.59 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -2.40
1.15%		 206.31 11.39 8.75 2.64 1.11 2.76

Profile*

SoFi Technologies Inc.

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.

234 1st Street, San Francisco, CA, United States, 94105

855 456 7634

https://www.sofi.com

6100

Name Title Year Born
Mr. George Thompson Hutton Independent Non Exec. Chairman 1956
Mr. Anthony J. Noto CEO & Director 1969
Mr. Christopher Lapointe Chief Financial Officer 1985
Mr. Derek Jensen White CEO of Galileo Financial Technologies & Head of SoFi International 1973
Mr. Jeremy Rishel Chief Technology Officer NA
Mr. William F. Tanona Sr. VP of Corp. Devel. & Investor Relations 1973
Mr. Robert Steven Lavet Gen. Counsel & Sec. 1949
Ms. Lauren Stafford Webb Chief Marketing Officer 1986
Ms. Anna Avalos Chief People Officer NA
Mr. Aaron J. Webster Chief Risk Officer and Global Head of Operations & LatAm 1980

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

PRL
CAD 30.50
+15.05%
DSV
CAD 11.02
+14.55%
USA
CAD 4.29
+13.19%
NUAG
CAD 7.70
+12.90%
GMIN
CAD 43.79
+12.86%
DRUG
CAD 26.11
-29.58%
HUT
CAD 68.98
-22.41%
UCU
CAD 2.09
-14.34%
VET
CAD 14.87
-14.29%
PHX
CAD 10.96
-13.56%

Equity Sectors*

  • Basic Materials

    +5.46%

  • Communication Services

    +3.38%

  • Consumer Cyclical

    +3.11%

  • Consumer Defensive

    +1.35%

  • Energy

    -4.79%

  • Financial Services

    +2.66%

  • Healthcare

    -0.72%

  • Industrials

    -0.11%

  • Real Estate

    +1.84%

  • Technology

    +1.05%

  • Utilities

    +0.39%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…