Members

Revenue segments as reported by the company.

Lending

Technology Platform

Financial Services

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

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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

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Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

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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

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Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q1 2023

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Earnings data Q1 2024

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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.

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Cost of revenue

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Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

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Change in working capital

Cash from investing

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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.

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SoFi's business will benefit from resumed student loan refinancing. Upstart's committed funding is positively turning the tide.

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As the student-loan payment moratorium nears its end and in the wake of the Supreme Court's move to strike down President Joe Biden's plan to cancel up to $20,000 in student debt, Oppenheimer's Dominick Gabriele said that SoFi Technologies Inc. shares SOFI, -4.25% already reflect “much of this good news” around the opportunity to capture more refinancing business. Gabriele notes that the company largely targets graduate student loans given that these degrees tend to cost more than bachelor's and associate degrees.

SoFi's stock already bakes in most ‘good news' on student lending, analyst says

Investors aren't as familiar with the technology side of SoFi's business.

1 Big Part of SoFi's Business Wall Street May Be Overlooking

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Why Did SoFi Stock Drop on Friday Despite a Favorable Supreme Court Ruling?

The U.S. Supreme Court struck down President Biden's loan forgiveness plan. Trading on SoFi stock had to be halted Friday morning on the news.

Why SoFi Technologies Stock Rose This Week

SoFi Technologies, Inc SOFI was trading lower Friday afternoon after suffering a high amount of volatility earlier in the trading session, which was triggered when the Supreme Court blocked President Joe Biden's plan to cancel student debt.

SoFi Stock Shows Wild Price Action After Supreme Court Axes Student Loan Forgiveness: The Bull, Bear Case - SoFi Techs (NASDAQ:SOFI)

The student loan forgiveness plan was designed to forgive up to $20,000 in student debt for some borrowers.

SoFi Stock Falls After Student Loan Forgiveness Decision

Shares of SoFi (NASDAQ: SOFI ) stock are in focus after the announcement that the Supreme Court struck down President Joe Biden's student debt forgiveness plan. The plan sought to cancel $20,000 of student loan debt for Pell Grant recipients and $10,000 for borrowers earning less than $125,000 per year.

SOFI Stock Alert: SCOTUS Strikes Down Student Loan Relief Plan

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Best Stocks to Buy Now: SoFi vs. Nu Holdings

SoFi Technologies Inc. has long been a polarizing stock, and the impending end of the student-loan payment pause has become yet another issue drawing strong opinions from both sides.

SoFi student-loan business may not ‘see the tsunami the stock seems to be reflecting,' JPM warns

The Supreme Court is expected to make a decision on President Joe Biden's student loan forgiveness plan tomorrow. Unveiled last August, Biden's plan seeks to reduce the debt load for Pell Grant recipients by $20,000, while borrowers earning less than $125,000 per year are eligible to see a reduction of $10,000.

SOFI Stock Short Interest Hits New High Ahead of SCOTUS Decision

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SoFi values a multiyear addressable student-loan refinance opportunity at around $200 billion, but J.P. Morgan sees only about a $90 billion opportunity for the financial-services firm.

SoFi's May Not See Big Benefit From Student-Loan Refinancing

Despite recent positive attention, analysts are expressing caution about investing in SoFi Technologies (NASDAQ: SOFI ). It is advisable to wait for the buying pressure to ease before making any hasty trades with SOFI stock.

Long-Term SOFI Bull? This Is the Magic Number to Buy In

Social Finance is an emerging force in the banking & financial services industry and an outlier in an ailing sector throughout 2023. Despite closing a valuation gap on its peers after a stunning 80% YTD rally, SoFi's stock remains undervalued on an absolute basis and continues to be an alpha generation opportunity. In this note, we shall revise our investment thesis and re-run SoFi through TQI's QA process, i.e., analyze its fundamental, quantitative, technical, and valuation data, to reach an informed decision.

SoFi: The Only Bank You Want To Bank On Right Now

After hitting a 2023 high of nearly $9.75 per share on June 14, SoFi Technologies (NASDAQ: SOFI ) stock was hit by bearish analysis that had brought it down closer to $8. The market cap on the online banking company was still $7.8 billion, five times more than the $1.57 billion of revenue it had last year, on which it lost $320 million, 40 cents per share.

The SOFI Stock Price That Will Make It a Long-Term Screaming Buy

Earlier this month, the U.S. Department of Education announced that the federal student loan moratorium would finally come to a halt in October. The moratorium has been active since March 2020, putting billions of dollars of payments on pause.

SOFI Stock Alert: Watch for a Big SCOTUS Catalyst This Week

The student loan repayment pause is ending, and investors in the fintech disruptor have high hopes.

Will Student Loan Refinancing Be a Game-Changer for SoFi?

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SoFi has increased its personal loan originations by about $6 billion since 2019. AT&T added 2.9 million postpaid phone subscribers in 2022.

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SoFi Technologies has seen its shares rise by more than 80% in 2023, but a recent "Sell" initiation by Compass Point caused a slump. The company continues to grow its business, with revenues up 43% YoY, but profitability remains an issue as it generates losses and dilutes shareholder value through stock-based compensation. SoFi's high valuation, lack of profits, and ongoing dilution make it a less attractive investment option despite its strong business performance.

SoFi Technologies: Rally Was Overdone

It's now difficult to justify owning shares of SoFi Technologies Inc., which have flown more than 50% higher over the past month, according to one analyst.

SoFi's stock surge is ‘overdone,' analyst warns: It's ‘difficult to justify' owning shares now

SoFi (NASDAQ: SOFI ) stock is lower by more than 5% today following the initiation of coverage by Compass Point analyst Giuliano Bologna. Bologna assigned SOFI stock a $5 price target.

News for SoFi Technologies Stock (SOFI)