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)69.04M
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)39.2
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. Volume69,985,471
30 Day Avg. Volume69,039,878
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
Sustained Revenue Growth & Rule Of 40Consistent, high top-line growth combined with profitability (Rule of 40 outperformance) indicates a scalable business model and efficient go-to-market. This durable mix of growth and margin expansion supports long-term reinvestment capacity and competitive positioning across products and channels.
Expanding Technology Platform & Crypto InitiativesA growing B2B technology platform and new payment/crypto products diversify recurring revenue beyond lending. Enterprise APIs, card/processing and stablecoin rails can create higher-margin, sticky revenue and network effects that persist as fintechs and banks outsource core payments and ledger services.
Marked Improvement In Balance Sheet ResilienceSubstantially reduced leverage and a larger equity base increase financial flexibility and regulatory cushion. Improved capital ratios and deposit growth underpin capacity to fund lending, absorb credit stress, and invest in product expansion without immediate reliance on dilutive equity or costly emergency financing.
Bears Say
Persistently Negative Operating & Free Cash FlowChronic cash burn undermines earnings quality and forces dependence on external funding or equity issuance to sustain growth. Until operating cash flow turns positive, the company faces structural funding and liquidity risk under tighter credit conditions or slower capital markets, limiting durability.
Elevated Loan Losses And Credit SensitivityRising charge-offs show sensitivity to borrower stress and macro cycles; higher credit costs can compress net interest margins and require larger provisions. Persistent credit volatility reduces predictability of earnings and forces more conservative underwriting or higher capital buffers over the medium term.
Technology Platform Customer Concentration RiskLoss of a large platform client highlights concentration and revenue volatility risk in the B2B segment. Enterprise client turnover can materially swing contribution profit and slow scaling of recurring revenue, challenging the structural predictability and valuation of the technology business until client diversification improves.
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 62 days.
How were Sofi Technologies Inc’s earnings last quarter?
Sofi Technologies Inc released its earnings results on Nov 10, 2021. The company reported -$0.05 earnings per share for the quarter, beating the consensus estimate of -$0.14 by $0.09.
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 -$0.05 in its last earnings report, beating expectations of -$0.14. 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 $1.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 1.2%
Last 30 Days ▲ 1.2%
News Sentiment
Bullish
Bullish news 79%
Bearish news 12%
Bearish news 12%
Technicals
SMA
Negative
20 days / 200 days
Momentum
29.77%
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
65.10% Public Companies and Individual Investors