SoFi Technologies, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.
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~$7.4
Valuation models combined (3)
Base case. Range ~$6.6–$8.7. Weighted average of 3 models (price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers).
Overvalued
The price is above our entire value range; our base value is 55% below it.
Price used: $16.60, November 2, 2026
SoFi Technologies, Inc. valuation: adjust assumptions and compare models →
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $610m, up 9.2% on a year earlier, slower than 15.3% a quarter earlier. The diluted share count is up 15.1% on a year earlier, which dilutes existing holders. Our valuation models combined value is $13.81 a share, against a share price of $14.82.
Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
SoFi Technologies, Inc.'s trailing-twelve-month revenue grew 40.8% year on year, with a free-cash-flow margin of -204.2%. Where it stands out: revenue growth of 40.8% ranks 7 of 39 consumer finance companies we cover. Where it lags: stock pay as % of revenue of 6.6% ranks 34 of 36 consumer finance companies we cover.
Current signal Net income rising while operating cash flow falls: TTM net income grew 13.3% while operating cash flow fell 201.6% — earnings and cash are telling different stories.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Third-party market data · may be delayed
Company announcements, filed results and changes that matter to shareholders.
SoFi’s results and higher guidance are the clearest explanation for the move. The company reported record third-quarter revenue and raised its outlook; the share rise was far larger than its usual daily move.
SoFi Technologies, Inc. reports on Tuesday 27 October, before the market opens. Analysts expect full-year EPS of $0.59; these are the numbers and trends the report will test.
The company also guided to annual adjusted net revenue growth of 32.00 to 35.00 for the the full year; adjusted ebitda of $1.60bn for the the full year.
We value SoFi Technologies, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 10.7%: the 10-year Treasury yield (4.9%) plus a beta of 1.29 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$1.5 ~$0.9–$2.4 | Left out: out of range vs price (0.09x) |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: return on equity below long-run growth |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$6.6 ~$2.0–$11 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$6.9 ~$9.0–$13 | Included |
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$8.7 ~$8.2–$10 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: pays no regular dividend |
| Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$7.4 ~$6.6–$8.7 | 3 models |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare SoFi Technologies, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Weak moat
How hard SoFi Technologies's competitive advantage looks for rivals to wear away, judged from 6 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median -0.6% of total assets over 6 years.
Gross margin has been a median 82.0%, moving by 4.1 percentage points (standard deviation) across 6 years.
Net margin has been a median -7.7%; its worst year was -49.9%.
Free cash flow was positive in 1 of 6 years, at a median -160.8% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (37 before it).
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $0.60 | +61% | $5.0bn | +40% |
| Next | $0.89 | +48% | $6.4bn | +27% |
Next year's EPS estimate has moved +10.0% in 90 days, across 9 analysts.
The consensus EPS forecast for the current fiscal year is +1.9% on 90 days ago. In the last 30 days, 0 analysts raised SoFi Technologies, Inc.'s forecast and 3 cut it.
Average of analysts' published estimates (third-party data).
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $0.59 | $0.81 |
| 60 days ago | $0.60 | $0.82 |
| 30 days ago | $0.59 | $0.82 |
| 7 days ago | $0.59 | $0.82 |
| Now | $0.60 | $0.89 |
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Sept 2026 | $0.17 | $0.18 | +7.4% |
| Jun 2026 | $0.11 | $0.12 | +9.9% |
| Mar 2026 | $0.12 | $0.12 | −4.2% |
| Dec 2025 | $0.11 | $0.12 | +8.7% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months −44.1%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $3.1bn | $4.3bn | +40.8% |
| Net margin | 18.4% | 14.8% | −19.5% |
| P/E multiple | 61.7x | 35.0x | −43.2% |
| Share count | 1167m | 1342m | −13.1% |
Biggest factor: p/e multiple.
