SoFi Technologies, Inc. (SOFI)

NMS: SOFI · USD

$18.4

+0.28 (+1.6%)· Recorded snapshot

Coverage state: Latest published research available

Market snapshot recorded 2026-08-08 02:00 UTC. Latest published research analyzed 2026-05-19 · stale · sources unverified. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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StockMarketAgent Research · Analyzed 2026-05-19

Our latest published analysis: SOFI rated Sell

SOFI is rated Sell at $15.23 versus the reconciled fair value midpoint of $10.02, implying -34.21% upside/downside. Confidence is separately disclosed at 81/100.

Fair value (mid)

$10.0 / share

$3.54 – $18.1

Upside to FV

-34.2%

from $18.4

Confidence

81/100

Moat

6.5/10

Market cap	$19.5B
Revenue (ttm)	4.3B
Net income (ttm)	636.3M
EPS (ttm)	$0.47
Shares out	1.3B
P/E (trailing)	38.7x
P/E (forward)	19.5x
Volume	51,642,407
Beta	2.20
Price target	$19.9	+8.1%

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 4.3B
Net income (ttm): 636.3M
EPS (ttm): $0.47
P/E (trailing): 38.7x
P/E (forward): 19.5x
Market cap: $19.5B

Item	P1	P2	P3	P4	Trend
Period	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$1.57B	$2.11B	$2.61B	$3.61B	+31.9%
Gross profit	—	—	—	—	—
Operating income	—	—	—	—	—
Net income	$-320.4M	$-300.7M	$498.7M	$481.3M	—
EPS (diluted)	$-0.40	$-0.36	$0.39	$0.39	—
EBITDA	—	—	—	—	—
R&D	—	—	—	—	—
SG&A	$1.12B	$1.23B	$1.40B	$1.80B	+17.2%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	230.2B	20.7x	3.2x	11.9%	+13.2%	+15.8%	Reduce
BAC	Bank of America Corporation	447.5B	14.8x	3.9x	—	+5.6%	+42.1%	Reduce
BK	The Bank of New York Mellon Corporation	—	—	—	—	—	—	Reduce

All SOFI indicators

Market & fundamental data

Available fields

221

Groups with data

Currency

USD

Showing 221 of 221 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001818874
Company name	SoFi Technologies, Inc.
Country	United States
Country code	US
Cusip	83406F102
Employees	6,100
Employees Change	1,100%
Employees Change Percent	22
Enterprise value	$23.8B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Credit Services
Industry PE	22.69
Industry PE Fwd	19.02
Isin	US83406F1021
Last refreshed	2026-08-08
Market cap	$23.7B
Market cap category	Large-Cap
Price	$18.38
Price currency	USD
Rev Per Employee	699,744.1x
Sector	Financials
Sector PE	17.18
Sector PE Fwd	14.71
Sic	6199
Symbol	SOFI
Website	https://www.sofi.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	2.68%
EV Earnings	37.39x
EV Sales Forward	4.37x
EV/Sales	5.57x
FCF yield	-26.69%
Forward P/E	25.03x
P/B ratio	2.14x
P/E ratio	38.71x
P/S ratio	5.56x
PE Ratio3 Y	41.55x
PEG ratio	0.65x
PS Forward	4.36x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross margin	83.73%
Gross Profit	$3.6B
Net Income	$636.3M
Net Income Growth	13.3%
Net Income Growth Q	61%
Net Income Growth Quarters	1%
Net Income Growth Years	0%
Pretax Margin	17.28%
Profit Margin	14.91%
Profit Per Employee	$104,306
Profitable Quarters	$10
Profitable Years	2
ROA	1.25
Roa5y	-1.27
ROE	7.09
Roe5y	-2.04
ROIC	4.68
Roic5y	-0.44

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	-14.36%
Cagr3y	24.6%
Cagr5y	1.92%
EPS Growth	-2.4
EPS Growth Q	43.82
EPS Growth Quarters	1
EPS Growth Years	0
Revenue Growth	40.9x
Revenue Growth Q	42.61x
Revenue Growth Quarters	21x
Revenue Growth Years	7x
Revenue Growth3 Y	33.39x
Revenue Growth5 Y	39.81x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.08
Assets	$60.9B
Cash	$3.4B
Debt	$3.4B
Debt Equity	$0.31
Equity	$11.1B
Liabilities	$49.9B
Net Cash	$-48.9M
Net Cash By Market Cap	$-0.21
Net Debt Equity	$0
Tangible Book Value	$9.4B
Tangible Book Value Per Share	$7.3
WACC	14.31

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.11
Quick ratio	0.46
Working Capital	$4.9B
Working Capital Turnover	$0.87

