SoFi Technologies, Inc. (SOFI)
Listed on NASDAQ • Financial Services / Financial - Credit Services
Overview
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
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Key Information
Symbol:
SOFI
CEO:
Anthony J. Noto
Exchange:
NASDAQ
CIK:
0001818874
Website:
https://www.sofi.com
SEC Filings:
View SEC →
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Price
30.07
Change
0.7
Change %
2.38%
Open
29.52
Previous Close
29.37
High
30.37
Low
29.01
Volume
56,055,547
Market Cap
36,221,407,232
EV/EBITDA
33.1
Capital Structure (Updated: Nov 05 04:00 PM EST)
Shares Outstanding
1,204,569,655
FloatShares
1,184,284,702
Float Ratio
98.32%
Shares Short
100,293,155
Short Percent Of Float
The percent of float shares currently sold short. Reflects market sentiment and risk of a short squeeze.
8.43%
Short Ratio
Days needed to cover all short positions. Indicates short-selling pressure.
1.39 trading days
Held Percent Insiders
3.06%
Held Percent Institutions
53.85%
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date (Estimated) | 2026-01-26 |
| Earnings Call (Estimated) | 2025-10-28 |
| Avg EPS Estimate | 0.1164 |
| Low EPS Estimate | 0.11 |
| High EPS Estimate | 0.12 |
| Revenue | |
| Avg Revenue Forecast | 990,933,080 |
| Low Revenue Forecast | 959,000,000 |
| High Revenue Forecast | 1,097,200,000 |
SOFI Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $3,246,351,104 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 0.491 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 1.147 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $2,807,475,968 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
SOFI Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $0 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $0 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $0 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 82.51% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 15.60% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 19.46% | Net profit margin, which reflects overall profitability. |
SOFI Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 31.98% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $2,807,475,968 | Used together with cash and EBITDA to assess debt-paying ability. |
SOFI Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 37.80% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 105.90% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for SOFI (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $30.07 | Latest stock trading price |
| Price Target (High) | $38 | Analyst highest expected price |
| Price Target (Low) | $12 | Analyst lowest expected price |
| Price Target (Average) | $26.03 | Average target price across analysts |
| Price Target (Median) | $27 | Median of target prices |
| Average Rating Score | 2.82 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | hold | Consensus rating |
| Analyst Coverage Count | 18 | Number of analysts providing estimates |
| Cash Holdings | $3,246,351,104 | Total cash held by the company |
| Cash per Share | $2.69 | Cash value per outstanding share |
| Total Debt | $2,807,475,968 | Company's total debt |
| Quick Ratio | 0.491 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 1.147 | Overall short-term liquidity |
| Debt/Equity Ratio | 31.98% | Leverage ratio: Debt / Equity |
| EBITDA | $0 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $3,290,639,104 | Total company revenue |
| Revenue per Share | $2.948 | Total revenue divided by shares outstanding |
| Gross Profit | 82.51% | Revenue minus cost of goods sold |
| Return on Assets | 1.61% | Net income / Total assets |
| Return on Equity | 8.59% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 105.90% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 37.80% | Year-over-year revenue growth |
| Gross Margin | 82.51% | Gross profit / Total revenue |
| EBITDA Margin | 0.00% | EBITDA / Revenue |
| Operating Margin | 15.60% | Operating income / Revenue |
| Profit Margin | 19.46% | Net income / Revenue |
| Free Cash Flow | $0 | Cash left after capital expenditures |
| Operating Cash Flow | $0 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |