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 4.2458
  • Debt/Equity 0.5881
  • CurrentRatio 0.1498
  • ROIC 0.0485

 

  • MktCap 31636631642.0
  • FreeCF/Share -2.7477
  • PFCF -10.4433
  • PE 51.8676
  • Debt/Assets 0.0981
  • 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

Buy SOFI Stock Ahead of Its Upcoming Earnings?
SOFI
Published: July 28, 2025 by: Forbes
Sentiment: Positive

SoFi Technologies (NASDAQ:SOFI) is scheduled to announce its earnings on Tuesday, July 29, 2025. Historically, SOFI stock has performed well the day after earnings reports, showing a positive one-day return in 69% of instances.

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image for news Buy SOFI Stock Ahead of Its Upcoming Earnings?
Green Dot vs. SoFi: Which Fintech Bank Powerhouse is the Smarter Pick?
GDOT, SOFI
Published: July 25, 2025 by: Zacks Investment Research
Sentiment: Positive

SOFI's bold pivot to fee-based revenues and soaring 2025 growth projections give it the edge over GDOT's stable but slowing model.

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image for news Green Dot vs. SoFi: Which Fintech Bank Powerhouse is the Smarter Pick?
SoFi Technologies Stock On a Tear Ahead of Earnings
SOFI
Published: July 24, 2025 by: Schaeffers Research
Sentiment: Positive

SoFi Technologies Inc (NASDAQ:SOFI) is gearing up for its second-quarter earnings report, due out before the open on Tuesday, July 29.

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image for news SoFi Technologies Stock On a Tear Ahead of Earnings
SoFi is Playing to Win and Not Backing Down From the Fintech Fight
SOFI
Published: July 24, 2025 by: Zacks Investment Research
Sentiment: Positive

SOFI's net income surges 217% as it doubles down on innovation, partnerships, and fee-based growth amid fierce fintech rivalry.

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image for news SoFi is Playing to Win and Not Backing Down From the Fintech Fight
SoFi Technologies, Inc. (SOFI) Recently Broke Out Above the 20-Day Moving Average
SOFI
Published: July 24, 2025 by: Zacks Investment Research
Sentiment: Positive

After reaching an important support level, SoFi Technologies, Inc. (SOFI) could be a good stock pick from a technical perspective. SOFI surpassed resistance at the 20-day moving average, suggesting a short-term bullish trend.

Read More
image for news SoFi Technologies, Inc. (SOFI) Recently Broke Out Above the 20-Day Moving Average
SoFi Technologies, Inc. (SOFI) Reports Next Week: Wall Street Expects Earnings Growth
SOFI
Published: July 22, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news SoFi Technologies, Inc. (SOFI) Reports Next Week: Wall Street Expects Earnings Growth
Think SoFi Stock Is Expensive? This Chart Might Change Your Mind.
SOFI
Published: July 22, 2025 by: The Motley Fool
Sentiment: Positive

Determining what constitutes a cheap or expensive stock is anything but simple. Even the king of value investing, Warren Buffett, recently bought several stocks that don't look cheap according to traditional metrics.

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image for news Think SoFi Stock Is Expensive? This Chart Might Change Your Mind.
SoFi's $35 Trillion Market Opportunity That Investors Aren't Paying Attention To (Yet)
SOFI
Published: July 20, 2025 by: The Motley Fool
Sentiment: Positive

SoFi (SOFI -1.22%) has roughly tripled over the past year, and to be sure, there is a lot to like about the banking disruptor. For example, in the most recent quarter, SoFi added 800,000 new members -- its highest single-quarter total ever.

Read More
image for news SoFi's $35 Trillion Market Opportunity That Investors Aren't Paying Attention To (Yet)
Could Buying SoFi Stock Today Set You Up for Life?
SOFI
Published: July 19, 2025 by: The Motley Fool
Sentiment: Positive

SoFi Technologies (SOFI -1.22%) plays a leading role in the financial technology (fintech) space right now, with the company's laundry list of financial services ranging from savings accounts and loans to even crypto trading.

