SoFi Technologies Inc SOFI Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$16.21 up $0.17, 1.06% at close Nov 6
Last close · Previous close $16.04
- Market cap
- $20.94BAt the Nov 6 close
- P/E ratio
- 28.95On last 12 months’ EPS
- Diluted EPS
- $0.56Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$16.21up $0.17, 1.06%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$16.04Nov 5
- Volume44.19MNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume57.71MLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $13.86 to $32.73; now $16.21
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
SOFI beat the S&P 500 in 2 of 6 periods.
| Period | SOFI and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | SOFI: up 2.9% S&P 500: down 5.6% | SOFI beat the S&P 500 by 8.5 percentage points Beat |
| 3M | SOFI: down 10.4% S&P 500: down 4.1% | SOFI trailed the S&P 500 by 6.3 percentage points Trailed |
| YTD | SOFI: down 38.1% S&P 500: up 8.7% | SOFI trailed the S&P 500 by 46.8 percentage points Trailed |
| 1Y | SOFI: down 40.3% S&P 500: up 10.9% | SOFI trailed the S&P 500 by 51.2 percentage points Trailed |
| Long term | ||
| 3Y | SOFI: up 116.4% S&P 500: up 75.0% +29.4% vs +20.5% a year | SOFI beat the S&P 500 by 41.4 percentage points Beat |
| 5Y | SOFI: down 28.2% S&P 500: up 67.8% −6.4% vs +10.9% a year | SOFI trailed the S&P 500 by 96.0 percentage points Trailed |
$10,000 invested in SOFI 5 years ago (Nov 5, 2021) would be worth about $7,182 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $16,782.
SOFI beat the S&P 500 in 2 of 6 periods.
| Period | SOFI and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | SOFI: up 2.9% S&P 500: down 5.6% | SOFI beat the S&P 500 by 8.5 percentage points Beat |
| 3M | SOFI: down 10.4% S&P 500: down 4.3% | SOFI trailed the S&P 500 by 6.1 percentage points Trailed |
| YTD | SOFI: down 38.1% S&P 500: up 7.8% | SOFI trailed the S&P 500 by 45.9 percentage points Trailed |
| 1Y | SOFI: down 40.3% S&P 500: up 9.7% | SOFI trailed the S&P 500 by 50.0 percentage points Trailed |
| Long term | ||
| 3Y | SOFI: up 116.4% S&P 500: up 68.8% +29.4% vs +19.1% a year | SOFI beat the S&P 500 by 47.6 percentage points Beat |
| 5Y | SOFI: down 28.2% S&P 500: up 56.9% −6.4% vs +9.4% a year | SOFI trailed the S&P 500 by 85.1 percentage points Trailed |
$10,000 invested in SOFI 5 years ago (Nov 5, 2021) would be worth about $7,182 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $15,694.
All-time high
$32.21
Closing high on . Now 49.7% below that record.
Split-adjusted daily closes since Nov 30, 2020.
Stock splits
SOFI hasn’t split since its price history begins in 2020.
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Sep 30, 2026). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
28.9×The Nov 6 close ÷ diluted EPS over the last 12 months ($0.56)
The range covers daily P/E ratios from Oct 28, 2021 to Nov 6, 2026, each based on the previous 12 months of earnings.
SOFI trades at 28.9× its earnings over the last 12 months, below its 5-year median of 39.0×. In plain terms, buyers are paying about $29 for each $1 of profit from the past year. How to read P/E
Other valuation measures
- 4.4×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 1.9×Book value as of Sep 30, 2026
Price relative to accounting equity (book value) per share on the Sep 30, 2026 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 17.9×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - −50.37%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $21.32BAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Sep 30, 2026 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own SOFI DCF in Excel. Value SoFi Technologies with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q3 FY26, the quarter ended Sep 30, 2026. “Last 12 months” means the four quarters from Oct 1, 2025 to Sep 30, 2026, and balance-sheet figures are as of Sep 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $4.73Bup 42.3%
- Net income
- $737.86Mup 15.2%
- Diluted EPS
- $0.56unchanged
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q4 FY24 (Dec 31, 2024) | $734.13M | $332.47M | $0.31 |
| Q1 FY25 (Mar 31, 2025) | $771.76M | $71.12M | $0.06 |
| Q2 FY25 (Jun 30, 2025) | $854.94M | $97.26M | $0.08 |
| Q3 FY25 (Sep 30, 2025) | $961.60M | $139.39M | $0.11 |
| Q4 FY25 (Dec 31, 2025) | $1.03B | $173.55M | $0.14 |
| Q1 FY26 (Mar 31, 2026) | $1.10B | $166.73M | $0.12 |
| Q2 FY26 (Jun 30, 2026) | $1.22B | $156.59M | $0.12 |
| Q3 FY26 (Sep 30, 2026) | $1.39B | $240.99M | $0.18 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $984.87M | −$483.94M | −$1.00 |
| FY22 (Dec 31, 2022) | $1.57B | −$320.41M | −$0.40 |
| FY23 (Dec 31, 2023) | $2.12B | −$300.74M | −$0.36 |
| FY24 (Dec 31, 2024) | $2.67B | $498.67M | $0.39 |
| FY25 (Dec 31, 2025) | $3.61B | $481.32M | $0.39 |
Margins
- Gross 84.3%
- Operating 20.1%
- Net 15.6%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- −$10.55BLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow−$10.21BLast 12 months
- Capital spending$337.16MLast 12 months
- −223.0%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $1.61BLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$0.00Last 12 months
Balance sheet
- Not reportedAs of Sep 30, 2026
Cash plus short- and long-term marketable securities on the Sep 30, 2026 balance sheet.
