Digital financial services company offering consumer lending, banking, investing, credit cards, and financial technology platform services.
Profile & Fundamentals
SoFi: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.
Profile & Fundamentals
SoFi Profile & Fundamentals
Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.
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Company and Market Context
Company Profile & Ownership
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
Company profile record
SoFi Technologies Inc.
Common Stock · Financials · Consumer Finance
Company
- Company / asset
- SoFi Technologies Inc.
- Security type
- Common Stock
- Sector
- Financials
- Industry
- Consumer Finance
- HQ
- 🇺🇸 United States
- Head office
- 234 1st Street, San Francisco, CA, United States, 94105
Leadership & scale
- Chief executive
- Mr. Anthony J. Noto
- CEO year born
- 1969
- Full-time employees
- 6.1K
- Fiscal year end
- December
- IPO date
- 2020-11-30
Fundamentals snapshot
- Market Cap
- USD 21.3B
- P/E
- 33.5x
- Revenue (Q2 26)
- USD 1.6B
- Profit (Q2 26)
- USD 156.6M
- Dividend Yield
- --
- Revenue (FY 25)
- USD 4.8B
- Shares in public float
- 1.3B
- Insider ownership
- 1.45%
Reporting & identifiers
- Symbol
- SOFI.NASDAQ
- Listing
- 🇺🇸 United States | Dividend Tax: 30%
- Ticker Currency
- USD
- Income Statement Currency
- USD
- Balance Sheet Currency
- USD
- Cash Flow Currency
- USD
- EPS Currency
- USD
- Contract Type
- SPOT
- ISIN
- US83406F1021
- Asset ID
- equity_5b81b0a3-3ccd-5ea0-9f2b-47d3c5e6b90c
Ownership
Shares Outstanding
Latest: 1.4B | Max: 1.4B | Min: 696.9M
Latest reported ownership snapshot
As of Oct 1, 2026Float Shares
94.03%
1.3B latest reported shares
Insider Ownership
1.45%
Latest reported insider stake
Short Float
0.15%
Latest reported short interest / float
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
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| Reporting date | Shares outstanding |
|---|---|
| 2019-01-01 | 696,915,600 |
| 2020-01-01 | 696,915,600 |
| 2021-01-01 | 814,507,200 |
| 2022-01-01 | 922,936,500 |
| 2023-01-01 | 1,029,303,300 |
| 2024-01-01 | 1,151,047,000 |
| 2025-01-01 | 1,346,110,000 |
| 2026-01-01 | 1,351,990,000 |
Top Holders
Available reported ownership records.
No reported records are available in this preview.
Earnings, Profitability & Valuation
Earnings, Profitability & Valuation
Earnings & Revenue
Earnings and Revenue Trajectory
AI Review
The company has orchestrated a powerful financial turnaround, moving from multi-million-dollar startup losses into consistent GAAP profitability. Trailing twelve-month net income reached $636 million on $5.58 billion in revenue, propelled by strong member onboarding and record personal loan originations. Crucially, the underlying quality of earnings is transforming as the company shifts toward capital-light fees. While headline cash flow appears negative due to standard banking rules that treat loan originations as cash outflows, operational earnings are fully self-funding and no longer dependent on outside financing.
The company has orchestrated a powerful financial turnaround, moving from multi-million-dollar startup losses into consistent GAAP profitability. Trailing twelve-month net income reached $636 million on $5.58 billion in revenue, propelled by strong member onboarding and record personal loan originations. Crucially, the underlying quality of earnings is transforming as the company shifts toward capital-light fees. While headline cash flow appears negative due to standard banking rules that treat loan originations as cash outflows, operational earnings are fully self-funding and no longer dependent on outside financing.
Revenue, Net Income, and Free Cash Flow
Latest: USD 4.8B | Max: USD 4.8B | Min: USD -7.4B
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 73x
Profitability & Margins
Margins and Operating Efficiency
AI Review
Profitability margins have undergone a dramatic structural transformation, shifting from deep operating deficits into consistent double-digit profitability. Operating margins expanded to eleven percent in fiscal 2025, supported by a robust net interest margin near six percent funded by sticky direct deposits. The core driver of margin expansion is powerful cross-selling leverage: existing members adopt new products at virtually zero incremental marketing expense. While credit loss provisioning and competitive deposit yields cap near-term margins near fifteen percent, scaling fee-based platform revenues protects profitability against economic volatility.
Profitability margins have undergone a dramatic structural transformation, shifting from deep operating deficits into consistent double-digit profitability. Operating margins expanded to eleven percent in fiscal 2025, supported by a robust net interest margin near six percent funded by sticky direct deposits. The core driver of margin expansion is powerful cross-selling leverage: existing members adopt new products at virtually zero incremental marketing expense. While credit loss provisioning and competitive deposit yields cap near-term margins near fifteen percent, scaling fee-based platform revenues protects profitability against economic volatility.
Profitability Margins
Latest: 75.1% | Max: 100.0% | Min: -54.1%
Latest Profitability Ratios as of 2025-12-31
Gross Margin
75.1%
Gross profit / revenue
Operating Margin
11.0%
Operating income / revenue
Net Margin
10.1%
Net income / revenue
FCF Margin
-83.5%
Free cash flow / revenue
Source tablesView earnings, profitability & valuation tables
Revenue, Net Income, and Free Cash Flow
Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.
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| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2017-12-31 | 824,626,000 | 49,772,000 | 65,206,000 |
| 2018-12-31 | 599,953,000 | -252,399,000 | 1,009,548,000 |
| 2019-12-31 | 442,659,000 | -239,697,000 | -92,323,000 |
| 2020-12-31 | 751,138,000 | -224,053,000 | -503,885,000 |
| 2021-12-31 | 1,087,648,000 | -483,937,000 | -1,402,478,000 |
| 2022-12-31 | 1,762,810,000 | -320,407,000 | -7,359,591,000 |
| 2023-12-31 | 2,051,067,000 | -300,742,000 | -7,348,331,000 |
| 2024-12-31 | 2,612,342,000 | 498,665,000 | -1,283,424,000 |
| 2025-12-31 | 4,769,597,000 | 481,320,000 | -3,984,902,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
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| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-12-31 | 73.22 | Trailing four quarters |
| 2024-12-31 | 35.55 | Trailing four quarters |
Profitability Margins
Matching annual reporting dates. Values are percentages.
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| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2017-12-31 | 61.45 | 6.99 | 6.04 | 7.91 |
| 2018-12-31 | 44.9 | -42.23 | -42.07 | 168.27 |
| 2019-12-31 | 100 | -54.13 | -54.15 | -20.86 |
| 2020-12-31 | 75.29 | -43.74 | -29.83 | -67.08 |
| 2021-12-31 | 89.85 | -44.24 | -44.49 | -128.95 |
| 2022-12-31 | 86.18 | -18.08 | -18.18 | -417.49 |
| 2023-12-31 | 100 | -14.64 | -14.66 | -358.27 |
| 2024-12-31 | 100 | 32.91 | 19.09 | -49.13 |
| 2025-12-31 | 75.12 | 11.03 | 10.09 | -83.55 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-29.
Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.
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