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SoFi Technologies, Inc.

SOFI

Companies in Finance Services

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Financial Statements

Values in Millions ($)
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Variable Interest Entity Primary Beneficiary
22-5-2921-5-134551-13-63
Cash And Cash Equivalents At Carrying Value
3,4014,9293,2462,1232,0862,5382,3552,3353,6933,0852,8143,016
Restricted Cash And Cash Equivalents
360427500592630171615397455531483485
Other Investments
3,2312,5762,5122,3752,1531,8961,5541,566973702580548
Loans Receivable Held For Sale Amount
25,45522,86321,58720,06318,22617,68517,32515,89415,11615,39720,99418,214
Financing Receivable Excluding Accrued Interest Af…
1,3811,5171,4841,4131,2961,2461,4172,1731,250836--
Notes Receivable Net
---------836361348
Servicing Asset At Fair Value Amount
368378384375390342296291241180143146
Property Plant And Equipment And Finance Lease Rig…
448416387355317288266246228217202191
Goodwill
1,3941,3941,3941,3941,3941,3941,3941,3941,3941,3941,3941,641
Intangible Assets Net Excluding Goodwill
215232248264280298315331347364387412
Operating Lease Right Of Use Asset
899479777881848387909395
Other Assets
2,0192,1771,6441,3411,3281,715883737687554527467
Assets
53,69850,66045,29341,11237,74936,25134,38032,64231,30630,07527,97725,561
Liabilities And Stockhold…
Liabilities
Deposits
Interest Bearing Deposit Liabilities
40,12037,38732,80629,41127,13625,86124,35222,94621,55018,56915,60712,672
Noninterest Bearing Deposit Liabilities
123118141130120117565154526568
Deposits
40,24337,50532,94629,54127,25725,97824,40822,99721,60518,62115,67212,740
Accounts Payable And Accrued Liabilities Current A…
729744760676674557569535554550566632
Operating Lease Liability
10110693919397101101106109113115
Debt Longterm And Shortterm Combined Amount
1,8131,8152,7143,9433,0463,0933,1803,1072,8915,2336,2416,484
Beneficial Interest
11111111471011
Liabilities
42,88740,17136,51334,25231,07129,72628,25926,74025,16024,52022,60319,983
Temporary Equity
Equity
Temporary Equity Carrying Amount Attributable To P…
-0---000320320320320
Common Stock Value
000000000000
Additional Paid In Capital
11,47211,3039,7687,9947,9107,8397,7517,6027,5447,0406,9056,848
Accumulated Other Comprehensive Income Loss Net Of…
-3111043-88-1-2-11-5
Retained Earnings Accumulated Deficit
-658-824-998-1,137-1,234-1,306-1,638-1,699-1,716-1,804-1,852-1,585
Stockholders Equity
10,81210,4898,7806,8616,6796,5256,1215,9015,8265,2355,0535,258
Liabilities And Stockholders Equity
53,69850,66045,29341,11237,74936,25134,38032,64231,30630,07527,97725,561
Nonvoting Common Stock
100100001001000010010000
Available For Sale Securities Debt Securities
3,0482,4542,3932,2672,0731,8041,4781,444839595486383
Debt Securities Available For Sale Amortized Cost …
3,0442,4352,3762,2562,0661,8081,4681,443840597487388
Parent Company
-----4,457---323--
Financing Receivable Allowance For Credit Loss Exc…
525151484447485251555241
Allowance For Doubtful Accounts Receivable
333332322222
Common Stock Par Or Stated Value Per Share
000000000000
Common Stock Shares Authorized
3,1003,1003,1003,1003,1003,1003,1003,1003,1003,1003,1003,100
Common Stock Shares Issued
1,2811,2711,2051,1131,1041,0951,0841,0651,056976958949
Temporary Equity Par Or Stated Value Per Share
-----0000000
Temporary Equity Shares Authorized
------600600600600600600
Temporary Equity Shares Issued
--------3333
Shares Outstanding
1,2811,2711,2051,1131,1041,0951,0841,0651,056976958949
Temporary Equity Aggregate Amount Of Redemption Re…
--------323323323323
Temporary Equity Shares Outstanding
-0---0003333

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
202613.87%11.75%2.87%---------
20254.48%34.96%66.54%15.67%26.72%31.39%9.43%-0.33%-4.82%-8.97%-16.86%-19.27%
2024-2.27%-6.37%4.96%24.26%23.64%70.92%37.90%34.29%50.59%-10.38%-23.54%-3.06%
202328.28%52.19%74.27%-5.59%-14.18%-26.21%7.11%36.11%4.24%-20.22%-22.30%-20.44%

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Performance and Valuation Metrics