- Total debt$3.98BAs of Sep 30, 2026
- 0.35As of Sep 30, 2026
Total debt divided by shareholders’ equity on the Sep 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 6.8%Last 12 months
Over the last 12 months, SoFi Technologies’s net income was 6.8% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 1.3%Last 12 months
Over the last 12 months, SoFi Technologies’s net income was 1.3% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
About SoFi Technologies Inc
SoFi is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial products and services helps its more than 7.5 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app. SoFi also equips members with the resources they need to get ahead – like career advisors, Credentialed Financial Planners, exclusive experiences and events, and a thriving community – on their path to financial independence. SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
- Sector
- Financial Services
- Industry
- Credit Services
- Headquarters
- California, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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SOFI stock FAQ
What is SOFI stock’s price today?
SoFi Technologies (SOFI) traded at $16.21 at the close on , up $0.17 (1.06%) from the previous close of $16.04. Over the past 52 weeks it has traded between $13.86 and $32.73.
If you invested $1,000 in SOFI 5 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in SOFI on would be worth about $718 at the close on , a total return of −28.2%. The same $1,000 would be worth $597 if invested one year ago. Past performance doesn’t predict future returns.
What is SoFi Technologies’s market cap?
SoFi Technologies’s market capitalization is about $20.9 billion. That’s Tiingo’s daily market cap for , at that day’s closing price of $16.21 (how market cap works). SoFi Technologies reported 1.29B shares outstanding at the end of its latest quarter ().
What is SOFI’s P/E ratio?
SOFI trades at 28.9 times its diluted earnings over the four quarters to ($0.56 per share), at the close. Over the past five years its P/E has ranged from 21.6 to 84.0, with a median of 39.0. (How the P/E ratio works.)
How much revenue does SoFi Technologies make?
SoFi Technologies reported $4.7 billion of revenue over the four quarters to , up 42.3% from the twelve months before. In its latest quarter (Q3 FY26, ended ) revenue was $1.4 billion, up 44.0% from a year earlier.
Is SoFi Technologies profitable?
Yes. SoFi Technologies earned $737.9 million of net income over the four quarters to , a net margin of 15.6%, and its operating margin was 20.1% (what margins tell you).
What are SOFI’s earnings per share?
SOFI’s diluted earnings per share were $0.56 over the four quarters to , compared with $0.56 in the twelve months before. The latest quarter (Q3 FY26) brought $0.18 per share, against $0.11 a year earlier (how EPS works).
Does SOFI pay a dividend?
SoFi Technologies hasn’t paid a dividend in the last twelve months.
What is SOFI’s 52-week high and low?
Over the past 52 weeks SOFI has traded as low as $13.86 and as high as $32.73. At $16.21 at the close on , it is 50.5% below that high and 17.0% above the low.
What is SOFI’s all-time high?
SOFI’s highest closing price was $32.21 on , adjusted for stock splits. At $16.21 at the close on , it is 49.7% below that record.
Has SOFI stock ever split?
No. SOFI hasn’t split since its price history begins in 2020.
How has SOFI stock performed?
Including dividends and measured to the close on , SOFI has returned −38.1% so far this year and −40.3% over the past year, and −28.2% over five years (−6.4% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is SoFi Technologies in?
SoFi Technologies is in the Financial Services sector and the Credit Services industry, and is headquartered in California, USA.
What exchange does SOFI trade on?
SoFi Technologies trades on the Nasdaq under the ticker symbol SOFI. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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