English
Français
Español
Deutsch
Italiano
Português
Nederlands
Polski
Română
Svenska
Dansk
Suomi
Čeština
Ελληνικά
Magyar
SlovenčinaData temporarily unavailable
Unable to load analysis for « - » for now. Try again in a few moments.
Investlytic score: 2/5 criteria met.
- ❌ Price trend failed
- ⚠️ Mixed growth
- ✅ Debt passed
- ❌ P/E failed
- ✅ Correction passed
Price trend
Overall trend (8 years): insufficient progression (less than x1.5).
Price change 2020 → 2021: 27.09%
Price change 2021 → 2022: -70.84%
Price change 2022 → 2023: 115.84%
Price change 2023 → 2024: 54.77%
Price change 2024 → 2025: 70.00%
Price change 2025 → 2026: -39.50%
Price change 2026 (year to date): -42.32%
Financial growth
Revenue CAGR (8 years): 34.47%
Earnings CAGR (8 years): N/A
Growth status: positive trend (>1%/yr) in revenue, earnings data insufficient/N/A.
Debt
Debt-to-equity ratio: 0.18
Debt/equity < 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 32.85
P/E > 25.0 (maximum threshold).
Correction (6 months)
Current correction: 18.77% from the high over 6 months.
Correction between 10.0% and 20.0% (target range).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="SOFI" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| SoFi Technologies, Inc. | 30.5 | 0.18 | +24.5 % | 🔒 |
| NN Group N.V. | 11.5 | 0.72 | −11.7 % | – |
| Amundi S.A. | 13.7 | 0.16 | +8.4 % | ★ 4/5 |
| Banco BPM S.p.A. | 9.0 | 2.00 | +3.1 % | – |
| Circle Internet Group | 49.7 | 0.01 | +181.8 % | – |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
-
Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by SoFi Technologies, Inc. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 751 m | -224 m | -29.8 % | n/a |
| 2021 | 1.1 bn | -484 m | -44.5 % | +44.8 % |
| 2022 | 1.8 bn | -320 m | -18.2 % | +62.1 % |
| 2023 | 2.9 bn | -301 m | -10.4 % | +64.4 % |
| 2024 | 3.7 bn | 499 m | 13.5 % | +27.8 % |
| 2025 | 4.8 bn | 481 m | 10.1 % | +28.8 % |
Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.
Accounts and financial health
Balance sheet and cash flow published by SoFi Technologies, Inc. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 690 m | 1.5 bn | 3.6 bn | 4.3 bn | 7.4 bn |
| Total Debt | 4.2 bn | 5.6 bn | 5.4 bn | 3.2 bn | 1.9 bn |
| Net Debt | 3.7 bn | 4.2 bn | 2.3 bn | 666 m | -3.0 bn |
| Equity | 4.7 bn | 5.5 bn | 5.6 bn | 6.5 bn | 10.5 bn |
| Total assets | 9.2 bn | 19.0 bn | 30.1 bn | 36.3 bn | 50.7 bn |
| Operating cash flow | -1.4 bn | -7.3 bn | -7.2 bn | -1.1 bn | -3.7 bn |
| Investments (capex) | 52.3 m | 93.2 m | 111 m | 154 m | 242 m |
| Free cash-flow | -1.4 bn | -7.4 bn | -7.3 bn | -1.3 bn | -4.0 bn |
| Share buybacks | 283 m | 0 | 0 | 0 | 65.0 m |
| Dividends paid | 40.4 m | 40.4 m | 40.4 m | 16.5 m | 0 |
Amounts in USD, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.
Valuation and competitors
SoFi Technologies, Inc. compared with its sector on the same exchange and with its main competitors.
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.
Analyst consensus and forecasts
What the financial analysts covering SoFi Technologies, Inc. publish: ratings, price targets and earnings forecasts.
Breakdown of ratings
Average target over the last 3 months: 20.95 USD (11 targets).