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-14.49%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	-14.35%
200-day SMA	21.08
3Y total return	93.47%
50-day SMA	17.44
50-day SMA vs 200-day SMA	50under200
5Y total return	9.99%
All Time High	32.73
All Time High Change	-43.84%
All Time High Date	2025-11-12
All Time Low	4.24
All Time Low Change	333.49%
All Time Low Date	2022-12-07
ATR	0.88
Beta	2.2
Beta1y	2.62
Beta2y	2.46
Ch YTD	-29.79
High	18.54
High52	32.73
High52 Date	2025-11-12
High52ch	-43.84%
Low	18.03
Low52	14.88
Low52 Date	2026-07-29
Low52ch	23.52%
Ma50ch	5.4%
Premarket Change Percent	1.66
Premarket Price	$18.4
Premarket Volume	759,362
Price vs 200-day SMA	-12.81%
RSI	56.52
RSI Monthly	52.2
RSI Weekly	49.35
Sharpe ratio	-0.05x
Sortino ratio	0.03
Total Return	-14.49%
Tr YTD	-29.79
Tr1m	-1.24%
Tr1w	12.69%
Tr3m	12.76%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	23
Analyst Count Top	11
Analyst Price Target Top	$21.11
Analyst Ratings	Hold
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.11
Earnings EPS Estimate Growth	37.5
Earnings Revenue Estimate	1,113,289,248x
Earnings Revenue Estimate Growth	29.72x
Operating Income	$737.7M
Operating Income Growth	133.2
Operating Income Growth Q	82.11
Operating margin	17.28
Price target	$19.87
Price Target Change	$8.11
Price Target Change Top	$14.85

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1,270,344,858%
Float Percent	98.36%
Net Borrowing	-1,241,005,000
Shares Insiders	1.49%
Shares Institutions	56.03%
Shares Out	1,291,570,324
Shares Qo Q	-1.89%
Shares Yo Y	14.49%
Short Float	14.64%
Short Ratio	2.13
Short Shares	14.4

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$-6.6B
Adjusted OCF	-6,349,268,000
Average Volume	81,343,690.8x
Bv Per Share	8.58
CAPEX	$-257.4M
Ch1m	-1.24
Ch1w	12.69
Ch1y	-14.35
Ch3m	12.76
Ch3y	93.47
Ch5y	9.99
Ch6m	-11.89
Change	1.55%
Change From Open	-0.43
Close	18.1
Days Gap	1.99
Dollar Volume	949,187,440.7
Earnings Date	2026-07-29
Earnings Time	bmo
EPS	$0.47
F Score	4
FCF	$-6.3B
FCF EV Yield	-26.64x
FCF Per Share	$-4.91
Financing CF	18,135,287,000
Fiscal Year End	December
Founded	2,011
Goodwill	1,425,015,000
Graham Number	9.57695
Graham Upside	-47.89
Income Tax	$101.5M
Investing CF	-8,781,612,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-07-29
Last Report Date	2026-06-30
Last Split Type	Never
Last10k Filing Date	2026-02-17
Ma150	18.74
Ma150ch	-1.94%
Ma20	17.36
Ma20ch	5.91%
Net CF	850,956,000
Next Earnings Date	2026-10-27
Open	18.46
Optionable	Yes
Position In Range	68.63
Post Close	18.38
Postmarket Change Percent	-0.16
Postmarket Price	$18.35
Ppne	582,861,000
Pre Close	18.1
Price Date	2026-08-07
Ptbv Ratio	2.52
Relative Volume	0.63x
Revenue	4,268,439,000x
SBC By Revenue	6.65x
Share Based Comp	283,923,000
Tax By Revenue	2.38x
Tax Rate	13.76%
Tr6m	-11.89%
Us State	California
Views	1,244
Volume	51,642,407

Frequently asked questions

About this SOFI report

What is the latest published SOFI stock rating?

SoFi Technologies, Inc. is shown with sell in the latest published report, analyzed 2026-05-19. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full SOFI analysis?

The full latest published report, analyzed 2026-05-19, lives at /stocks/SOFI/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair-value range is used for SOFI?

The latest published report analyzed 2026-05-19 frames SOFI around USD 4 to USD 18. This is a dated valuation range, not a live market price; check the valuation, sensitivity, and bear-case tabs before making a decision.

How often is the SOFI page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-05-19). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

SoFi Technologies, Inc. (SOFI)

Coverage state: Latest published research available

Generate a fresh SOFI analysis

Our latest published analysis: SOFI rated Sell

Price

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Fair-value bridge

Analyst consensus

Latest news · SOFI

Valuation

Profitability

Balance sheet

Trading

Position sizing & entry playbook

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Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

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