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SOFI
SoFi Technologies, Inc.
$15.85
0.22
(1.41%)
[ms_data_label text=’Delayed data’]
| Exchange: | NASDAQ |
| Market Cap: | 20.213B |
| Shares Outstanding: | 100.625M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Anthony J. Noto | |||||
| Full Time Employees: | 5000 | |||||
| Address: |
| |||||
| Website: | https://www.sofi.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,897,542 | 3,703,678 | 4,769,597 |
| Gross Profit | 2,053,270 | 2,580,630 | 3,278,116 |
| EBITDA | -99,742 | 436,843 | 1,916,251 |
| Operating Income | -301,158 | 233,345 | 1,682,100 |
| Net Income | -300,742 | 498,665 | 481,320 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 30,074,858 | 36,250,951 | 50,660,478 |
| Total Liabilities | 24,519,872 | 29,725,817 | 40,170,983 |
| Total Stockholders Equity | 5,554,986 | 6,525,134 | 10,489,495 |
| Total Debt | 5,362,633 | 3,204,210 | 1,815,682 |
| Cash and Cash Equivalents | 3,085,020 | 2,538,293 | 4,929,452 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | -7,227,139 | -1,119,807 | -3,742,458 |
| Capital Expenditure | -121,192 | 0 | -242,444 |
| Free Cash Flow | -7,348,331 | -1,119,807 | -3,984,902 |
| Net Income | -300,742 | 0 | 481,320 |
| Net Change in Cash | 1,769,276 | -906,218 | -2,709,360 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 6,903,914.873 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 8,677,925.056 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 7,684,556.887 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 5,260,016.534 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 6,611,615.310 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 5,854,779.067 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,436,728.093 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,933,516.862 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,655,336.682 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 3,679,636.102 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 4,625,144.851 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 4,095,701.275 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.320 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.150 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Record Financial Performance: SoFi Technologies reported record financial results in Q4 and full-year 2024, as highlighted in the earnings call transcript. Strong revenue growth, improved net income, and positive free cash flow trends demonstrate robust operational execution and financial health.
- Diversified Business Model: The earnings call emphasized a diversified revenue stream across lending, financial services, and technology platforms, reducing reliance on any single segment. This diversification supports resilience against market fluctuations within specific product categories.
- Innovation and Brand Investment: Significant investments in technology and brand-building initiatives, as noted in the Q4 2024 earnings call, position SoFi as a forward-thinking player in the fintech space, enhancing customer acquisition and retention.
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At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about SOFI valuation
Is SoFi Technologies, Inc. (SOFI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for SoFi Technologies, Inc. (SOFI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SOFI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SOFI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SOFI’s P/E ratio?
You can see SOFI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SOFI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SOFI a good long-term investment?
Whether SOFI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SOFI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
[ms_data_label text="Daily snapshot"]
1.41
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 8.6 | Year High: | 32.73 | |
| Price Avg 50: | 19.35 | Price Avg 200: | 23.82 | |
| Volume: | 52.657M | Average Volume: | 67.399M |
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Login — it's freeSOFI full analysis
YouTube Video Transcript: Comprehensive Stock Analysis of SoFi Technologies (SOFI) Hey everyone, welcome back to the channel! I’m thrilled to dive into a comprehensive stock analysis of SoFi Technologies, ticker symbol SOFI, today. If you’re looking to understand this fintech disruptor and whether it’s a potential addition to your portfolio, you’re in the right place. We’re going to break down everything from their business model to financials, valuation, recent performance, and much more. So, grab a coffee, hit that like…
