Members

Revenue segments as reported by the company.

Lending

Technology Platform

Financial Services

Other

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Technology and product development

Sales and marketing

Cost of operations

General and administrative

Provision for credit losses

Goodwill impairment

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

SoFi Technologies

SoFi Technologies, Inc. operates as a financial technology company. The Company offers financial services platform for borrowing, saving, spending, and investing. SoFi Technologies serves customers in the United States.

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

SoFi reports record Q4 earnings, poised for continued growth

SoFi's exceptional performance in 2022, strong balance sheet, and strategic growth initiatives position the company for continued success.
While facing challenges such as market uncertainties and operational transitions, SoFi's focus on quality, growth, and innovation drives opportunities for expansion.
With a positive outlook for 2023, SoFi's emphasis on financial milestones, client relationships, and product diversification sets a solid foundation for future growth.
The company's achievements over the past five years reflect a commitment to excellence and innovation, reinforcing its position in the digital financial services sector.

SoFi Technologies excels in Q1, eyes growth in student loans

SoFi Technologies reported a stellar Q1 performance with record revenue and positive GAAP net income, driven by strong growth in key segments.
While facing challenges in managing loan margins and loss expectations, SoFi is well-positioned to capitalize on opportunities in product expansion and the student loan market.
Overall, SoFi's performance reflects operational excellence, financial strength, and a strategic focus on enhancing member experience and financial outcomes.

SoFi reports record Q2 earnings, eyes sustained growth opportunities

SoFi's Q2 performance reflects strong financial metrics, member growth, and revenue diversification, underlining a resilient business model.
While facing challenges in market dynamics and regulatory changes, SoFi's strategic focus on growth areas and operational efficiency presents opportunities for sustained success.
The earnings call highlighted SoFi's commitment to innovation, customer-centric strategies, and team-driven success, positioning the company for continued growth and market leadership.

SoFi reports record Q3 revenue and member growth, eyes profitability

SoFi's Q3 performance showcased strong revenue growth, improved margins across all segments, and significant member and product expansion. The company is focused on driving profitability, sustaining growth momentum, and capitalizing on opportunities in the financial services sector.

SoFi Technologies reports robust 2023 performance and eyes growth opportunities

SoFi Technologies delivered a strong performance in 2023, achieving profitability, robust member growth, and revenue diversification across its segments.
While facing challenges such as potential increased losses and marketing spend limitations, the company is well-positioned to capitalize on opportunities in loan demand and revenue growth.
By focusing on credit underwriting adjustments, margin expansion, and monitoring economic conditions, SoFi aims to maintain its competitive edge and drive long-term profitability.
Overall, SoFi's strategic investments in the Tech Platform and commitment to financial strength underscore its resilience and growth potential in the digital financial services landscape.

SoFi Technologies excels in Q1 2024, eyes growth opportunities

SoFi Technologies reported robust financial performance in Q1 2024, driven by strong revenue growth, member expansion, and positive contributions from various business segments. While facing challenges in the Lending segment, the company is well-positioned to capitalize on opportunities in deposit growth, brand awareness, and Credit Card business.

SoFi Technologies reports stellar Q2 results, eyes diversification for growth

SoFi Technologies had a standout Q2, demonstrating robust financial performance, strong member growth, and revenue records in key segments. While facing potential challenges in loan loss assumptions, the company is optimistic about its future prospects and growth opportunities.

SoFi reports record Q3 revenue, eyes growth in key sectors

SoFi Technologies demonstrated exceptional performance in Q3 2024, achieving record revenue and profitability milestones while focusing on innovation and customer acquisition.
The company's strengths lie in its robust revenue growth, expanding customer base, and strategic initiatives to drive sustained growth across key business segments.
Challenges include maintaining growth momentum, optimizing key business areas, and navigating external factors that could impact performance and profitability.
Amidst challenges, SoFi has ample opportunities to capitalize on key growth areas, drive innovation, and solidify its position in the competitive financial services landscape.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

SoFi Technologies, Inc. is a financial service platform, which engages in the provision of student loan refinancing options to the private student loan market. It offers home loans, personal loans, and credit cards. It operates through the following segments: Lending, Technology Platform, and Financial Services. The Lending segment includes personal loan, student loan, home loan products, and related servicing activities. The Technology Platform segment focuses on technology products and solutions revenue. The Financial Services segment includes the SoFi Money product, SoFi Invest product, SoFi Credit Card product, SoFi Relay personal finance management product, and other financial services such as lead generation and content for other financial services institutions. The company was founded in 2011 and is headquartered in San Francisco, CA.

Alongside its fans, SoFi Technologies (NASDAQ: SOFI ) stock has its fair share of foes as well. Those skeptical of SOFI stock cite a myriad of concerns to back up their respective bull cases.

SOFI Stock Buy Alert: Why This Fintech Phenom Is Set to Outpace Big Banks

SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (“SoFi”) (NASDAQ: SOFI) today announced that it priced its private offering of 1.25% convertible senior notes due 2029 (the “notes”) in an aggregate principal amount of $750 million. The notes will be sold in a private offering only to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). SoFi also granted the initial purchasers of the not.

SoFi Technologies, Inc. Prices $750 Million Convertible Senior Notes Offering Due 2029

SoFi surprised investors with a profit last month, driving its stock higher. SoFi announced a big debt offering today, pushing its stock right back down again.

Why SoFi Technologies Stock Got Slammed Today

Shares of SoFi Technologies (SOFI) tumbled 13% Tuesday, after the online financial services provider said it was planning to sell up to $862.5 million in convertible bonds.