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image for news Could Buying SoFi Stock Today Set You Up for Life?
SoFi Soars 150%: Can It Double Again by 2026?
SOFI
Published: July 17, 2025 by: 24/7 Wall Street
Sentiment: Positive

Key Points in This Article: SoFi Technologies‘ (SOFI) 150% stock surge since April is driven by strong revenue growth, student loan demand, and crypto expansion plans.

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image for news SoFi Soars 150%: Can It Double Again by 2026?
SoFi Technologies, Inc. (SOFI) Rises Higher Than Market: Key Facts
SOFI
Published: July 16, 2025 by: Zacks Investment Research
Sentiment: Neutral

In the latest trading session, SoFi Technologies, Inc. (SOFI) closed at $21.39, marking a +2.05% move from the previous day.

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image for news SoFi Technologies, Inc. (SOFI) Rises Higher Than Market: Key Facts
SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
SOFI
Published: July 16, 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
SoFi Technologies, Inc. (SOFI) Is Up 14.16% in One Week: What You Should Know
SOFI
Published: July 15, 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 14.16% in One Week: What You Should Know
Galileo Drives SoFi's Seamless Fintech Integration and Expansion
SOFI
Published: July 15, 2025 by: Zacks Investment Research
Sentiment: Positive

Since acquiring Galileo Financial Technologies in 2020, SoFi Technologies, Inc. SOFI has deepened its fintech infrastructure by integrating Galileo's payment processing and tech capabilities across its growing suite of offerings. Galileo plays a pivotal role in enabling core functionalities such as buy now, pay later (BNPL) services and advanced customer engagement tools powered by conversational AI.

Read More
image for news Galileo Drives SoFi's Seamless Fintech Integration and Expansion
SoFi Stock Is Soaring. Where the Charts Say It's Headed Next.
SOFI
Published: July 14, 2025 by: Barrons
Sentiment: Positive

Shares of the fintech company are helping lead financials higher.

Read More
image for news SoFi Stock Is Soaring. Where the Charts Say It's Headed Next.
SoFi Announces Monthly Distributions on $THTA (12.00%)
SOFI
Published: July 14, 2025 by: GlobeNewsWire
Sentiment: Neutral

NEW YORK, July 14, 2025 (GLOBE NEWSWIRE) -- SoFi, a leading provider of thematic and income ETFs, today announced monthly distributions on the SoFi Enhanced Yield ETF (THTA). Distribution as of 07/14/2025 ETF Ticker Distribution per Share Distribution Rate * 30-Day SEC Yield** Ex-Date Record Date Payment Date THTA $0.1504 12.00% 3.85% 07/15/2025 07/15/2025 07/16/2025 Inception date: 11/15/2023 Click here to view standardized performance for THTA.

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image for news SoFi Announces Monthly Distributions on $THTA (12.00%)
XP or SOFI: Which Is the Better Value Stock Right Now?
SOFI, XP
Published: July 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either XP Inc.A (XP) or SoFi Technologies, Inc. (SOFI). But which of these two companies is the best option for those looking for undervalued stocks?

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image for news XP or SOFI: Which Is the Better Value Stock Right Now?
How Trump's Student Loan Reform Could Funnel Billions In Loans To SoFi
SOFI
Published: July 10, 2025 by: Benzinga
Sentiment: Positive

SoFi Technologies Inc. SOFI has seen its stock soar by approximately 45% in the past month, fueled by potential legislative changes that could significantly reroute student loan demand from federal programs to private lenders.

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image for news How Trump's Student Loan Reform Could Funnel Billions In Loans To SoFi
SoFi CEO: Student loans are a smaller piece of our business now
SOFI
Published: July 10, 2025 by: CNBC Television
Sentiment: Positive

SoFi CEO Anthony Noto said Thursday that student loans now make up a smaller piece of the company's business, with more than 50% of revenue coming from non-lending streams.