Analyst forecasts
| Fiscal year | Revenue | Net income | Expected EPS (range) | P/E on this EPS | Analysts |
|---|---|---|---|---|---|
| 2026 | 5.0 bn | 753 m | 0.60 (0.56 / 0.64) | 27.8 | 12 |
| 2027 | 6.4 bn | 1.1 bn | 0.87 (0.79 / 0.93) | 19.3 | 12 |
| 2028 | 7.8 bn | 1.3 bn | 1.10 (0.84 / 1.26) | 15.2 | 15 |
Amounts in USD, the reporting currency.
Track record against expectations: reported EPS above consensus 12 times over the last 12 releases.
Rating changes (12 months)
| Date | Firm | Before | After |
|---|---|---|---|
| 29/10/2026 | UBS | Neutral | Neutral |
| 28/10/2026 | Wells Fargo | Equal Weight | Equal Weight |
| 28/10/2026 | Needham | Buy | Buy |
| 28/10/2026 | StoneX | Buy | Buy |
| 28/10/2026 | Scotiabank | Sector Outperform | Sector Outperform |
Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in SoFi Technologies, Inc.
Large funds tracked
| Fund | Shares | Value (USD) | Weight in the fund | Change | Quarter |
|---|---|---|---|---|---|
| Vanguard Group | 111 m | 2.9 bn | 0.0 % | +3.6 % | 2025Q4 |
| BlackRock | 72.4 m | 1.3 bn | 0.0 % | +4.2 % | 2026Q2 |
| State Street | 57.5 m | 1.0 bn | 0.0 % | +110.6 % | 2026Q2 |
| Goldman Sachs | 35.2 m | 631 m | 0.1 % | +180.9 % | 2026Q2 |
| Geode Capital Management | 23.4 m | 418 m | 0.0 % | -10.1 % | 2026Q2 |
| Morgan Stanley | 19.5 m | 350 m | 0.0 % | -8.2 % | 2026Q2 |
| D. E. Shaw & Co | 14.7 m | 263 m | 0.2 % | -65.6 % | 2026Q2 |
| Norges Bank | 13.6 m | 244 m | 0.0 % | +11.0 % | 2026Q2 |
Latest insider transactions
| Date | Person | Side | Amount |
|---|---|---|---|
| 20/10/2026 | Keough Kelli | sale | 150,215 USD |
| 21/09/2026 | Keough Kelli | sale | 173,310 USD |
| 21/09/2026 | Rishel Jeremy | sale | 325,920 USD |
| 20/08/2026 | Keough Kelli | sale | 203,184 USD |
| 20/07/2026 | Keough Kelli | sale | 188,290 USD |
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about SoFi Technologies, Inc.
What is the SoFi Technologies, Inc. share price?
Latest recorded price: 16.21 USD on 06/11/2026, for a market cap of 21.0 bn USD.
What is the revenue of SoFi Technologies, Inc.?
4.8 bn USD for fiscal year 2025, with net income of 481 m USD (net margin 10.1 %).
When does SoFi Technologies, Inc. report its next earnings?
The next release is expected on 29/01/2027. EPS expected by analysts: 0.20.
What do analysts say about SoFi Technologies, Inc.?
Out of 29 analysts: 12 buy or strong buy, 13 hold, 4 sell or strong sell. Average price target: 21.77 USD, i.e. +29.9 % from the share price.
What is the P/E ratio of SoFi Technologies, Inc.?
Trailing 12-month P/E of 29.5, against 20.5 for the sector median on the same exchange (10-year median: 23.2).
Is SoFi Technologies, Inc. stock eligible for the French PEA?
No: the company is headquartered outside the European Union and the European Economic Area (ISIN US83406F1021).
How many employees does SoFi Technologies, Inc. have?
5,000 full-time employees according to the latest published profile.
Who runs SoFi Technologies, Inc.?
Anthony J. Noto is the company's chief executive.
Which large funds own SoFi Technologies, Inc.?
As of 2026Q2, among the large funds tracked: Vanguard Group, BlackRock, State Street, Goldman Sachs, Geode Capital Management.