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SoFi Technologies

SOFI Nasdaq Consumer Finance Financials FY2019–FY2025

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.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$14.62

1.0%
Value it Compare

What SoFi Technologies does

SOFI Β· Consumer Finance

From its latest annual report

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.

SoFi is a bank holding company, and its national bank, SoFi Bank, now makes all its new loans. Deposits there give it a cheaper way to fund loans than borrowing, and accounts can get federal deposit insurance of up to $3 million through a network of banks. At the end of 2025 it had about 6,100 employees, 82% of them in the United States.

Filing details

Legal name
SoFi Technologies, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Feb 17, 2026
Accession Β· CIK
0001818874-26-000013 Β· 0001818874
Biggest risks, in its own words

KIRA’s summary AI analyst

Hi! I read SoFi Technologies’s latest annual report (fiscal 2025). Here is what stands out:

2 strengths 1 to watch

1.Sales and profit

See section β†’
  • 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.

2.Cash and shareholders

See section β†’
  • SoFi Technologies returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 13.7%.
  • In the last 12 months, insiders bought $0.7M and sold $3.2M of shares on the open market.

4.Price and value

See section β†’
  • At $14.62 a share, the company is worth $18.3B: 29.8 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.

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.
  • Its gain-on-sale model ties its results to the cost and availability of funding in the capital markets.

SoFi Technologies in 30 seconds

Good So-so Weak

Good

Are sales growing?

+35.1%

Yes. Sales grew 35.1% last year.

Good

Does it make a profit?

13.3%

Yes. It keeps 13.3% of every sale as profit.

Weak

How lean are its costs?

84.6%

Costly. Running costs take 84.6% of revenue.

Weak

How much does it earn on its capital?

5.7%

Low. It earns 5.7% a year on shareholders’ money.

For information

How is the share priced?

29.8x

One share costs 29.8 times its yearly profit per share. Typical for its sector: 13.7x.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$18.3B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
29.8x
On $0.49 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 5.7% on shareholders’ money. Running costs took 84.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· SoFi Technologies made $481M of net profit in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 5.7% on shareholders’ money. Running costs took 84.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’

About these figures. SoFi carries most of its loans at fair value, separately from the loans it holds at cost, and its filings tag no total, so loans and the ratios built on them are left blank.

Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days SoFi Technologies did it, and the next one. Share prices often move a lot on those days.

Next results

October 27, 2026

Tuesday Β· tomorrow

Time
Before the market opens
Covers
Period ended Sep 30, 2026
Expected EPS
$0.17
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 29, 2026 Q2 '26 Before the market opens 8-K β†—
Apr 29, 2026 Q1 '26 Before the market opens 8-K β†—
Jan 30, 2026 Q4 '25 Before the market opens 8-K β†—
Oct 28, 2025 Q3 '25 Before the market opens 8-K β†—
Jul 29, 2025 Q2 '25 Before the market opens 8-K β†—
Apr 29, 2025 Q1 '25 Before the market opens 8-K β†—
Jan 27, 2025 Q4 '24 Before the market opens 8-K β†—
Oct 29, 2024 Q3 '24 Before the market opens 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· SoFi Technologies made $481M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· SoFi Technologies returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 13.7%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· In the last 12 months, insiders bought $0.7M and sold $3.2M of shares on the open market.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.7M

1 insider

Sold, 12 months

$3.2M

3 insiders

Of sales under plans

99%

$3.2M

DateInsiderTradeSharesPriceValueFiling
Oct 20, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 10,203 $14.72 $0.2M Form 4
Sep 21, 2026 Jeremy RishelChief Technology Officer Sold plan 18,624 $17.50 $0.3M Form 4
Sep 21, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 10,203 $16.99 $0.2M Form 4
Aug 20, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 11,286 $18.00 $0.2M Form 4
Jul 20, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 10,954 $17.19 $0.2M Form 4
Jun 22, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 10,954 $17.35 $0.2M Form 4
Jun 18, 2026 Robert S LavetGeneral Counsel Sold 1,188 $17.55 $0.0M Form 4
Jun 17, 2026 Jeremy RishelChief Technology Officer Sold plan 102,123 $17.78 $1.8M Form 4
Jun 16, 2026 Anthony NotoChief Executive Officer, Director Bought 13,888 $18.06 $0.3M Form 4
May 20, 2026 Kelli KeoughEVP, Gbul, Sips Sold plan 10,037 $15.53 $0.2M Form 4
May 11, 2026 Anthony NotoChief Executive Officer, Director Bought 15,545 $16.00 $0.2M Form 4
May 8, 2026 Anthony NotoChief Executive Officer, Director Bought 15,878 $15.73 $0.2M Form 4

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Deposits $0.0M$7.3B$18.6B$26.0B$37.5B
Total assets $9.2B$19.0B$30.1B$36.3B$50.7B
Shareholders' equity $4.4B$5.2B$5.2B$6.5B$10.5B
Goodwill $899M$1.6B$1.4B$1.4B$1.4B
Intangible assets $285M$442M$364M$298M$232M

Returns and efficiency

KIRA Β· It earned 5.7% on shareholders’ money. Running costs took 84.6% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

Price and value

What does the share cost, and how does it compare?

