SoFi Technologies, Inc. (SOFI)

US — Financial Services Sector
Peers: UPST  AFRM  LCID  PLTR  RBLX 

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Key Metrics & Ratings

  • symbol SOFI
  • Rev/Share 3.7735
  • Book/Share 6.2226
  • PB 4.1912
  • Debt/Equity 0.5073
  • CurrentRatio 0.1488
  • ROIC 0.0493

 

  • MktCap 30914971200.0
  • FreeCF/Share -2.7462
  • PFCF -10.2107
  • PE 51.2002
  • Debt/Assets 0.0847
  • DivYield 0
  • ROE 0.0858

 

  • Rating C
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 1
  • D/E Score 2

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Reiterated SOFI Needham -- Buy $25 $29 Sept. 10, 2025
Initiation SOFI Rothschild & Co Redburn -- Neutral -- $20.5 Aug. 1, 2025
Downgrade SOFI Citizens JMP Mkt Outperform Market Perform -- -- July 14, 2025
Resumed SOFI Goldman -- Neutral -- $19 July 14, 2025
Initiation SOFI TD Cowen -- Hold -- $21 July 11, 2025
Initiation SOFI Stephens -- Overweight -- $20 June 12, 2025
Initiation SOFI Truist -- Hold -- $14 June 2, 2025
Initiation SOFI Citizens JMP -- Mkt Outperform -- $17 April 25, 2025
Initiation SOFI William Blair -- Outperform -- -- Jan. 15, 2025
Downgrade SOFI Keefe Bruyette Market Perform Underperform $7 $8 Jan. 2, 2025

News

SOFI Stock Skyrockets 80% in 3 Months: Too Late or Still a Bet?
SOFI
Published: September 09, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi stock has soared 80% in three months as membership, fee-based revenues and earnings momentum fuel bullish investor sentiment.

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image for news SOFI Stock Skyrockets 80% in 3 Months: Too Late or Still a Bet?
Mortgage Pressures Ease, 3 Stocks to Rally on Lower Rates
PHM, RKT, SOFI
Published: September 09, 2025 by: MarketBeat
Sentiment: Neutral

Everyone is talking about the potential for the Federal Reserve to cut rates in the United States, an event that has the entire stock market trading into new all-time highs, especially the names in the technology sector that make up most of the S&P 500 index today.

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image for news Mortgage Pressures Ease, 3 Stocks to Rally on Lower Rates
SoFi launches new AI-themed ETF as skepticism grows
SOFI
Published: September 03, 2025 by: Reuters
Sentiment: Positive

SoFi Technologies jumped back into the exchange-traded fund business on Wednesday with its first launch in nearly two years, betting on artificial intelligence, the hottest theme in retail investing.

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image for news SoFi launches new AI-themed ETF as skepticism grows
SoFi Technologies, Inc. (SOFI) Is Up 2.08% in One Week: What You Should Know
SOFI
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Does SoFi Technologies, Inc. (SOFI) have what it takes to be a top stock pick for momentum investors? Let's find out.

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image for news SoFi Technologies, Inc. (SOFI) Is Up 2.08% in One Week: What You Should Know
Best Fintech Stocks Offering Compelling Long-Term Upside
HOOD, IBKR, SOFI
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

AI, embedded finance and programmable money are reshaping the fintech industry and fueling investor interest in Interactive Brokers, Robinhood and SoFi.

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image for news Best Fintech Stocks Offering Compelling Long-Term Upside
IFS vs. SOFI: Which Stock Is the Better Value Option?
IFS, SOFI
Published: September 01, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Intercorp Financial Services Inc. (IFS) and SoFi Technologies, Inc. (SOFI). But which of these two stocks is more attractive to value investors?

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image for news IFS vs. SOFI: Which Stock Is the Better Value Option?
Palantir, MARA and Tesla are most bought shares for Robinhood UK traders
PLTR, TSLA, AAPL, AMD, MARA, NVDA, SOFI
Published: September 01, 2025 by: Proactive Investors
Sentiment: Positive

Artificial intelligence, crypto and big tech continued to dominate trading activity among UK users of Robinhood in August, with Palantir Technologies Inc (NYSE:PLTR), Tesla Inc (NASDAQ:TSLA) and Nvidia Corp (NASDAQ:NVDA, ETR:NVD) topping the platform's most popular stocks list. Shares in AMD, Apple Inc (NASDAQ:AAPL, ETR:APC), SoFi Technologies and crypto-linked MARA also featured, as retail investors stuck with familiar growth themes despite growing market unease around valuations.

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image for news Palantir, MARA and Tesla are most bought shares for Robinhood UK traders
SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SOFI
Published: August 29, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.

