SOFI SoFi Technologies

XNGS Down Alert

Financials

· How we analyze

About the company

SoFi Technologies, based in San Francisco, is an online bank with a US banking license. It offers personal loans, student loans, mortgages, accounts, credit cards and investing via app. Through Galileo and Technisys it also sells banking software to other companies. As of Oct 16, 2026

Fact sheet (from the annual report) Other financial services · San Francisco, USA

SoFi offers its members personal, student and home loans as well as accounts, a credit card, crypto and investing. The company, founded in 2011, operates mainly in the United States and abroad mostly through its technology division in Latin America, Canada and Switzerland. In the lending division, revenue comes from net interest income and from fees, for example for loan origination. The technology division provides financial institutions, government agencies and other companies, mainly in North and Latin America, with a platform for events and approvals and a banking platform for fees. In the loan platform business of the financial services division, partners acquire loans meeting their own criteria through the group’s platform for a fee per loan or are referred pre-screened borrowers.

Automatically summarized from SEC annual report (10-K, filed Feb 17, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 17, 2026

What the methods say about SoFi Technologies

Calculated automatically by fixed rules – not investment advice, check for yourself. How we analyze

Price performance at a glance

Last 30 trading days
  • Today +13.4%
  • 7 days +11.7%
  • 30 days −1.1%
  • 1 year −45.3%
Day range (last trading day)
−4.5%Price at 67% of the range+2.2%
52-week range
−15.5%Price at 14% of the range+99.6%
Distance from the all-time high
−49.9%

Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

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Symbol on TradingView: NASDAQ:SOFI

Fundamental analysis

SoFi Technologies · Sector Financials · amounts in USD

Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 17, 2026.

Quality checks

Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.

Fiscal year to Dec 31, 2025

Quality Profitability, consistency, balance sheet · 3 without data 1 of 5 criteria met Growth Revenue and earnings per share · 3 without data 4 of 4 criteria met Dividend Level, consistency, coverage · 6 without data 0 of 1 criteria met Financial strength Piotroski, debt, liquidity · 4 without data 1 of 2 criteria met

Quality 1 of 5 met · 3 without data

  • no data: Gross margin above 40% derived gross profit is below operating or net income – the cost tag does not fit
  • no data: Operating margin above 15% not stated in the SEC filings
  • met: Net margin above 10% 77.7%
  • not met: Return on equity above 15% 4.6%
  • not met: Free cash flow margin above 10% −643.4%
  • not met: Profit in each of the last 5 fiscal years 2 of 5
  • no data: Free cash flow positive in each of the last 3 fiscal years not stated in the SEC filings
  • not met: Equity ratio above 30% 20.7%
Net margin

77.7% Fiscal year 2025

Rank 99 of 100: higher than 99% of 237 peers (All). strong.

Rank 95 of 100: higher than 95% of 33 peers (Sector). strong.

Median Financials: 26.2%

Profit after all costs, interest and taxes divided by revenue.

Return on equity

4.6% Fiscal year 2025

Rank 21 of 100: higher than 21% of 218 peers (All). weak.

Rank 11 of 100: higher than 11% of 32 peers (Sector). weak.

Median Financials: 13.9%

Net income divided by equity at fiscal year end.

Return on assets

1.0% Fiscal year 2025 (total assets at year end)

Rank 21 of 100: higher than 21% of 238 peers (All). weak.

Rank 23 of 100: higher than 23% of 33 peers (Sector). weak.

Median Financials: 2.4%

Net income divided by total assets at fiscal year end.

Equity ratio

20.7% Fiscal year 2025

Rank 27 of 100: higher than 27% of 239 peers (All). weak.

Rank 53 of 100: higher than 53% of 33 peers (Sector). medium.

Median Financials: 18.2%

Equity as a share of total assets. Usually low for banks.

Free cash flow margin

−643.4% Fiscal year 2025

Rank 4 of 100: higher than 4% of 213 peers (All). weak.

Rank 7 of 100: higher than 7% of 23 peers (Sector). weak.

Median Financials: 25.8%

Free cash flow divided by revenue.

Free cash flow

−4.0B USD Fiscal year 2025

Operating cash flow minus capital expenditure on property and equipment.

Growth 4 of 4 met · 3 without data

  • met: Over 3 years, revenue grew by more than 5% per year +18.0%
  • met: Over 5 years, revenue grew by more than 5% per year +43.1%
  • no data: Over 10 years, revenue grew by more than 5% per year no comparable figures over 10 years
  • no data: Over 3 years, EPS grew by more than 5% per year not computable (loss in the first or last year, or figures missing)
  • no data: Over 5 years, EPS grew by more than 5% per year not computable (loss in the first or last year, or figures missing)
  • met: Revenue rose in at least 4 of the last 5 fiscal years 5 of 5
  • met: Revenue rose in the last fiscal year +23.1%
Revenue growth 3 years

+18.0% per year

Rank 74 of 100: higher than 74% of 230 peers (All). strong.