Metrics
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Leverage & Debt
Interest Coverage TTM
-0.73
-0.76
-0.81
-0.84
-0.88
-0.52
-0.07
0.19
0.81
0.62
0.38
0.56
Per Share Metrics
Diluted EPS TTM
0.42
0.38
0.50
0.47
0.41
0.45
0.19
-0.11
-0.17
-0.32
-0.41
-0.21
Free Cash Flow Per Share TTM
-4.96
-3.46
-2.71
-2.73
-1.83
-1.21
-1.23
-2.66
-4.47
-7.77
-9.99
-10.34
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.02
0.02
0.03
0.03
0.04
0.04
0.04
0.04
Margin Metrics
Gross Profit Margin TTM
83.65%
83.15%
82.68%
82.41%
82.26%
82.74%
82.89%
82.81%
82.74%
82.10%
81.84%
81.55%
Operating Profit Margin TTM
16.38%
14.55%
12.05%
10.33%
7.81%
8.72%
8.79%
-4.43%
-7.44%
-14.19%
-19.92%
-10.74%
Net Profit Margin TTM
14.64%
13.32%
19.27%
18.37%
17.19%
18.64%
8.38%
-4.73%
-7.77%
-14.17%
-19.79%
-10.60%
Growth Metrics
Net Revenue Growth (1Y)
40.70%
35.09%
29.98%
27.62%
22.04%
26.01%
30.15%
29.47%
33.83%
34.91%
40.04%
48.01%
Net Income Growth (1Y)
19.76%
-3.48%
199.03%
-595.57%
-370.22%
-265.81%
-155.09%
-42.24%
-27.08%
-6.14%
-0.70%
-43.50%
EPS Growth (1Y)
3.03%
-11.86%
173.49%
-573.89%
-341.82%
-249.20%
-148.92%
-48.89%
-31.04%
-10.52%
-4.30%
-45.10%
Valuation Metrics
P/E TTM
35.13
62.56
48.33
35.90
26.51
32.43
39.32
-61.75
-40.24
-31.27
-19.55
-39.81
P/B TTM
1.87
2.87
3.52
2.94
1.91
2.48
1.38
1.19
1.23
1.80
1.50
1.49
P/S TTM
5.14
8.33
9.31
6.59
4.56
6.05
3.29
2.92
3.12
4.43
3.87
4.22
Market Cap
20.27B
30.11B
30.94B
20.16B
12.77B
16.17B
8.42B
7.00B
7.17B
9.40B
7.60B
7.81B
Enterprise Value
16.51B
24.75B
27.20B
17.44B
10.05B
13.46B
5.45B
4.27B
3.03B
5.79B
4.30B
4.31B
Calculated Values
Free Cash Flow TTM
-6.34B
-3.98B
-3.17B
-3.02B
-2.01B
-1.27B
-1.31B
-2.81B
-4.40B
-7.34B
-9.50B
-9.69B
Net Debt
-3.76B
-5.36B
-3.75B
-2.71B
-2.72B
-2.71B
-2.97B
-2.73B
-4.15B
-3.62B
-3.30B
-3.50B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-22Sale
Owner: Keough, Kelli
Title: EVP, GBUL, SIPS
Shares: 10,954
Price/Share: $17.35
Value: $190,051.90
Shares Owned: 378,682
Relationship: Officer
Ownership: Direct
2026-06-18Sale
Owner: Lavet, Robert S
Title: General Counsel
Shares: 1,188
Price/Share: $17.55
Value: $20,849.40
Shares Owned: 88,200
Relationship: Officer
Ownership: Direct
2026-06-17Sale
Owner: Rishel, Jeremy
Title: Chief Technology Officer
Shares: 102,123
Price/Share: $17.78
Value: $1,815,746.94
Shares Owned: 895,089
Relationship: Officer
Ownership: Direct
2026-06-16Purchase
Owner: Noto, Anthony
Title: Chief Executive Officer
Shares: 13,888
Price/Share: $18.06
Value: $250,817.28
Shares Owned: 11,960,507
Relationship: Director,Officer
Ownership: Direct
2026-05-20Sale
Owner: Keough, Kelli
Title: EVP, GBUL, SIPS
Shares: 10,037
Price/Share: $15.53
Value: $155,874.61
Shares Owned: 323,247
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
53.85%
Inst. Shares: 687,297,978
Shares Outstanding: 1,276,328,000
2025-12-31
59.99%
Inst. Shares: 690,010,640
Shares Outstanding: 1,150,140,000
2025-09-30
52.77%
Inst. Shares: 618,067,583
Shares Outstanding: 1,171,205,000
2025-06-30
50.39%
Inst. Shares: 557,862,147
Shares Outstanding: 1,107,006,000
2025-03-31
45.79%
Inst. Shares: 502,728,885
Shares Outstanding: 1,097,994,000

SoFi Technologies, Inc. (SOFI) — SEC Financial Statements & Analysis

SoFi Technologies, Inc. (SOFI) is a finance services company, incorporated in DE. SoFi Technologies, Inc. trades on SOFI: Nasdaq as: SOFI. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), SoFi Technologies, Inc. reported a 40.70% year-over-year revenue growth, a Gross Profit Margin of 83.65% (TTM), a Price-to-Sales (P/S) ratio of 5.14x (TTM), a Price-to-Book (P/B) ratio of 1.87 (TTM), at a market cap of $20.27B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
40.70%
Gross Profit Margin TTM
83.65%
P/S TTM
5.14x
P/B TTM
1.87
Market Cap
$20.27B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SoFi Technologies, Inc. in?

SoFi Technologies, Inc. (SOFI) operates in the Finance Services industry.

What is SOFI's market cap?

SoFi Technologies, Inc. (SOFI) has a market capitalization of $20.27B as of 2026-03-31.

What is SOFI's P/E ratio?

SoFi Technologies, Inc. (SOFI)'s trailing twelve month P/E ratio is 35.13x as of 2026-03-31.

What exchange does SOFI trade on?

SoFi Technologies, Inc. (SOFI) trades on the SOFI: Nasdaq.

Where is SoFi Technologies, Inc. incorporated?

SoFi Technologies, Inc. is incorporated in DE.

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SoFi Technologies, Inc. (SOFI) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.