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SoFi Technologies, Inc. key statistics and ratios

In fiscal 2025, SoFi Technologies, Inc. had return on equity of 5.7% and a net margin of 13.3%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−54.1%−39.6%−49.1%−20.4%−14.2%18.6%13.3%14.8%
Return on equity——−22.7%−6.7%−5.8%8.5%5.7%5.9%
Return on assets—−2.6%−5.5%−2.3%−1.2%1.5%1.1%1.1%
Effective tax rate——————8.5%13.8%
R&D as % of revenue33.3%35.6%28.0%25.8%24.1%20.6%17.9%16.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

32 /100

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.

  • Returns on capital 0 / 20

    Net income has been a median -0.6% of total assets over 6 years.

  • Pricing power 18 / 20

    Gross margin has been a median 82.0%, moving by 4.1 percentage points (standard deviation) across 6 years.

  • Durability 10 / 20

    Net margin has been a median -7.7%; its worst year was -49.9%.

  • Cash conversion 2 / 20

    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).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: FCFS vs SOFIBFH vs SOFISOFI vs UPBDOMF vs SOFI

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from SoFi Technologies, Inc.'s SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to SoFi Technologies, Inc.