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 Technologies: Supercharging Growth Via Capital-Light Digital Platform
SOFI
Published: May 07, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies' innovative digital platform, targeting millennials and Gen-Z, drives strong membership growth and cross-selling opportunities, enhancing profitability and scalability. The capital-light business model and strategic partnerships, such as with Blue Owl Capital, enable SoFi to issue more loans and diversify revenue sources. Financial Services and Technology segments are growing rapidly, now constituting 47% of total revenue, showcasing the potential of SoFi's fee-based model.

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image for news SoFi Technologies: Supercharging Growth Via Capital-Light Digital Platform
SoFi Technologies, Inc. (SOFI) is Attracting Investor Attention: Here is What You Should Know
SOFI
Published: May 06, 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 Attracting Investor Attention: Here is What You Should Know
SoFi: Q1 Earnings Only Solidified My Long Term Thesis
SOFI
Published: May 06, 2025 by: Seeking Alpha
Sentiment: Positive

Despite consistent revenue and EPS beats, SOFI's stock often drops post-earnings, but its long-term fundamentals and growth potential are steadily improving. Q1 highlights include 20% YoY revenue growth, 34% YoY new members, and a 67% YoY increase in fee-based revenue, showcasing strong profitability and margin growth. SOFI's diversified financial services and tech platform, including Galileo, position it as a fintech, not just a bank, with significant undervaluation compared to peers.

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image for news SoFi: Q1 Earnings Only Solidified My Long Term Thesis
Options Bulls Target SoFi Technologies Stock Amid Rally
SOFI
Published: May 05, 2025 by: Schaeffers Research
Sentiment: Positive

Consumer lending stock SoFi Technologies Inc (NASDAQ:SOFI) is up 2% at $12.96 at last glance.

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image for news Options Bulls Target SoFi Technologies Stock Amid Rally
SoFi Technologies Q1 Earnings & Revenues Beat Estimates, Rise Y/Y
SOFI
Published: May 02, 2025 by: Zacks Investment Research
Sentiment: Positive

SOFI's first-quarter 2025 earnings and revenues increase year over year.

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image for news SoFi Technologies Q1 Earnings & Revenues Beat Estimates, Rise Y/Y
SoFi Technologies: Doubling Upside Potential Ahead, Thanks To Neobank's/Fintech's Outperformance
SOFI
Published: May 02, 2025 by: Seeking Alpha
Sentiment: Positive

The selloff has already triggered SOFI's much-needed correction, thanks to the cheaper valuations and the more than doubling upside potential over the next few years. Much of its tailwinds are attributed to the management's ongoing diversification in revenues across net interest incomes and fees-based platforms, reducing its sensitivity to fluctuating interest rates. These build upon SOFI's ability to increasingly cross-sell its well-diversified financial products to its existing/ new members as a one-stop shop fintech platform.

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image for news SoFi Technologies: Doubling Upside Potential Ahead, Thanks To Neobank's/Fintech's Outperformance
SoFi Reports Strong Q1 Results, Raises 2025 Full-Year Guidance
SOFI
Published: May 01, 2025 by: MarketBeat
Sentiment: Positive

SoFi Technologies NASDAQ: SOFI has increasingly solidified its status as a transformative player within the financial services industry, leveraging innovative digital-first solutions to challenge legacy banking institutions. In the first quarter, the company exceeded Wall Street's expectations and marked a pivotal milestone by achieving sustained profitability, an essential component of its long-term strategic roadmap.

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image for news SoFi Reports Strong Q1 Results, Raises 2025 Full-Year Guidance
Is SoFi Stock the Smartest Investment You Can Make Today?
SOFI
Published: May 01, 2025 by: The Motley Fool
Sentiment: Positive

SoFi Technologies (SOFI -5.84%) just reported financial results for the first quarter. The numbers looked solid, with stellar growth still on tap and ongoing increases in profitability.

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image for news Is SoFi Stock the Smartest Investment You Can Make Today?
Is Sofi Technologies Stock a Buy Now?
SOFI
Published: May 01, 2025 by: The Motley Fool
Sentiment: Positive

Shares of SoFi Technologies (SOFI -5.84%) leaped higher when the market opened on Tuesday, April 29, and ended the day in positive territory. Investors responded well to a first-quarter earnings report that contained plenty of positives.

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image for news Is Sofi Technologies Stock a Buy Now?
SoFi Stock Analysis: Buy, Hold, or Sell After Excellent Earnings Results?
SOFI
Published: May 01, 2025 by: The Motley Fool
Sentiment: Positive

SoFi Technologies (SOFI -5.84%) delivered better-than-expected results for the first quarter of 2025.