Rank 77 of 100: higher than 77% of 32 peers (Sector). strong.

Median Financials: +9.7%

Average growth per year over 3 fiscal years.

Revenue growth 5 years

+43.1% per year

Rank 91 of 100: higher than 91% of 217 peers (All). strong.

Rank 98 of 100: higher than 98% of 29 peers (Sector). strong.

Median Financials: +9.1%

Average growth per year over 5 fiscal years.

Dividend 0 of 1 met · 6 without data

  • not met: Pays a dividend no dividend per share reported for the last fiscal year
  • no data: Payout ratio at most 60% of earnings pays no dividend 0%
  • no data: Dividend paid in each of the last 5 fiscal years pays no dividend
  • no data: Dividend per share never lowered in the last 5 fiscal years pays no dividend
  • no data: Dividend per share higher than 5 years ago pays no dividend
  • no data: Free cash flow per share covers the dividend pays no dividend
  • no data: Dividends paid over the last 5 years covered by free cash flow pays no dividend
Payout ratio

0% Fiscal year 2025

Dividend per share divided by earnings per share.

Financial strength 1 of 2 met · 4 without data

  • no data: Piotroski F-Score at least 7 of 9 not meaningful for banks and insurers
  • no data: Long-term debt no higher than equity no long-term debt reported
  • no data: Current assets cover current liabilities not reported (usual for banks and insurers)
  • met: Positive equity 10.5B USD
  • no data: In 5 years, share count up by at most 5% no comparable share count 5 years ago
  • not met: Free cash flow positive in the last fiscal year −4.0B USD
Change in share count

+38.9% in 3 years

No rank: too few peers or not computed yet.

Change in diluted share count. Negative = share buybacks, positive = new shares.

Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.

Price-based criteria (P/E, dividend yield) are shown to signed-in users.

Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock. Rank 0–100 against the 239 stocks we cover and against the sector (from 5 peers); the stronger side is always on the right.

In short

  • Light green: Revenue grew over 5 years (+43.1% per year), at least as fast as the sector median.
  • Light green: Net margin 77.7%, above the sector median (19.4%).
  • Light red: Profit in 2 of 7 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 4.5M USD · Net income −239.7M USD · Net margin −5,303.0%
  2. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 103.3M USD · Net income −224.1M USD · Net margin −216.8%
  3. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 247.7M USD · Net income −483.9M USD · Net margin −195.4%
  4. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 377.1M USD · Net income −320.4M USD · Net margin −85.0%
  5. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 421.5M USD · Net income −300.7M USD · Net margin −71.4%
  6. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 503.1M USD · Net income 498.7M USD · Net margin 99.1%
  7. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 619.4M USD · Net income 481.3M USD · Net margin 77.7%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 619.4M USD · Net income 481.3M USD · Net margin 77.7%

Figures over time

Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.

Money flow in fiscal year 2025

Of 100 USD of revenue, 77.7 USD net income remained.

Money flow as a table
Fiscal year 2025, amounts in USD, share of revenue
ItemAmountof revenue
Revenue619.4M USD100.0%
Net income481.3M USD77.7%
Taxes44.5M USD7.2%
Remaining costs & other93.5M USD15.1%

Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.

Margins

The net margin rose in 4 years from −195.4% to 77.7%.

Net margin Margins above ±200% hidden (revenue very small relative to the result).
  1. Fiscal year 2019: Net margin not available
  2. Fiscal year 2020: Net margin not available
  3. Fiscal year 2021: Net margin −195.4%
  4. Fiscal year 2022: Net margin −85.0%
  5. Fiscal year 2023: Net margin −71.4%
  6. Fiscal year 2024: Net margin 99.1%
  7. Fiscal year 2025: Net margin 77.7%

Returns

Return on equity rose in 4 years from −11.1% to 4.6%.

Return on equityReturn on assets
  1. Fiscal year 2019: Return on equity not available · Return on assets not available
  2. Fiscal year 2020: Return on equity not available · Return on assets not available
  3. Fiscal year 2021: Return on equity −11.1% · Return on assets −5.3%
  4. Fiscal year 2022: Return on equity −6.2% · Return on assets −1.7%
  5. Fiscal year 2023: Return on equity −5.7% · Return on assets −1.0%
  6. Fiscal year 2024: Return on equity 7.6% · Return on assets 1.4%
  7. Fiscal year 2025: Return on equity 4.6% · Return on assets 1.0%

Equity and long-term debt

The equity ratio fell in 4 years from 47.7% to 20.7%.