Last 3 years +107.2%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $1.9bn | $4.3bn | +132.6% |
| P/S multiple | 4.0x | 5.2x | +29.0% |
| Share count | 927m | 1342m | −31.0% |
Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.
| Calendar year | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|
| Return | |||||
| SOFI | −71% | +116% | +55% | +70% | −37% |
| Industry peers (median) | −33% | +12% | +19% | +20% | +1% |
| S&P 500 | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | |||||
| SOFI | 25% | 50% | 50% | 75% | 36% |
| S&P 500 | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | |||||
| SOFI | −73% | −42% | −37% | −47% | −51% |
| S&P 500 | −25% | −10% | −8% | −19% | −9% |
Worst fall since January 4, 2021: 83% from February 1, 2021 to December 7, 2022. Getting back needed a 500% gain, reached on August 25, 2025, 992 days after the low.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 27, 2026 | +18.5% | +0.9% | — | — |
| July 29, 2026 | −1.6% | +0.1% | +9.0% | +14.6% |
| April 29, 2026 | −12.3% | +1.0% | −11.2% | −0.8% |
| January 30, 2026 | −9.4% | +0.2% | −14.4% | −23.6% |
| October 28, 2025 | +3.0% | +0.3% | −2.1% | −5.0% |
| July 29, 2025 | +4.0% | −0.4% | +2.5% | +18.7% |
| April 29, 2025 | −5.2% | +0.7% | −3.6% | −0.2% |
| January 27, 2025 | −9.8% | −0.6% | −14.1% | −19.3% |
| October 29, 2024 | +0.3% | −0.1% | +2.1% | +44.1% |
| July 30, 2024 | +2.9% | +1.1% | −12.3% | +2.2% |
| April 29, 2024 | −13.9% | −1.2% | −9.0% | −13.0% |
| January 29, 2024 | +10.2% | +0.7% | −0.5% | +16.3% |
How SoFi Technologies, Inc.’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.
Option prices imply less movement than the shares have recently shown. Selling options pays little for the risk taken.
Our rule for “rich”: implied at least 1.2× 60-day realised (beyond measurement noise), above 1-year realised (not just a calm spell), and in the top 20% of our coverage that day. Never with results inside the option’s life. These are our conventions, built on research showing option prices usually imply more movement than follows, most when the gap is wide. How we judge this.
Not offered: rated Sell.
We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.
Own 100 shares, sell the $19.00 call expiring December 4, 2026 (32 days) for $0.24 a share — $24.00 per contract.
Previous session · Bid $0.24, ask $0.25, quoted Mon 2 Nov, 17:36 New York time with SOFI at $16.82. Option prices move with the shares: check the live chain at your broker before trading.
Own the shares, buy the $15.50 put and sell the $19.00 call, both expiring December 4, 2026 (32 days).
Offered because the shares trade at or above our fair value of $7.40: a way to hold on with a floor under the price, paid for by giving up upside the model does not expect. Strikes near 25-delta; the put at its ask and the call at its bid. Protection has a cost over time: research on protective puts finds they have usually lowered returns.