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image for news SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SoFi Technologies (SOFI) Up 14.1% Since Last Earnings Report: Can It Continue?
SOFI
Published: August 28, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) reported earnings 30 days ago. What's next for the stock?

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image for news SoFi Technologies (SOFI) Up 14.1% Since Last Earnings Report: Can It Continue?
DAVE vs. SOFI: Which Fintech Disruptor Offers More Growth Potential Now?
DAVE, SOFI
Published: August 27, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi's soaring revenues, raised 2025 guidance, and record member growth set it apart from Dave's lean but pressured fintech model.

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image for news DAVE vs. SOFI: Which Fintech Disruptor Offers More Growth Potential Now?
Big Analyst Revisions Could Be Ahead for SoFi Stock
SOFI
Published: August 26, 2025 by: MarketBeat
Sentiment: Neutral

There are a few things investors need to understand about Wall Street analysts. They are typically careful and wary of upgrading and boosting any company's valuation or rating (no matter how justified) if the price is lagging behind the broader S&P 500 index or the industry peer group.

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image for news Big Analyst Revisions Could Be Ahead for SoFi Stock
The Transformation Driving SoFi Higher
SOFI
Published: August 25, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's stock surged 55% in two months as fee-based revenue hit $378M, 44% of total revenue. Financial Services revenue soared 106% YoY to $363M with 52% contribution margins, nearly tripling last year's profitability levels. Technology Platform revenue reached $110M, up 15% YoY, maintaining a 30% margin while scaling recurring income streams.

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image for news The Transformation Driving SoFi Higher
SoFi Technologies, Inc. (SOFI) Just Overtook the 50-Day Moving Average
SOFI
Published: August 22, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies, Inc. (SOFI) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, SOFI broke through the 50-day moving average, which suggests a short-term bullish trend.

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image for news SoFi Technologies, Inc. (SOFI) Just Overtook the 50-Day Moving Average
SOFI Stock: More Upside After A 60% Rise?
SOFI
Published: August 22, 2025 by: Forbes
Sentiment: Positive

The stock price of SoFi Technologies (NASDAQ:SOFI) has increased by 60% this year, primarily due to the company's announcement regarding new cryptocurrency investment options. This raises an important question: is the stock still a worthwhile investment?

Read More
image for news SOFI Stock: More Upside After A 60% Rise?
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Aug 22)
SOFI
Published: August 22, 2025 by: 24/7 Wall Street
Sentiment: Neutral

SoFi Technologies Inc.'s (NASDAQ: SOFI) chief executive officer recently stated at a conference that the fintech company has targeted 30% member growth and 20% revenue growth.

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image for news SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (Aug 22)
SoFi Technologies Stock Rally Thursday: What Happened?
SOFI
Published: August 21, 2025 by: Benzinga
Sentiment: Positive

SoFi Technologies Inc SOFI shares rebounded on Thursday, shaking off volatility from the previous session to close higher.

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image for news SoFi Technologies Stock Rally Thursday: What Happened?
SoFi's Growth Momentum in 2025 Boosts Investor Confidence
SOFI
Published: August 20, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi's solid Q2 results, fueled by 43% revenue growth and record loan originations, position it as a rising fintech super app in 2025.

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image for news SoFi's Growth Momentum in 2025 Boosts Investor Confidence
SoFi, Coinbase, and Robinhood Stocks Are Falling. The Fintech Rally Loses Steam.
COIN, HOOD, SOFI
Published: August 19, 2025 by: Barrons
Sentiment: Negative

Fintechs are selling off during a sleepy week on Wall Street. The Nasdaq Composite index and the largest fintech ETF are both down.

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image for news SoFi, Coinbase, and Robinhood Stocks Are Falling. The Fintech Rally Loses Steam.
Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
SOFI
Published: August 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Zacks.com users have recently been watching SoFi Technologies (SOFI) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.

Read More
image for news Investors Heavily Search SoFi Technologies, Inc. (SOFI): Here is What You Need to Know
SoFi Technologies: Shares Aren't Done Rising Yet
SOFI
Published: August 18, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies is a solid business that's growing rapidly and that should continue to do so moving forward. The stock isn't as cheap as it was previously, but it's still an interesting prospect with upside potential. Management's move to increase cash at current prices also makes sense and should pave the way for even more growth.

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image for news SoFi Technologies: Shares Aren't Done Rising Yet
XP vs. SOFI: Which Stock Is the Better Value Option?
SOFI, XP
Published: August 13, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both XP Inc.A (XP) and SoFi Technologies, Inc. (SOFI). But which of these two stocks presents investors with the better value opportunity right now?

