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$13.23 - $32.73
Previous CloseN/A
Volume13.82M
Average Volume (3M)69.80M
Market Cap
$22.76B
Enterprise Value$21.52B
Total Cash (Recent Filing)$3.76B
Total Debt (Recent Filing)$1.91B
Price to Earnings (P/E)36.9
Beta2.31
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. Volume74,602,477
30 Day Avg. Volume69,796,033
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 Cap0.95
Enterprise Value/Revenue4.19
Enterprise Value/Gross Profit5.51
Enterprise Value/Ebitda24.13
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
Revenue Growth & Rule Of 40Sustained high revenue growth combined with a 31% adjusted EBITDA margin (Rule of 40 outperformance) indicates the business model is scaling profitably. This durable mix of top-line expansion and margin discipline supports long-term reinvestment capacity and competitive growth without eroding economics.
Lending Momentum & Net Interest IncomeRecord originations and sharply higher net interest income signal durable scaling of SoFi's core lending franchise. Growing loan volumes and NII diversification across personal, student and home loans strengthen an ongoing earnings base and reduce reliance on one-time origination gains.
Balance Sheet & Capital StrengthA materially stronger capital base, growing deposits and a 21% total capital ratio provide durable funding resilience and regulatory cushion. Expanded tangible equity and deposit-led funding lower refinancing risk and support sustained lending growth and tech investments over the medium term.
Bears Say
Negative Operating & Free Cash FlowDeeply negative operating and free cash flows despite recent net income gains indicate the business has not converted earnings into cash. Persistent cash burn increases reliance on external financing or equity, raising funding risk if capital markets tighten and constraining self-funded investment.
Tech Platform Concentration RiskThe loss of a large technology-platform client highlights concentration and retention risk in SoFi's enterprise business. Recurring revenue vulnerability can slow durable margin expansion for the technology segment and complicate selling momentum to other enterprise customers.
Elevated Charge-off RatesRising personal loan charge-offs and a ~4.4% all-in rate indicate elevated credit risk that can persist through cycles. Higher credit losses require larger provisions, compress margins and may limit sustainable loan growth if underwriting or borrower mix deteriorates over time.
SoFi News
SOFI FAQ
What was Sofi Technologies Inc’s price range in the past 12 months?
Sofi Technologies Inc lowest stock price was $13.23 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 $22.76B.
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 61 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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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 $1.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 0.9%
Last 30 Days ▲ 0.9%
News Sentiment
Bullish
Bullish news 79%
Bearish news 15%
Bearish news 15%
Technicals
SMA
Negative
20 days / 200 days
Momentum
22.10%
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. 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.
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
1.45% Insiders
11.56% Mutual Funds
8.99% Other Institutional Investors
65.07% Public Companies and Individual Investors