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image for news SoFi Stock Analysis: Buy, Hold, or Sell After Excellent Earnings Results?
2 No-Brainer Fintech Stocks to Buy With $1,000 Right Now
PYPL, SOFI
Published: May 01, 2025 by: The Motley Fool
Sentiment: Positive

There is a great deal of uncertainty surrounding tariff policy, interest rates, consumer confidence, and just the economy in general. And this has created some excellent opportunities for patient long-term investors to add fantastic businesses to their portfolio at attractive prices.

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image for news 2 No-Brainer Fintech Stocks to Buy With $1,000 Right Now
SoFi: Seriously Undervalued
SOFI
Published: May 01, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi Technologies beat Q1'25 consensus estimates, driven by strong financial services and customer acquisition momentum. The Fintech added 789k new members in Q1, reaching 10.9M total customers, and grew its platform products by 1.17M to 15.9M. SoFi raised its FY 2025 guidance, now expecting 25.5% Y/Y revenue growth.

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image for news SoFi: Seriously Undervalued
Is SoFi Stock a Buy Now After These Incredible Earnings?
SOFI
Published: April 30, 2025 by: The Motley Fool
Sentiment: Neutral

In this video, I will be going over SoFi Technologies' (SOFI 0.76%) first-quarter earnings report and key comments made by management during the earnings call. Watch the short video to learn more, consider subscribing, and click the special offer link below.

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image for news Is SoFi Stock a Buy Now After These Incredible Earnings?
SOFI Doubles Financial Services Revenue, Becoming "Household" Name
SOFI
Published: April 29, 2025 by: Schwab Network
Sentiment: Positive

Jeff Pierce returns to talk about SoFi Technologies (SOFI), which rallied Tuesday after seeing financial services grow more than 100%. He believes the stock is earning more respect on Wall Street through diversifying its business.

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image for news SOFI Doubles Financial Services Revenue, Becoming "Household" Name
Fintech Stocks in Focus as Earnings Circle
PYPL, SOFI, XYZ
Published: April 29, 2025 by: Schaeffers Research
Sentiment: Positive

Fintech stocks SoFi Technologies Inc (NASDAQ:SOFI) and PayPal Holdings Inc (NASDAQ:PYPL) are in focus today, after both companies announced better-than-expected first-quarter earnings and revenue results.

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image for news Fintech Stocks in Focus as Earnings Circle
SoFi CEO Wants to Offer More Crypto Products
SOFI
Published: April 29, 2025 by: Bloomberg Technology
Sentiment: Positive

SoFi CEO Anthony Noto discusses the fintech company's plans for the future as its stock rises on positive forward guidance. Noto joins Caroline Hyde and Ed Ludlow on “Bloomberg Technology.

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image for news SoFi CEO Wants to Offer More Crypto Products
SoFi Member Deposits Grow to $27.3 Billion and Cross-Selling Accelerates
SOFI
Published: April 29, 2025 by: PYMNTS
Sentiment: Positive

SoFi Technologies posted first-quarter earnings results Tuesday (April 29) that showed continued growth in deposits and debit spending, as well as a roadmap to fee-based and broadened product offerings, as cross-selling accelerated across its platform.

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image for news SoFi Member Deposits Grow to $27.3 Billion and Cross-Selling Accelerates
SoFi Technologies: Momentum Is Building
SOFI
Published: April 29, 2025 by: Seeking Alpha
Sentiment: Positive

After reporting its Q1 2025 results this morning, SoFi Technologies stock jumped up by ~9% in early trading. While some of these gains have faded already, the results provided further validation for our bullish investment thesis for SoFi. In this report, we review SoFi's Q1 2025 results, forward guidance, and long-term risk/reward.

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image for news SoFi Technologies: Momentum Is Building
Compared to Estimates, SoFi Technologies (SOFI) Q1 Earnings: A Look at Key Metrics
SOFI
Published: April 29, 2025 by: Zacks Investment Research
Sentiment: Neutral

While the top- and bottom-line numbers for SoFi Technologies (SOFI) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

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image for news Compared to Estimates, SoFi Technologies (SOFI) Q1 Earnings: A Look at Key Metrics
3 Reasons SOFI Stock Is the Comeback Kid of 2025
SOFI
Published: April 29, 2025 by: 24/7 Wall Street
Sentiment: Positive

SoFi Technologies demonstrated impressive member and product growth in Q1. SoFi's top- and bottom-line results indicate turnaround potential, especially in the company's Lending segment.