General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q3 | $2B |
| FY23 Q4 | $2.1B |
| FY24 Q1 | $2.3B |
| FY24 Q2 | $2.4B |
| FY24 Q3 | $2.6B |
| FY24 Q4 | $2.7B |
| FY25 Q1 | $2.8B |
| FY25 Q2 | $3.1B |
| FY25 Q3 | $3.3B |
| FY25 Q4 | $3.6B |
| FY26 Q1 | $3.9B |
| FY26 Q2 | $4.3B |
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q3 | 40.0% |
| FY23 Q4 | 34.9% |
| FY24 Q1 | 33.8% |
| FY24 Q2 | 29.5% |
| FY24 Q3 | 30.1% |
| FY24 Q4 | 26.0% |
| FY25 Q1 | 22.0% |
| FY25 Q2 | 27.6% |
| FY25 Q3 | 30.0% |
| FY25 Q4 | 35.1% |
| FY26 Q1 | 40.7% |
| FY26 Q2 | 40.8% |
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q3 | -483.6% |
| FY23 Q4 | -345.7% |
| FY24 Q1 | -191.5% |
| FY24 Q2 | -117.3% |
| FY24 Q3 | -51.4% |
| FY24 Q4 | -47.6% |
| FY25 Q1 | -71.8% |
| FY25 Q2 | -98.8% |
| FY25 Q3 | -95.4% |
| FY25 Q4 | -110.3% |
| FY26 Q1 | -160.7% |
| FY26 Q2 | -204.2% |
What SoFi Technologies earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $3.4B | |
|---|---|---|
| Fee and other income | $1.4B | 38.6% of revenue |
| Interest paid | $1.2B | |
| Net interest income | $2.2B | 61.4% of revenue |
| Revenue | $3.6B | |
| Non-interest expense | $3.1B | 84.6% of revenue |
| Credit-loss provisions | $30.3M | 0.8% of revenue |
| Pre-tax profit | $526M | 14.6% of revenue |
| Income tax | $44.5M | 1.2% of revenue |
| Net income | $481M | 13.3% of revenue |
| Fiscal year | 2019 Dec 2019 | 2020 Dec 2020 | 2021 Dec 2021 | 2022 Dec 2022 | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 443 | 566 | 985 | 1,574 | 2,123 | 2,675 | 3,613 | 4,306 |
| Gross profit | 326 | 387 | 728 | 1,260 | 1,743 | 2,213 | 3,004 | 3,611 |
| Net income | −240 | −224 | −484 | −320 | −301 | 499 | 481 | 636 |
| Diluted EPS | −$4.02 | −$4.30 | −$1.00 | −$0.40 | −$0.36 | $0.39 | $0.39 | $0.47 |
| Growth (year on year) | ||||||||
| Revenue | — | +27.8% | +74.1% | +59.8% | +34.9% | +26.0% | +35.1% | +40.8% |
| Net income | — | — | — | — | — | — | −3.5% | +13.3% |
| Diluted EPS | — | — | — | — | — | — | 0.0% | −1.5% |
| Margins | ||||||||
| Gross margin | 73.7% | 68.4% | 73.9% | 80.1% | 82.1% | 82.7% | 83.1% | 83.9% |
| Net margin | −54.1% | −39.6% | −49.1% | −20.4% | −14.2% | 18.6% | 13.3% | 14.8% |
| Free-cash-flow margin | −20.9% | −89.1% | −142.4% | −467.0% | −345.7% | −47.6% | −110.3% | −204.2% |
| Cash flow | ||||||||
| Cash from operations | −55 | −479 | −1,350 | −7,256 | −7,227 | −1,120 | −3,742 | −8,502 |
| Capital spending | 38 | 25 | 52 | 93 | 111 | 154 | 242 | 290 |
| Free cash flow | −92 | −504 | −1,402 | −7,349 | −7,339 | −1,274 | −3,985 | −8,793 |
| Stock-based pay | 61 | 100 | 239 | 306 | 271 | 246 | 262 | 284 |
| Free cash flow after stock pay | −153 | −604 | −1,641 | −7,655 | −7,610 | −1,520 | −4,247 | −9,077 |
| Balance sheet | ||||||||
| Cash | 499 | 873 | 495 | 1,422 | 3,085 | 2,538 | 4,929 | 3,126 |
| Total debt | 0 | 4,830 | 3,993 | 5,521 | 5,260 | 3,114 | 1,831 | 3,313 |
