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.

SoFi Technologies, Inc. has consistently collapsed following strong earnings reports, leaving the stock trading below the $10 SPAC deal price. The digital bank's expansion into the mortgage loan market could be a major. The stock only trades at 14.5x '24 adjusted EBITDA targets despite growth of nearly 60% doesn't add up.

SoFi: Another Irrational Beatdown

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SoFi Technologies (NASDAQ: SOFI ) stock soared higher by about 20% after the personal finance company reported its second-quarter earnings on July 31. However, SOFI stock has lost all of its earnings gains since then.

5 Investors Betting Big on SoFi (SOFI) Stock in Q2

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SoFi Technologies is an all-digital bank with a rapidly growing base of members and deposits. Shockwave Medical makes intravenous lithotripsy devices that reduce the risk of life-threatening complications when cardiovascular surgeons try to open blocked arteries.

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Sales of Celsius Holdings' energy drinks are exploding. SoFi Technologies is winning customers at a rapid pace.

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SoFi Technologies (NASDAQ: SOFI ) is a banking sector disruptor that's garnered a lot of attention on Wall Street. Opinions vary, but one notable theme among analysts is that SOFI stock looks overvalued.

SOFI Stock Analysis: What Wall Street Is Saying About SoFi Technologies Now

The article examines whether Sofi has the potential to appreciate ten times over with its current valuation as part of 'The Hunt For Potential 10x Returns' series. As previously done, I use a rating system based on factors such as returns on invested capital, insider ownership, share repurchases, gross profit margin, and intangibles to evaluate Sofi. Sofi has scored the lowest rating yet due to its low returns on capital, poor insider ownership, and extensive share dilution.

The Hunt For Potential 10x Returns: SoFi Has Strong Product-Market Fit, But Lacks High Profitability

SoFi Technologies (NASDAQ: SOFI ) stock is worth another look. The banking sector saw some scary days in the first half of 2023.

Why Fintech Gem SOFI Is Ready to Shine When Student Loan Payments Resume

SoFi investors saw SOFI's massive earnings surge disappear as sellers capitalized to take profits. However, I assessed that buyers are expected to return soon to defend. The company remains on track to achieve GAAP net income profitability by the end of Q4'23, justifying its robust execution. SoFi's business model is working, with significant gains in new products and members and a focus on higher-income depositors and borrowers.

SoFi: The Bearish Thesis Is Dissipating And Deservedly So

SoFi has branched out into a range of products that are contributing to growth while its core product is down. The company's getting close to profitability as it scales and is expecting net profits in the 2023 fourth quarter.

SoFi's Growth Is Slowing Down. Here's Why You Should Buy It, Anyway.

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SoFi's diversified operations may soon become profitable. Kinsale's best-in-class efficiency and market-beating growth rates make it a tremendous compounder.

Better Buy: SoFi or Kinsale Capital?

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SoFi added around 584 thousand new members in Q2 2023, more than the average number of members added in the past four quarters. SoFi beat its Q2 revenue analyst estimates by $15 million and met the analysts' EPS estimate of -$0.06. Digital banks made up almost half of all new checking accounts opened in 2023, with SoFi quadrupling its market share of new accounts opened since 2020.

SoFi: Strong Q2 Is A Step Toward Q4 Profitability

SALT LAKE CITY & SAN FRANCISCO--(BUSINESS WIRE)--SoFi integrates Galileo's conversational AI engine to enhance member experience.

Galileo's AI-Driven Intelligent Digital Assistant Cyberbank Konecta Enhances SoFi Member Experience

SoFi delivered a strong quarterly beat-and-raise performance last month. Shares of the fintech stock have already given up about half of last month's gain so far in August -- but they're still up more than 100% this year.

Why SoFi Technologies Stock Skyrocketed 37% in July

SoFi's Q2 2023 signifies strong growth with record Tech Platform and Financial Services results. Robust results indicated record Personal and increased Home loan originations. SoFi's growth trajectory is supported by adept deposit management, strategic cross-selling, and a focus on innovation and modernization.

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Its gain-on-sale model for its loan business carries the risk of financial contagion. The company expects generally accepted accounting principles net-income profitability in the fourth quarter of 2023.

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SoFi is increasingly originating more personal loans.

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SoFi has a huge catalyst coming later this year, and a secret advantage few other banks have.

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After more than a year at sub-$10 per share prices, including a brief trip to penny stock territory, SoFi Technologies (NASDAQ: SOFI ) shares are back in the double-digits. Chalk this all up to a well-received earnings late last month for SOFI stock.

News for SoFi Technologies Stock (SOFI)