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image for news 3 Reasons SOFI Stock Is the Comeback Kid of 2025
White House Slams AMZN, HIMS & NVO Wegovy Partnership, SOFI Rallies
AMZN, HIMS, NVO, SOFI
Published: April 29, 2025 by: Schwab Network
Sentiment: Negative

Amazon (AMZN) shares faced selling pressure after the White House called the company's decision to display tariff costs on products a "hostile and political act." Diane King Hall notes it's just the latest company following a formula.

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image for news White House Slams AMZN, HIMS & NVO Wegovy Partnership, SOFI Rallies
SoFi Technologies shares gain as strong demand for loans boost earnings
SOFI
Published: April 29, 2025 by: Reuters
Sentiment: Positive

SoFi Technologies shares gained on Tuesday after the financial technology firm reported better-than-expected quarterly results buoyed by strong demand for its loan products as well as retail trading business.

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image for news SoFi Technologies shares gain as strong demand for loans boost earnings
SoFi Technologies, Inc. (SOFI) Tops Q1 Earnings and Revenue Estimates
SOFI
Published: April 29, 2025 by: Zacks Investment Research
Sentiment: Positive

SoFi Technologies, Inc. (SOFI) came out with quarterly earnings of $0.06 per share, beating the Zacks Consensus Estimate of $0.03 per share. This compares to earnings of $0.02 per share a year ago.

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image for news SoFi Technologies, Inc. (SOFI) Tops Q1 Earnings and Revenue Estimates
Here Are My Top 3 Stocks Down More Than 25% To Buy Right Now
PYPL, SBUX, SOFI
Published: April 29, 2025 by: The Motley Fool
Sentiment: Positive

The S&P 500 and Nasdaq-100 indexes have rebounded significantly from the lows we saw after President Donald Trump's "reciprocal" tariff announcements in early April. However, while the major indexes may no longer be in bear market territory, there are some excellent stocks that still are.

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image for news Here Are My Top 3 Stocks Down More Than 25% To Buy Right Now
SoFi hits a record for new customers, and its stock is rising
SOFI
Published: April 29, 2025 by: Market Watch
Sentiment: Positive

The financial-technology company also boosted its full-year outlook.

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image for news SoFi hits a record for new customers, and its stock is rising
SOFI Expectations "Pretty Good," Macro Outlook Pinches 2025 Growth
SOFI
Published: April 28, 2025 by: Schwab Network
Sentiment: Positive

SoFi Technologies (SOFI) posts earnings Tuesday morning, and Jeff Pierce says investors have plenty of reasons to be excited heading into the report. He notes strong EPS growth projected on the quarter but isn't as confident on the full-year outlook.

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image for news SOFI Expectations "Pretty Good," Macro Outlook Pinches 2025 Growth
SoFi stock: missed opportunity or smart buy for 2025?
SOFI
Published: April 28, 2025 by: Invezz
Sentiment: Positive

It may not be too late to invest in SoFi Technologies Inc. (NASDAQ: SOFI) even though the fintech stock has already gained nearly 35% in recent weeks, says a senior analyst at Citizens JMP.

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image for news SoFi stock: missed opportunity or smart buy for 2025?
SoFi Technologies Q1 Preview: Student Loan Boom
SOFI
Published: April 28, 2025 by: Seeking Alpha
Sentiment: Positive

SoFi's shares have outperformed the market, driven by regulatory changes and resumption of student loan payments, making it a strong buy heading into earnings. The fintech bank's multi-segment platform and cross-selling opportunities position it for significant growth, especially with the end of the student loan payment moratorium. SoFi is expected to report strong Q1 earnings, with significant year-over-year growth in both EPS and revenue, driven by increased student loan refinancing demand.

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image for news SoFi Technologies Q1 Preview: Student Loan Boom
SoFi Stock Initiated at Market Outperform. Analysts See ‘Compelling Long-Term Investment Opportunity.
SOFI
Published: April 25, 2025 by: Barrons
Sentiment: Positive

SoFi has earnings potential that is currently undervalued by the market, Citizens JMP say.

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image for news SoFi Stock Initiated at Market Outperform. Analysts See ‘Compelling Long-Term Investment Opportunity.
SoFi: Near IPO Levels & A Huge Opportunity
SOFI
Published: April 22, 2025 by: Seeking Alpha
Sentiment: Positive

The investment thesis highlights the company's strong market position, innovative product line, and consistent revenue growth as key drivers for future stock appreciation. Rating justification is based on robust financial health, strategic acquisitions, and a favorable industry outlook, making the stock a compelling buy. The opening paragraphs emphasize the company's impressive track record and potential for continued success in a competitive market.

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image for news SoFi: Near IPO Levels & A Huge Opportunity

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.