Read More
image for news XP vs. SOFI: Which Stock Is the Better Value Option?
The Untold Story Of SoFi's Rise
SOFI
Published: August 08, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies' non‑lending segments generated $472 million in Q2 2025, rising 74% YoY and now contributing 55% of total revenue. Loan Platform Business originated $2.4 billion, produced $131 million revenue, and is progressing toward a $1 billion annual run rate. Adjusted EBITDA climbed 81% YoY to $249 million with a 29% margin, marking the seventh consecutive profitable quarter.

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image for news The Untold Story Of SoFi's Rise
SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
SOFI
Published: August 05, 2025 by: Zacks Investment Research
Sentiment: Positive

Zacks.com users have recently been watching SoFi Technologies (SOFI) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.

Read More
image for news SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
3 Surprising Earnings Winners Changing Their Market Narrative
BA, PYPL, SOFI
Published: August 04, 2025 by: MarketBeat
Sentiment: Positive

Who doesn't love a comeback story? While the most significant stock gains in 2025 have gone to AI hyperscalers, the market has rallied hard off the April lows, and investors are feeling more optimistic despite trade war headwinds and job market uncertainty.

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image for news 3 Surprising Earnings Winners Changing Their Market Narrative
Earnings Estimates Rising for SoFi Technologies (SOFI): Will It Gain?
SOFI
Published: July 31, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies, Inc. (SOFI) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

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image for news Earnings Estimates Rising for SoFi Technologies (SOFI): Will It Gain?
SOFI Stock Declines 2.4% Since Q2 Earnings & Revenue Beat
SOFI
Published: July 31, 2025 by: Zacks Investment Research
Sentiment: Neutral

SOFI posts triple beats in Q2 and lifts the full-year outlook. However, shares slip 2.4% despite 43% revenue growth.

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image for news SOFI Stock Declines 2.4% Since Q2 Earnings & Revenue Beat
SoFi Technologies: You Might Regret Not Taking Profits Now
SOFI
Published: July 30, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi delivered another stellar quarter, consistently beating estimates and showing robust revenue and earnings growth, possibly impressing even the skeptics. Valuation is extremely stretched at 61x forward EPS, suggesting years of optimism are already priced in, leaving little room for disappointment. Loan platform and asset-light strategies are gaining traction, but over 50% of revenue is still loan-driven, exposing SoFi to cyclical and credit risks.

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image for news SoFi Technologies: You Might Regret Not Taking Profits Now
SoFi's Q2 Beat Signals The Start Of A Crypto-Driven Growth Surge
SOFI
Published: July 30, 2025 by: Seeking Alpha
Sentiment: Positive

SOFI's Q2'25 earnings beat estimates, with strong revenue growth and a successful shift toward fee-based, capital-light income streams. Financial Services now represents 40% of revenue, showing dynamic growth and margin expansion, while Lending remains the core, most profitable segment. SOFI raised FY25 guidance, expects 30% annual revenue growth, and is expanding into crypto and stablecoins, unlocking new revenue streams.

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image for news SoFi's Q2 Beat Signals The Start Of A Crypto-Driven Growth Surge
SoFi Technologies: Blowout Q2 Earnings, Stock Sale, More Upside
SOFI
Published: July 30, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies delivered a strong Q2 report, crushing earnings and revenue estimates, fueled by impressive customer growth and robust financial services expansion. Despite a 6% share drop on a $1.5B stock sale, I see this capital raise as an opportunity for additional growth and investments, not a reason to sell. Management raised its FY 2025 revenue and income guidance, signaling continued momentum and setting the stage for future EPS upgrades.

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image for news SoFi Technologies: Blowout Q2 Earnings, Stock Sale, More Upside
SoFi: Great Quarter, But I'm Pausing Accumulation (Rating Downgrade)
SOFI
Published: July 30, 2025 by: Seeking Alpha
Sentiment: Neutral

SoFi delivered a strong Q2 2025 report yesterday, handily beating revenue and EPS estimates, with robust growth in fee-based revenue and member additions. Management raised 2025 guidance, projecting 30% revenue growth and higher EPS, reflecting ongoing business momentum and product innovation. Despite impressive fundamentals, a recent stock rally has shifted SoFi's risk/reward. With its 5-year CAGR slipping below my hurdle rate, I rate SoFi a 'Hold' in the $20s, pausing accumulation.

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image for news SoFi: Great Quarter, But I'm Pausing Accumulation (Rating Downgrade)

About SoFi Technologies, Inc. (SOFI)

  • IPO Date 2021-01-04
  • Website https://www.sofi.com
  • Industry Financial - Credit Services
  • CEO Anthony J. Noto
  • Employees 5000

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.