| Net debt (negative = net cash) | −499 | 3,958 | 3,499 | 4,099 | 2,175 | 576 | −3,099 | 187 |
| Diluted shares | 66m | 74m | 527m | 901m | 945m | 1,101m | 1,252m | 1,342m |
| Returned to shareholders | ||||||||
| Buybacks | 9 | 0 | 1 | 0 | 0 | — | — | — |
| Total returned | 9 | 0 | 1 | 0 | 0 | — | — | — |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 697 | 734 | 772 | 855 | 962 | 1,025 | 1,100 | 1,219 |
| Gross profit | 573 | 606 | 636 | 705 | 800 | 863 | 929 | 1,019 |
| Net income | 61 | 332 | 71 | 97 | 139 | 174 | 167 | 157 |
| Diluted EPS | $0.05 | $0.31 | $0.06 | $0.08 | $0.11 | $0.14 | $0.12 | $0.12 |
| Growth (year on year) | ||||||||
| Revenue | +29.8% | +19.3% | +19.7% | +42.8% | +37.9% | +39.6% | +42.6% | +42.5% |
| Net income | — | +593.9% | −19.2% | +458.9% | +129.5% | −47.8% | +134.4% | +61.0% |
| Diluted EPS | — | +675.0% | +200.0% | +700.0% | +120.0% | −54.8% | +100.0% | +50.0% |
| Margins | ||||||||
| Gross margin | 82.3% | 82.5% | 82.4% | 82.4% | 83.2% | 84.2% | 84.4% | 83.6% |
| Net margin | 8.7% | 45.3% | 9.2% | 11.4% | 14.5% | 16.9% | 15.2% | 12.8% |
| Free-cash-flow margin | −174.6% | −33.0% | −4.0% | −179.0% | −142.0% | −103.2% | −216.5% | −327.2% |
| Cash flow | ||||||||
| Cash from operations | −1,174 | −200 | 22 | −1,467 | −1,306 | −991 | −2,315 | −3,890 |
| Capital spending | 43 | 42 | 53 | 63 | 60 | 66 | 68 | 97 |
| Free cash flow | −1,217 | −242 | −31 | −1,530 | −1,366 | −1,058 | −2,383 | −3,987 |
| Stock-based pay | 64 | 66 | 64 | 63 | 66 | 69 | 72 | 77 |
| Free cash flow after stock pay | −1,281 | −309 | −95 | −1,594 | −1,432 | −1,126 | −2,455 | −4,064 |
| Last 12 months unless stated | SOFI | FCFS | BFH | UPBD | ENVA | OMF | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $4.3bn | $4.3bn | $4.0bn | $4.7bn | $3.7bn | $5.2bn | $1.6bn |
| Revenue growth, last 12 months | 40.8% | 22.9% | 5.5% | 3.2% | 20.1% | 8.8% | 10.4% |
| Revenue growth, 3-year average | 32.5% | 12.0% | −2.4% | 6.0% | 21.8% | 7.1% | 11.3% |
| Revenue growth, latest quarter | 42.5% | 17.7% | 4.7% | −1.6% | 25.7% | 10.0% | 10.6% |
| Gross margin | 83.9% | 50.2% | 51.6% | 49.7% | 60.6% | — | 58.0% |
| Operating margin | — | — | 37.6% | 5.5% | 24.0% | — | 11.2% |
| Operating margin, 3-year average | — | — | 27.9% | 5.7% | 22.8% | — | 19.8% |
| Net margin | 14.8% | 9.5% | 13.4% | 2.4% | 10.5% | 14.7% | 10.5% |
| Cash from operations / revenue | −197.5% | 15.8% | 54.7% | 10.6% | 56.2% | 61.7% | 22.7% |
| Free-cash-flow margin | −204.2% | 10.0% | 52.8% | 9.2% | 54.9% | 55.9% | 18.4% |
| Free-cash-flow margin, 3-year average | −140.1% | 10.9% | 50.6% | 4.8% | 55.3% | 55.4% | 23.6% |
| Stock pay / revenue | 6.6% | 0.5% | 1.5% | 0.5% | 1.0% | 0.7% | 1.3% |
| Change in share count | 15.1% | −1.6% | −13.2% | 1.2% | −1.8% | −2.5% | −0.8% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 40.8% | 10.4% | 7 of 39 |
| Change in growth rate Growth | +0.1pp | +0.6pp | 20 of 38 |