EquityLong-term debt in USD Long-term debt, depending on the filing, includes the current portion or leases.
  1. Fiscal year 2019: Equity −339.1M USD · Long-term debt not available
  2. Fiscal year 2020: Equity not available · Long-term debt not available
  3. Fiscal year 2021: Equity 4.4B USD · Long-term debt 3.9B USD
  4. Fiscal year 2022: Equity 5.2B USD · Long-term debt 5.5B USD
  5. Fiscal year 2023: Equity 5.2B USD · Long-term debt not available
  6. Fiscal year 2024: Equity 6.5B USD · Long-term debt not available
  7. Fiscal year 2025: Equity 10.5B USD · Long-term debt not available

Share count

The share count rose in 4 years by 137.6% – more new shares were issued than repurchased (dilution).

Diluted share count
  1. Fiscal year 2019: Diluted share count 65.6M
  2. Fiscal year 2020: Diluted share count not available
  3. Fiscal year 2021: Diluted share count 526.7M
  4. Fiscal year 2022: Diluted share count 900.9M
  5. Fiscal year 2023: Diluted share count 945.0M
  6. Fiscal year 2024: Diluted share count 1.1B
  7. Fiscal year 2025: Diluted share count 1.3B

Banks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.

From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.

Dividends and share repurchases

How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.

Dividend per share
none pays no dividend
To shareholders (3 years)
526.0K USD 100% through repurchases

What goes back to shareholders

Over 3 years, 526.0K USD went back to shareholders, 100% of it through share repurchases. Free cash flow over those years was not positive in total.

Dividends paidShare repurchasesNew shares issued (including employee plans)Free cash flow in USD
  1. Fiscal year 2019: Dividends paid not available · Share repurchases 8.8M USD · New shares issued (including employee plans) 0.0 USD · Free cash flow −92.3M USD
  2. Fiscal year 2020: Dividends paid not available · Share repurchases 40.0K USD · New shares issued (including employee plans) 369.8M USD · Free cash flow −503.9M USD
  3. Fiscal year 2021: Dividends paid not available · Share repurchases 526.0K USD · New shares issued (including employee plans) 0.0 USD · Free cash flow −1.4B USD
  4. Fiscal year 2022: Dividends paid not available · Share repurchases 0.0 USD · New shares issued (including employee plans) 0.0 USD · Free cash flow −7.3B USD
  5. Fiscal year 2023: Dividends paid not available · Share repurchases 0.0 USD · New shares issued (including employee plans) 0.0 USD · Free cash flow −7.3B USD
  6. Fiscal year 2024: Dividends paid not available · Share repurchases not available · New shares issued (including employee plans) 0.0 USD · Free cash flow not available
  7. Fiscal year 2025: Dividends paid not available · Share repurchases not available · New shares issued (including employee plans) 3.2B USD · Free cash flow −4.0B USD

For banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.

Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.

Valuation over time

Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users.

Sector comparison

SoFi Technologies next to 8 stocks of the sector Financials we cover that are closest in revenue. Click a column header to sort the table.

Sector comparison SOFI, sector Financials; last row: sector median
Symbol Revenue (FY) Growth 5 yrsGross marginOp. marginNet marginROEEquity ratioFCF marginPiotroski
SPGI S&P Global 15.3B USD +15.6%–42.2%29.2%14.4%50.9%––
BX Blackstone Inc. 14.5B USD +18.8%––20.9%34.8%18.2%––
ICE Intercontinental Exchange 12.6B USD +8.9%–39.0%26.2%11.5%21.1%––
MCO Moody's Corporation 7.7B USD +7.5%–43.4%31.9%60.7%25.6%––
COIN Coinbase 7.2B USD +41.2%–20.0%17.6%8.5%49.9%––
CME CME Group 6.5B USD +6.0%–64.9%62.5%14.2%14.5%––
HOOD Robinhood Markets 4.5B USD +36.1%––42.1%20.6%24.0%––
CRCL Circle Internet Group 2.7B USD ––−3.5%−2.5%–4.2%––
SOFI SoFi Technologies this stock 619.4M USD +43.1%––77.7%4.6%20.7%––
Median of the sector 33 symbols 27.0B USD +9.1%–39.0%26.2%13.9%18.2%––

Growth 5 yrs = revenue growth per year over 5 fiscal years · Op. margin = operating margin · ROE = return on equity · FCF = free cash flow · Piotroski = F-Score (only with all 9 criteria).

Banks and insurers: gross margin (only if reported), free cash flow margin and Piotroski are not meaningful there (“–”).

