Sofi Technologies Inc (SOFI)
NASDAQ:SOFI
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SOFI Stock Chart & Stats
$19.43
-$0.35(-2.35%)
At close: 4:00 PM EST
$19.43
-$0.35(-2.35%)
Day’s Range― - ―
52-Week Range$14.64 - $32.73
Previous CloseN/A
Volume13.82M
Average Volume (3M)73.00M
Market Cap
$22.97B
Enterprise Value$20.50B
Total Cash (Recent Filing)$6.45B
Total Debt (Recent Filing)$1.91B
Price to Earnings (P/E)39.6
Beta2.39
Next Earnings
Aug 04, 2026EPS Estimate
0.11Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.48
Shares Outstanding1,282,741,200
10 Day Avg. Volume81,087,294
30 Day Avg. Volume73,000,762
Financial Highlights & Ratios
PEG Ratio-7.19
Price to Book (P/B)2.87
Price to Sales (P/S)6.31
P/FCF Ratio-7.56
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue3.99
Enterprise Value/Gross Profit5.24
Enterprise Value/Ebitda22.98
Forecast
1Y Price Target
$20.69Price Target Upside6.47% Upside
Rating ConsensusHold
Number of Analyst Covering19
EPS Forecast (FY)0.6
Revenue Forecast (FY)$4.68B
Bulls Say, Bears Say
Bulls Say
Diversified Revenue MixSoFi's business produces material cash revenue from both net interest and fee streams, reducing reliance on a single product. This diversified cash generation (lending NII plus interchange, brokerage and platform fees) supports margin resilience and cross-sell durability as the member base scales over months.
Revenue Growth And Profitability InflectionSustained high revenue growth alongside strong adjusted EBITDA margins demonstrates an ability to grow with operating leverage. Repeated Rule-of-40 outperformance indicates scalable economics that can fund continued product investment while maintaining durable profitability over the next several quarters.
Stronger Balance Sheet And Capital PositionMaterial de-leveraging and a larger equity base enhance financial flexibility and reduce funding stress. Higher tangible book value, deposit growth and a ~21% capital ratio provide a durable buffer for lending growth and credit shocks, lowering refinance and regulatory risks over the medium term.
Bears Say
Persistent Negative Operating Cash FlowDespite positive net income, large negative operating and free cash flows indicate the business has not yet converted accounting profits into cash. This persistent cash burn increases reliance on external financing, securitizations or equity, which can constrain strategic flexibility and raise funding costs if markets tighten.
Technology Platform Revenue PressureThe loss of a major tech client and a small, single-digit contribution margin signal execution and concentration risk in the platform segment. As platform revenues are intended to be recurring, such client exits can slow durable revenue diversification and delay margin normalization from B2B operations.
Credit Quality And Charge-off TrendsRising personal loan charge-offs and meaningful delinquent loan sales suggest credit risk pressure. Elevated loss rates require higher provisions, compress lending economics and could force tighter underwriting or higher funding costs, impairing sustainable net interest margins and long-term lending growth.
SoFi News
SOFI FAQ
What was Sofi Technologies Inc’s price range in the past 12 months?
Sofi Technologies Inc lowest stock price was $14.64 and its highest was $32.73 in the past 12 months.
What is Sofi Technologies Inc’s market cap?
Sofi Technologies Inc’s market cap is $22.97B.
When is Sofi Technologies Inc’s upcoming earnings report date?
Sofi Technologies Inc’s upcoming earnings report date is Aug 04, 2026 which is in 44 days.
How were Sofi Technologies Inc’s earnings last quarter?
Sofi Technologies Inc released its earnings results on Apr 29, 2026. The company reported $0.12 earnings per share for the quarter, beating the consensus estimate of $0.119 by $0.001.
Is Sofi Technologies Inc overvalued?
According to Wall Street analysts Sofi Technologies Inc’s price is currently Undervalued.
Does Sofi Technologies Inc pay dividends?
Sofi Technologies Inc does not currently pay dividends.
What is Sofi Technologies Inc’s EPS estimate?
Sofi Technologies Inc’s EPS estimate is 0.11.
How many shares outstanding does Sofi Technologies Inc have?
Sofi Technologies Inc has 1,282,741,200 shares outstanding.
What happened to Sofi Technologies Inc’s price movement after its last earnings report?
Sofi Technologies Inc reported an EPS of $0.12 in its last earnings report, beating expectations of $0.119. Following the earnings report the stock price went down -15.441%.
Which hedge fund is a major shareholder of Sofi Technologies Inc?
Currently, no hedge funds are holding shares in SOFI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
SoFi Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$20.69 (6.47% Upside)
$20.69 (6.47% Upside)
Blogger Sentiment
Bullish
SOFI Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 378.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $749.2K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.1%
Last 30 Days ▲ 0.4%
Last 30 Days ▲ 0.4%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
16.60%
12-Months-Change
Fundamentals
Return on Equity
6.25%
Trailing 12-Months
Asset Growth
42.25%
Trailing 12-Months
Company Description
Sofi Technologies Inc
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
SOFI Company Deck
SOFI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized robust top-line acceleration, record originations, strong profitability and capital strength, alongside strategic progress in crypto and technology. Key near-term headwinds include a lost large tech platform client, modest fair value mark pressure due to higher benchmark rates, and accelerated marketing spend in H1. Overall, the positive operating momentum, record metrics, and solid capital position outweigh the transitory challenges noted by management.View all SOFI earnings summariesSOFI Net revenue Breakdown
95.54% U.S.
4.46% All foreign countries
SOFI Stock 12 Month Forecast
Average Price Target
$20.69
▲(6.47% Upside)
Technical Analysis
Ownership Overview
1.44% Insiders
11.56% Mutual Funds
8.99% Other Institutional Investors
64.68% Public Companies and Individual Investors