SoFi Technologies
SOFI Nasdaq· Consumer Finance
Last close · Oct 26, 2026
$14.46
KIRA · Stoqly’s AI analyst, in plain words
- SoFi Technologies had $3.6B of revenue in fiscal 2025, up 35.1% on the year before. Over five years, revenue changed +44.9% a year on average.
- SoFi Technologies made $481M of net profit in fiscal 2025.
- SoFi Technologies returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 13.7%.
- It earned 5.7% on shareholders’ money. Running costs took 84.6% of revenue (the efficiency ratio; lower is better).
Market cap
$18.1B
P/E
29.5x
Revenue
$3.6B
Net income
$481M
Return on equity
5.7%
Efficiency ratio
84.6%
SoFi Technologies in 30 seconds · fiscal 2025
Are sales growing?
+35.1%
Yes. Sales grew 35.1% last year.
Does it make a profit?
13.3%
Yes. It keeps 13.3% of every sale as profit.
How lean are its costs?
84.6%
Costly. Running costs take 84.6% of revenue.
How much does it earn on its capital?
5.7%
Low. It earns 5.7% a year on shareholders’ money.
How is the share priced?
29.5x
One share costs 29.5 times its yearly profit per share. Typical for its sector: 13.7x.
What SoFi Technologies does
SoFi is a digital bank for consumers, mostly in the United States. Through one mobile app, its members can take out personal, student and home loans, keep checking and savings accounts, use a credit card, buy and sell stocks and crypto, and get tools for tracking their money. SoFi says it has served about 13.6 million members since it started. It also sells banking software to other companies. SoFi reports three segments. Lending earns interest and fees on the loans it makes; it can keep loans on its books or sell them to large financial institutions and through securitizations, which bundle loans into bonds. Financial Services covers the checking and savings accounts, investing, credit cards and services for employers and partner lenders. Technology Platform, built on its Galileo and Technisys businesses, rents out payment and core banking systems to banks, government bodies and other firms, mainly in North and Latin America.
Biggest risks, in its own words
- Making poor credit and pricing decisions, or underestimating how many borrowers will fail to repay their loans.
- Its reliance on a small number of buyers for the loans it sells and of partners in its loan platform business.
- Changes in interest rates that cut demand for its loans and its checking and savings accounts.
- Galileo and Technisys depend on a few large clients, and losing any of them could hurt those businesses.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 17, 2026
- Legal name
- SoFi Technologies, Inc.
- CIK
- 0001818874
SoFi Technologies · SOFI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $985M | $1.6B | $2.1B | $2.7B | $3.6B |
| Revenue growth | 74.2% | 59.8% | 34.9% | 26.0% | 35.1% |
| Net interest income | $252M | $584M | $1.3B | $1.7B | $2.2B |
| Net income | −$484M | −$320M | −$301M | $499M | $481M |
| Net margin | −49.1% | −20.4% | −14.2% | 18.6% | 13.3% |
| Diluted EPS | −$1.00 | −$0.40 | −$0.36 | $0.39 | $0.39 |
| Cash | |||||
| Dividends paid | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Share buybacks | $0.5M | $0.0M | $0.0M | $0.0M | $0.0M |
| Share count change | 613.2% | 71.0% | 4.9% | 16.6% | 13.7% |
| Debt and strength | |||||
| Deposits | $0.0M | $7.3B | $18.6B | $26.0B | $37.5B |
| Shareholders' equity | $4.4B | $5.2B | $5.2B | $6.5B | $10.5B |
| Returns and quality | |||||
| Return on equity | −22.7% | −6.7% | −5.8% | 8.5% | 5.7% |
| Return on tangible equity | −57.6% | −11.4% | −10.3% | 11.5% | 7.0% |
| Efficiency ratio | 148.9% | 116.8% | 111.6% | 90.1% | 84.6% |
Insiders bought, 12 months
$2.5M
3 insiders
Insiders sold, 12 months
$11.7M
5 insiders
Of sales under plans
83%
$9.8M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
SoFi Technologies · SOFI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| SoFi Technologies SOFI | $18.1B | 35.1% | 13.3% | 5.7% | 29.5x | — |
| SLM SLM | $4.1B | 7.3% | 37.5% | 32.3% | 7.1x | — |
| Ally Financial ALLY | $12.1B | −3.3% | 10.8% | 5.8% | 9.1x | — |
| Synchrony Financial SYF | $28.0B | −2.8% | 18.7% | 21.3% | 7.8x | — |
| Capital One COF | $109.5B | 36.6% | 4.6% | 2.8% | 12.1x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $14.46 a share, the company is worth $18.1B: 29.5 times its earnings of the last four quarters.
SoFi Technologies grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 4 of 4.
Source: SEC EDGAR XBRL filings (CIK 0001818874). Data updated October 11, 2026. For information only — not investment advice. Check the original filings before relying on any figure.