| Net margin Profitability | 14.8% | 10.5% | 13 of 39 |
| Stock pay as % of revenue Cash generation | 6.6% | 1.3% | 34 of 36 |
| Change in share count Balance sheet | 15.1% | -0.0% | 32 of 38 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Line of business | Revenue | Share | YoY |
|---|---|---|---|
| Technology Platform | $361M | 58.3% | ▲ 2.6% |
| Financial Services | $259M | 41.7% | ▲ 70.7% |
From SoFi Technologies, Inc.'s 10-K filed February 17, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $1.3B | 72.4M | 11.1% | ▲ 4.2% |
| Vanguard Capital Management LLC | $1B | 57.9M | 8.9% | ▲ 1.4% |
| Vanguard Portfolio Management LLC | $910M | 50.7M | 7.8% | ▼ 0.5% |
| Goldman Sachs Group Inc | $631M | 35.2M | 5.4% | ▲ 180.9% |
| UBS Group AG | $631M | 35.2M | 5.4% | ▼ 3.4% |
| State Street Corp | $516M | 28.8M | 4.4% | ▲ 5.3% |
| Geode Capital Management, LLC | $418M | 23.4M | 3.6% | ▼ 10.1% |
| Morgan Stanley | $350M | 19.5M | 3.0% | ▼ 8.2% |
| D. E. Shaw & Co., Inc. | $263M | 14.7M | 2.2% | ▼ 65.6% |
| Norges Bank | $244M | 13.6M | 2.1% | — |
| Marshall Wace, LLP | $210M | 11.7M | 1.8% | ▲ 79.4% |
| Millennium Management LLC | $188M | 10.5M | 1.6% | ▲ 27.1% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not SoFi Technologies, Inc.'s complete shareholder register. Values are as reported by the filers ; 7 inconsistently scaled filing rows were excluded.
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Keough Kelli EVP, GBUL, SIPS | October 20, 2026 | Sell pre-set plan | 10,203 | $14.72 | $150,215 |
| Rishel Jeremy Chief Technology Officer | September 21, 2026 | Sell pre-set plan | 18,624 | $17.50 | $325,920 |
| Keough Kelli EVP, GBUL, SIPS | September 21, 2026 | Sell pre-set plan | 10,203 | $16.99 | $173,349 |
| Keough Kelli EVP, GBUL, SIPS | August 20, 2026 | Sell pre-set plan | 11,286 | $18.00 | $203,148 |
| Keough Kelli EVP, GBUL, SIPS | July 20, 2026 | Sell pre-set plan | 10,954 | $17.19 | $188,299 |
| Keough Kelli EVP, GBUL, SIPS | June 22, 2026 | Sell pre-set plan | 10,954 | $17.35 | $190,052 |
| Lavet Robert S General Counsel | June 18, 2026 | Sell | 1,188 | $17.55 | $20,849 |
| Rishel Jeremy Chief Technology Officer | June 17, 2026 | Sell pre-set plan | 102,123 | $17.78 | $1.8M |
| Noto Anthony Chief Executive Officer | June 16, 2026 | Buy | 13,888 | $18.06 | $250,817 |
| Keough Kelli EVP, GBUL, SIPS | May 20, 2026 | Sell pre-set plan | 10,037 | $15.53 | $155,875 |
| Noto Anthony Chief Executive Officer | May 11, 2026 | Buy | 15,545 | $16.00 | $248,720 |
| Noto Anthony Chief Executive Officer | May 8, 2026 | Buy | 15,878 | $15.73 | $249,761 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
No trades in SoFi Technologies, Inc. disclosed in the last 12 months; 2 earlier trades on record.
Next expected around January 29, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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