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image for news SoFi CEO: Student loans are a smaller piece of our business now
SoFi CEO on investing in private markets, student loan opportunities
SOFI
Published: July 10, 2025 by: CNBC Television
Sentiment: Positive

Anthony Noto, SoFi CEO, joins 'Squawk Box' to discuss the company's expansion into private market investing, what's seen as a tailwind for SoFi and much more.

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image for news SoFi CEO on investing in private markets, student loan opportunities
SOFI Leans Into Scale and Innovation for Sustainable Growth
SOFI
Published: July 08, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies rides a 217% profit surge and $2B Fortress deal to scale its ecosystem and cut reliance on lending-heavy income.

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image for news SOFI Leans Into Scale and Innovation for Sustainable Growth
SoFi Stock Is Rising. Private Markets Push and Trump Tax Bill Give Shares a Boost.
SOFI
Published: July 08, 2025 by: Barrons
Sentiment: Positive

SoFi Technologies expands access to private markets funds. It's not the only thing lifting shares Tuesday.

Read More
image for news SoFi Stock Is Rising. Private Markets Push and Trump Tax Bill Give Shares a Boost.
SoFi Stock Up 36% — May Rise On Crypto, Student Loan Policy Boosts
SOFI
Published: July 08, 2025 by: Forbes
Sentiment: Positive

SoFi Technologies stock is on a roll due to favorable crypto rulings from a bank regulator and student loan changes in the Big, Beautiful Bill Act.

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image for news SoFi Stock Up 36% — May Rise On Crypto, Student Loan Policy Boosts
Here's why SoFi stock price is surging and why it could soar 52% soon
SOFI
Published: July 07, 2025 by: Invezz
Sentiment: Positive

SoFi stock price surged and crossed the important resistance level at $18.43 as the company prepares its re-entry into the booming crypto industry. It jumped to a high of $18.57 on Thursday, its highest level since November 2021, and 345% from its lowest level this year.

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image for news Here's why SoFi stock price is surging and why it could soar 52% soon
SoFi Stock Skyrockets 88% in 3 Months: Too Late to Get in?
SOFI
Published: July 04, 2025 by: Zacks Investment Research
Sentiment: Positive

Shares of SoFi Technologies, Inc. SOFI have surged 88% in the past three months, far exceeding the industry's 40% growth. Over the last year, the stock has skyrocketed 187%.

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image for news SoFi Stock Skyrockets 88% in 3 Months: Too Late to Get in?
SoFi Technologies (NASDAQ: SOFI) Price Prediction and Forecast 2025-2030 (July 4)
SOFI
Published: July 04, 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 (July 4)
2 Soaring Stocks With More Upside Potential to Buy and Hold
SMMT, SOFI
Published: July 04, 2025 by: The Motley Fool
Sentiment: Positive

Is it worth it to buy a stock after it experiences significant market gains? The answer is, it depends.

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image for news 2 Soaring Stocks With More Upside Potential to Buy and Hold
SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SOFI
Published: July 03, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies (SOFI) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

Read More
image for news SoFi Technologies, Inc. (SOFI) Is a Trending Stock: Facts to Know Before Betting on It
SoFi: Crypto Boost
SOFI
Published: July 02, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's re-entry into crypto unlocks a massive new market, with stablecoins and crypto trading poised to drive significant revenue growth. The fintech exited the crypto business in late 2023 due to regulatory pressures to gain the banking license. Crypto fintechs are currently trading at much higher valuation multiples due to the scalable and capital-light business models.

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image for news SoFi: Crypto Boost
Why SoFi Could Be The Next $10 Billion Fintech Giant -- Don't Miss Out!
SOFI
Published: July 02, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's digital platform enables full-service banking at lower costs, driving strong member and product growth with impressive revenue expansion. The shift from loan-based to fee-based revenue makes SoFi less sensitive to interest rates and more resilient than traditional banks. Despite appearing overvalued by traditional metrics, SoFi's high growth rates and profitability potential justify a bullish long-term outlook.

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image for news Why SoFi Could Be The Next $10 Billion Fintech Giant -- Don't Miss Out!

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.