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.

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The fintech may have gotten a boost from a new rating by a major Wall Street analyst.

Why SoFi Technologies Stock Was Up 4.3% Today

I value SoFi stock as a traditional bank by discounting FCFEs and based on SOTP valuation analysis. I also take into account forward stock-based compensation (% of sales) as an additional premium to the cost of equity.

SoFi Technologies: Valuation Analysis Indicates Good Upside

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DFS is an established consumer lending company that is predominantly digital these days. SOFI positions itself as a super-app and one-stop shop for banking.

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The financial sector fared poorly in 2022. However, investors of California-headquartered neo-banking firm SoFi Technologies (NASDAQ: SOFI ) really took a beating last year.

These Funds Are Betting Against SOFI Stock. That's a Mistake.

After a rough year, many investors are planning to do things differently.

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When thinking about sectors that have a chance to roar back in 2023, financial technology (fintech) may not be the first to come to mind. Still, this may be a time to look for value in these cheap fintech stocks.

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Internal research shows that the investment winds are blowing favorably for the financial industry.

Why SoFi Technologies Stock Blasted 6% Higher Today

Shares of SoFi (NASDAQ: SOFI ) closed in the green following the release of three pieces of news related to the company. First, President Joe Biden's administration has proposed a new student loan repayment plan that could cut costs for many borrowers.

Why Is SoFi (SOFI) Stock Up Today?

SoFi (NASDAQ: SOFI ) stock rose 4% on Jan. 9, with hopes rising that the “fintech winter” may be ending. The online banking and brokerage company lost nearly two-thirds of its value in the last year as investors soured on the sector.

Dear SOFI Stock Fans, Mark Your Calendars for Jan. 30

Stock-based compensation (SBC) dilutes shareholders and drags on GAAP Net Income. I interviewed CFO Chris Lapointe to clear up the confusion surrounding SoFi's SBC.

SoFi's CFO Helps Me Clarify Their Stock-Based Compensation

SAN FRANCISCO--( BUSINESS WIRE )--Three out of four investors report regrets about how they invested in 2022, and 85% now plan to change how they invest in 2023 according to a new survey from SoFi (NASDAQ: SOFI), the digital personal finance company. The first-ever SoFi Investor Study surveyed 1,000 investors in the U.S. about how they managed their portfolios in 2022, their general sentiment about the market, and their predictions for 2023. In 2022, investors endured wild market volatility, rising interest rates and a crypto winter, and they're facing more potential headwinds in 2023.

SoFi Report Reveals 85% of Investors Plan to Change How They Invest in 2023

Marathon Digital Holdings

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The stock is down 65% since the beginning of 2022, but the core business is doing great.

SoFi Technologies Is Already Profitable (Sort Of)

Hardly anyone, including the company's fans, would call California-based neo-banking firm SoFi Technologies (NASDAQ: SOFI ) a winner in 2022. SOFI stock lost a great deal of value that year, but this could be a setup for a multi-bagger recovery.

SOFI Stock: The Case for SOFI Hitting $10 in 2023

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SAN FRANCISCO--( BUSINESS WIRE )--SoFi Technologies, Inc. (NASDAQ: SOFI), the digital personal finance company, today announced plans to host a conference call to discuss financial and operating results for the fourth quarter and full year of 2022 on Monday, January 30, 2023, at 8 a.m. Eastern Time. SoFi also plans to release its fourth quarter and fiscal year 2022 results on the investor relations section of its website at https://investors.sofi.com at approximately 7 a.m. Eastern Time on Monday, January 30, 2023.

SoFi Schedules Conference Call to Discuss Q4 2022 & Full Year 2022 Results

SoFi is constantly dumped on for not being profitable, yet the company is very profitable when excluding non-cash charges. The fintech should be valued based on adjusted EBITDA due to the metric approximating adjusted profits.

SoFi: Far More Profitable Than You Think

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SoFi Technologies, Inc.'s CEO purchased a boatload of shares in the fintech in December. The chart profile has, despite those transactions, further disintegrated.

SoFi Technologies: It May Get Worse For This Penny Stock

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The market responded positively to the latest unemployment data.

Why Shares of SoFi, Lemonade, and Upstart Are Rising Today

It's no secret that investors of California-based neo-banking firm SoFi Technologies (NASDAQ: SOFI ) have struggled in 2022. Yet, now is a time to hold SOFI stock, not dump it.

The SoFi CEO Just Bought a Chunk of SOFI Stock. Should You?

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News for SoFi Technologies Stock (SOFI)