SoFi Slumps on Plan To Sell Up To $862.5 Million in Convertible Bonds

SoFi (NASDAQ: SOFI ) stock is taking a tumble after the company announced a private offering of $750 million in convertible senior notes due in 2029. The initial purchasers of the note, which are limited to qualified institutional investors, will have an option to purchase an additional $112.5 million of the notes.

SOFI Stock: SoFi Is Selling $750 Million in Convertible Senior Notes

Albemarle

MicroStrategy Incorporated

Attractive financing rates and a strong stock market are pushing chief financial officers to issue more convertible bonds.

Convertible-Bond Sales Are Booming. MicroStrategy, SoFi, Albemarle Plan Deals.

SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (“SoFi”) (NASDAQ: SOFI) today announced its intention to offer, subject to market and other conditions, $750 million aggregate principal amount of convertible senior notes due 2029 (the “notes”) in a private offering only to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). SoFi also intends to grant the initial purchasers of the notes.

SoFi Technologies, Inc. Announces Proposed Convertible Senior Notes Offering Due 2029

Lending currently dominates SoFi's revenue. But its two other segments have massive growth potential.

SoFi Technologies Stock Is Down Nearly 70% Since 2021. Is It a Buy Today?

Shift4 Payments

StoneCo

Today's article introduces three stocks to buy for a cashless society. Artificial intelligence ( AI ), machine learning and blockchain technologies are transforming the fintech industry, merging traditional models with cutting-edge solutions to drive efficiency, improve service delivery and enhance customer interaction.

3 Stocks to Buy for the Coming Cashless Society

CleanSpark

Transocean

Why would you settle for the average return the stock market offers by investing in diversified indexes such as the S&P 500 or even the Nasdaq? Well, some people just don't have the time to go hunting for the best growth opportunities out in the market.

High Stakes, High Rewards: 3 Stocks That Could Double Your Money

SoFi Technologies Inc. is a high-quality growth company with strong operating and financial metrics, expected to continue accelerating its business and stock price. SoFi's revenue structure is shifting away from traditional banking, with non-lending segments accounting for a larger portion of its revenue, indicating the need for unconventional valuation methods.

Why SoFi Technologies Stock Is Not Expensive Today

Mastercard

Visa

Fintech companies are changing the way we look at finance. These companies use the latest technology, like artificial intelligence (AI) and offer high security, a key reason they are preferred over traditional banks.

3 Fintech Stocks That Will Keep Growing in 2024 and Beyond

With solid financials, SoFi Technologies (NASDAQ: SOFI ) stock has become one of the more reputable fintech players for long-term investors to consider in this market. Several bullish price targets are emerging for this stock, with analysts suggesting it should trade in double digits.

Why Beaten-Down SOFI Stock Is a Promising Fintech Play for 2024

Robinhood

Nu Holdings

The financial industry is the backbone of the global economy. It is also home to some of the most powerful companies in the world.

3 Fintech Front-Runners That Can Finance Your Future

Adyen NV

Global Payments

PayPal

Some fintech disruptors in the stock market are looking to disrupt the future of finance. These companies are leveraging cutting-edge technology to revolutionize how individuals invest, trade, and manage their finances.

Fintech Disruptors: 7 Growth Stocks That Will Revolutionize Finance

SoFi has targeted a niche of young, affluent professionals and is giving them a full range of financial services in one place. It reported its first profit in the 2023 fourth quarter, as expected.

Cathie Wood Can't Stop Buying SoFi Stock. Should You Buy It Too?

ACM Research

Despegar.com

Identifying potential game-changing stocks is a formula for maximizing returns. Below are three stocks that hold the potential to transform and attain exponential growth.

3 Game-Changing Stocks to Double Your Money by 2026

SoFi Technologies, Inc. (SOFI) UBS Financial Services Conference (Transcript)

SoFi's deposit base is 155% higher than it was 12 months ago. According to management, SoFi is set to rapidly grow its earnings per share.

If I'd Bought $1,000 Worth of SoFi Stock at the Start of 2023, Here's How Much I Would Have Today

Archer Aviation

Grab Holdings Ltd

Li Auto Inc.

Shoals Technologies Group

There may still be some uncertainty over interest rates, but that shouldn't stop you from considering high-quality growth stocks. For one, even as the Federal Reserve maintains a cautious stance regarding rate cuts as inflation continues to cool, rate cuts will stay a matter of “when,” not “if.

7 No-Brainer Growth Stocks to Add to Your Portfolio ASAP

SoFi's (NASDAQ: SOFI ) fourth-quarter results, announced on Jan. 31, were quite impressive, as they showed that the fintech firm is growing quite rapidly and has managed to effectively monetize its popularity among millenials and Generation Z. The fintech's profitability, however, remains low, while the valuation of SOFI stock is still quite elevated.

SOFI Stock Analysis: The Negatives of SoFi Far Outweigh Its Positives

Amazon

Alphabet

Johnson & Johnson

Microsoft

Procter & Gamble

Palantir Technologies

This earnings season has been explosive. Several stocks hit all-time highs, including Nvidia (NASDAQ: NVDA ).

7 Stocks to Buy Now if You Think the S&P 500's Winning Streak Will Continue

When you look behind the headlines, these announcements make a lot of sense.

Big News for SoFi Stock Investors

Palo Alto Networks

While exploring investment opportunities, identifying stocks with the potential for exponential growth takes a lot of energy. Amidst the ongoing flux of markets, certain stocks offer the possibility of transforming modest investments into substantial gains.

3 Stocks That Could Turn $5,000 into $50,000

SoFi is reporting strong growth, and it's leading to profitability at scale. It has expanded into several new areas, and customers are adopting more products, resulting in greater cost efficiency.

News for SoFi Technologies Stock (SOFI)