Figures of the last fiscal year from SEC annual reports (peers as of Oct 28, 2026). Median across all companies of the sector we cover (from 5 stocks; several share classes of one company count once). Signed-in users also see P/E, P/S and dividend yield in the comparison. Describes the reported figures – not investment advice.

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light green: above sector

+43.1% per year, last 5 years

Sector Financials: median +8.8% (73 symbols)

What does this mean? Revenue: over 5 years it grew by 43.1% per year on average – at least as fast as the median company in the sector (+8.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light gray: not computable

– per year, last 5 years

Sector Financials: median +13.8% (71 symbols)

per share: not computable (loss in the first or last year)

What does this mean? There was a loss in the first or last year. An annual growth rate cannot be calculated meaningfully then.

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light green: above sector

77.7% last fiscal year

Sector Financials: median 19.4% (75 symbols)

What does this mean? Of every 100 USD in revenue, 77.71 USD remained as profit – at least as much as the median company in the sector (19.4%). Five years ago the margin was −216.8%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light gray: not available

– latest balance sheet

Sector Financials: median 0.63 (60 symbols)

What does this mean? No usable figure: reported financial debt or positive equity for the same balance sheet date is missing.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light green: covered

0% Dividend / earnings per share

Sector Financials: median 34% (58 symbols)

What does this mean? Of every 1 USD of earnings per share, 0.00 USD went to shareholders as a dividend. The rest stays in the company. Median company in the sector: 34%.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light red: 5 loss years

2 of 7 fiscal years with a profit

What does this mean? In 2 of the last 7 fiscal years the bottom line showed a profit. 5 years ended with a loss.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
619.4M USD
Revenue vs. prior year
+23.1%
Net income (FY)
481.3M USD
Net income vs. prior year
−3.5%
EPS (FY)
0.39 USD
13F funds with a position
–
Funds vs. prior quarter
–
Shares held vs. prior quarter
–
Fiscal year to Dec 31, 2025 · 10-K filed Feb 17, 2026 · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 619.4M481.3M 77.7% 0.39 0.00 0%
2024Dec 31, 2024 503.1M498.7M 99.1% 0.39 0.00 0%
2023Dec 31, 2023 421.5M−300.7M −71.4% −0.36 0.00 –
2022Dec 31, 2022 377.1M−320.4M −85.0% −0.40 0.00 –
2021Dec 31, 2021 247.7M−483.9M −195.4% −1.00 – –
2020Dec 31, 2020 103.3M−224.1M −216.8% −4.30 – –
2019Dec 31, 2019 4.5M−239.7M −5,303.0% −4.02 – –
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q2/26Jun 30, 2026 153.6M156.6M 102.0% 0.12 – –
Q1/26Mar 31, 2026 129.5M166.7M 128.7% 0.12 0.00 0%
Q4/25*Dec 31, 2025 170.3M173.5M 101.9% – 0.00 –
Q3/25Sep 30, 2025 156.8M139.4M 88.9% 0.11 – –
Q2/25Jun 30, 2025 151.9M97.3M 64.0% 0.08 – –
Q1/25Mar 31, 2025 140.4M71.1M 50.7% 0.06 0.00 0%
Q4/24*Dec 31, 2024 135.5M332.5M 245.4% – 0.00 –
Q3/24Sep 30, 2024 131.2M60.7M 46.3% 0.05 – –
Q2/24Jun 30, 2024 120.8M17.4M 14.4% 0.01 – –
Q1/24Mar 31, 2024 115.6M88.0M 76.2% 0.02 0.00 0%
Q4/23*Dec 31, 2023 116.3M47.9M 41.2% – 0.00 –
Q3/23Sep 30, 2023 104.9M−266.7M −254.1% −0.29 – –

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $852.6K2 people −$852.6K
6 months $749.3K1 person $3.2M3 people −$2.5M
12 months $2.5M3 people $11.7M5 people −$9.2M

Latest transactions

  • Oct 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,203 shares · $150.2K · SEC
  • Sep 21, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,203 shares · $173.3K · SEC
  • Sep 21, 2026 Rishel Jeremy Officer Open-market sale · 10b5-1 plan 18,624 shares · $325.9K · SEC
  • Aug 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 11,286 shares · $203.2K · SEC
  • Jul 20, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,954 shares · $188.3K · SEC
  • Jun 22, 2026 Keough Kelli Officer Open-market sale · 10b5-1 plan 10,954 shares · $190.1K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score -55

Price vs. EMA 50+15
Price vs. EMA 200-15
EMA 50 vs. EMA 200-20
ADX (trend strength)+0
Highs and lows-20
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)24.4
Rel. strength 60 d−10.0%

ATR and moving averages as price values only when logged in.

More stocks from Financials

All symbols in this sector

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