SoFi Technologies, Inc.
General ticker "SOFI" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $27.7B (TTM average)
SoFi Technologies, Inc. follows the US Stock Market performance with the rate: 1.2%.
Estimated limits based on current volatility of 3.2%: low 14.28$, high 15.24$
Factors to consider:
- Earnings expected soon, date: 2026-10-27 bmo
- Total employees count: 6100 (+22.0%) as of 2025
- US accounted for 93.1% of revenue in the fiscal year ended 2025-12-31
- Top business risk factors: History of losses, Rapid growth strain, Market volatility, Cybersecurity threats, Regulatory and compliance
- Current price 20.7% below estimated low
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [18.35$, 30.36$]
- 2026-12-31 to 2027-12-31 estimated range: [15.79$, 27.36$]
Financial Metrics affecting the SOFI estimates:
- Positive: with PPE of 70.9 at the end of fiscal year the price was neutral
- Negative: negative Operating cash flow
- Positive: 11.29 < Operating profit margin, % of 14.55
- Positive: Industry operating cash flow per share per price (median), % of 18.50 > 16.44
- Positive: Interest expense per share per price, % of 3.73 <= 4.56
- Negative: -0.37 < Inventory ratio change, % of 0
- Positive: 12.78 < Shareholder equity ratio, % of 20.71 <= 25.20
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term SOFI quotes
Long-term SOFI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $2,122.79MM | $2,674.86MM | $3,613.35MM |
| Operating Expenses | $2,423.95MM | $2,441.51MM | $3,087.50MM |
| Operating Income | $-301.16MM | $233.34MM | $525.86MM |
| Interest Expense | $789.33MM | $1,091.34MM | $1,156.24MM |
| R&D Expense | $511.42MM | $0.00MM | $0.00MM |
| Income(Loss) | $-301.16MM | $233.34MM | $525.86MM |
| Taxes | $-0.42MM | $-265.32MM | $44.54MM |
| Net Income(Loss)* | $-300.74MM | $498.67MM | $481.32MM |
| Stockholders Equity | $5,234.61MM | $6,525.13MM | $10,489.50MM |
| Assets | $30,074.86MM | $36,250.95MM | $50,660.48MM |
| Operating Cash Flow | $-7,227.14MM | $-1,119.81MM | $-3,742.46MM |
| Capital expenditure | $121.19MM | $163.62MM | $242.44MM |
| Investing Cash Flow | $-1,889.86MM | $-4,820.99MM | $-6,719.11MM |
| Financing Cash Flow | $10,885.60MM | $5,034.58MM | $13,109.33MM |
| Earnings Per Share** | $-0.32 | $0.47 | $0.42 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.