Value SoFi Technologies yourself

KIRA Β· At $14.62 a share, the company is worth $18.3B: 29.8 times its earnings of the last four quarters.

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets β€” the answer depends entirely on what you put in.

In plain words: Move the sliders to try your own guesses about growth. The result is what one share would be worth if those guesses came true. Different guesses give very different answers.

Earnings multiple

Value per share

β€”

Reference multiples: today 29.8x Β· peers 8.4x Β· sector 13.7x.

Similar companies

KIRA Β· SoFi Technologies grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 4 of 4.

Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.

In plain words: The same numbers for similar companies, so you can tell whether a figure is high or low for this kind of business.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
SoFi Technologies SOFI $18.3B 35.1% β€” β€” β€” 29.8x β€”
SLM SLM $4.1B 7.3% β€” β€” β€” 7.1x β€” Compare β†’
Ally Financial ALLY $12.2B βˆ’3.3% β€” β€” β€” 9.2x β€” Compare β†’
Synchrony Financial SYF $27.5B βˆ’2.8% β€” β€” β€” 7.7x β€” Compare β†’
Capital One COF $109.0B 36.6% β€” β€” β€” 12.1x β€” Compare β†’

All figures

Every number, year by year.

7 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $443M $566M $985M $1.6B $2.1B $2.7B $3.6B
Net interest income $330M $178M $252M $584M $1.3B $1.7B $2.2B
Noninterest income $113M $388M $733M $989M $861M $958M $1.4B
Noninterest expense $682M $894M $1.5B $1.8B $2.4B $2.4B $3.1B
Provision for credit losses β€” $0.0M $7.6M $54.3M $54.9M $31.7M $30.3M
Pretax income βˆ’$240M βˆ’$329M βˆ’$481M βˆ’$319M βˆ’$301M $233M $526M
Income tax $0.1M βˆ’$105M $2.8M $1.7M βˆ’$0.4M βˆ’$265M $44.5M
Net income βˆ’$240M βˆ’$224M βˆ’$484M βˆ’$320M βˆ’$301M $499M $481M
Net income to common βˆ’$264M βˆ’$317M βˆ’$524M βˆ’$361M βˆ’$341M $479M $481M
Diluted EPS βˆ’$4.02 βˆ’$4.30 βˆ’$1.00 βˆ’$0.40 βˆ’$0.36 $0.39 $0.39
Diluted shares 0.07B 0.07B 0.53B 0.90B 0.95B 1.10B 1.25B
Cash flow
Stock-based compensation $60.9M $99.9M $239M $306M $271M $246M $262M
Share buybacks $8.8M $0.0M $0.5M $0.0M $0.0M $0.0M $0.0M
Dividends paid $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Dividends and buybacks $8.8M $0.0M $0.5M $0.0M $0.0M $0.0M $0.0M
Balance sheet
Deposits β€” β€” $0.0M $7.3B $18.6B $26.0B $37.5B
Goodwill $15.7M $899M $899M $1.6B $1.4B $1.4B $1.4B
Intangible assets $0.0M $355M $285M $442M $364M $298M $232M
Total assets β€” $8.6B $9.2B $19.0B $30.1B $36.3B $50.7B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity βˆ’$339M βˆ’$120M $4.4B $5.2B $5.2B $6.5B $10.5B
Margins
Net margin βˆ’54.2% βˆ’39.6% βˆ’49.1% βˆ’20.4% βˆ’14.2% 18.6% 13.3%
Net interest share of revenue 74.5% 31.5% 25.6% 37.1% 59.4% 64.2% 61.4%
Efficiency ratio 154.1% 158.1% 148.9% 116.8% 111.6% 90.1% 84.6%
Returns
Return on equity β€” β€” βˆ’22.7% βˆ’6.7% βˆ’5.8% 8.5% 5.7%
Return on assets β€” β€” βˆ’5.5% βˆ’2.3% βˆ’1.2% 1.5% 1.1%
Return on tangible equity β€” 36.7% βˆ’57.6% βˆ’11.4% βˆ’10.3% 11.5% 7.0%
Growth
Revenue growth β€” 27.8% 74.2% 59.8% 34.9% 26.0% 35.1%
Net income growth β€” β€” β€” β€” β€” β€” βˆ’3.5%
EPS growth β€” β€” β€” β€” β€” β€” 0.0%
Share count change β€” 12.5% 613.2% 71.0% 4.9% 16.6% 13.7%
Capital allocation
Stock comp / revenue 13.8% 17.7% 24.3% 19.5% 12.8% 9.2% 7.3%

Source: SEC EDGAR XBRL filings (CIK 0001818874). Data updated October 11, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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