profit from every $100 of sales.
$0$100
SoFi Technologies
$15.42-1.34% today
-45.7% in 1 year
1-year low $14.221-year high $29.72
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $41.58 for every $1 of profit it makes in a year.
CheapExpensive
It holds more cash than debt.
No debt5 years
Money in, money out
What SoFi Technologies sold, what it kept, and what it did with the cash.
Sales went from $1.57 billion in 2022 to $3.61 billion in 2025, with $481 million of profit last year.
SalesProfit
SoFi Technologies vs. similar companies
SoFi Technologies grows the fastest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| SoFi Technologies | 41.6× · Expensive | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 Ally Financial | 13.5× · Cheap |
AI analysis
An AI analyst reads SoFi Technologies's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,574 | 2,108 | 2,612 | 3,613 | |
| 64 | 41 | 41 | 10 | |
| – | – | – | – | |
| 22 | 690 | – | – | |
| -320 | -301 | 499 | 481 | |
| -0.40 | -0.36 | 0.39 | 0.39 | |
| 4.1% | 2.0% | 1.6% | 0.3% | |
| – | – | – | – | |
| -20.4% | -14.3% | 19.1% | 13.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 19,008 | 30,075 | 36,251 | 50,660 |
| Cash | 1,422 | 3,085 | 2,538 | 4,929 |
| Total debt | 5,634 | 5,363 | 3,204 | 1,935 |
| Total liabilities | 13,479 | 24,520 | 29,726 | 40,171 |
| 5,528 | 5,555 | 6,525 | 10,489 | |
| 901 | 945 | 1,101 | 1,252 | |
| -0.9% | 3.5% | – | – | |
| -5.8% | -5.4% | 7.6% | 4.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -7,256 | -7,227 | -1,120 | -3,742 | |
| 104 | 121 | 164 | 251 | |
| -7,360 | -7,348 | -1,283 | -3,994 | |
| Dividends paid | 40 | 40 | 17 | 0 |
| 0 | 0 | 323 | 0 | |
| 306 | 271 | 246 | 262 |
Valuation
- 41.6×
- 25.6×
- –
- 1.8×
- 5.5×
- –
- –
- -20.0%
- 2.4%
- 0.0%
Profitability
- 0.3%
- 12.6%
- 13.3%
- 17.4%
- 1.1%
- -0.4%
- 6.2%
- 1.1%
- 1.2%
- 3.7%
Growth
- +31.9%
- –
- −210.5%
- –
- +21.6%
Financial health
- -2.1×
- 0.18
- 3.6%
- 0.5×
- –
- –
- 0.10
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 688
Bottom 33%of 540
Bottom 8%of 900
Top 14%of 908
Bottom 8%of 941
What analysts expect
- Average price target
- $20.89
- Range
- $16.00 – $28.00
- 8 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.12 | 0.12 | +0.0% |
| Jan 30, 2026 | 0.13 | 0.12 | +12.7% |
| Oct 28, 2025 | 0.11 | 0.08 | +32.0% |
| Jul 29, 2025 | 0.08 | 0.06 | +30.3% |
| Apr 29, 2025 | 0.06 | 0.03 | +84.0% |
| Jan 27, 2025 | 0.05 | 0.04 | +25.0% |
| Oct 29, 2024 | 0.05 | 0.04 | +16.3% |
| Jul 30, 2024 | 0.01 | 0.00 | +115.5% |
News
SoFi Has 17.1 Million Members. Prediction: It Tops 20 Million in 2027.Yahoo Finance · Nov 8, 2026SoFi Just Made a Big Move Into Blockchain Payments. Here's What Investors Need to Know.Yahoo Finance · Nov 1, 2026Why SoFi Stock Popped TodayYahoo Finance · Oct 28, 2026Why SoFi’s stock is soaring after earningsMarketWatch · Oct 27, 2026Dow, S&P 500, Nasdaq Futures Climb As Tech Stocks Get A Boost From Anthropic IPO Listing: SOFI, BB, PYPL, CLS In FocusYahoo Finance · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
29No pass
Benjamin Graham
27No pass
Philip Fisher
37No pass
Peter Lynch
91Pass
Joel Greenblatt
5No pass
Charlie Munger
23No pass
Terry Smith
28No pass
Questions about SoFi Technologies
Is SoFi Technologies a good stock to buy?
A solid business, but the price is high. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SoFi Technologies AI analysis
What does SoFi Technologies do?
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. It is in Financial - Credit Services, based in San Francisco, CA, United States, with 6,100 employees.
Does SoFi Technologies pay a dividend?
No. SoFi Technologies does not pay a dividend at the moment.
Is SoFi Technologies stock halal?
No. SoFi Technologies does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has SoFi Technologies stock done over the past year?
Down 45.7% over the past twelve months, to $15.42. It traded between $14.22 and $29.72 and is 48.1% below its high.
Who are SoFi Technologies's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and Ally Financial. The peers table on this page compares their profit, growth and price with SoFi Technologies's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.