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SOFI logo

SOFI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
18.750
Open
18.600
VWAP
18.07
Vol
77.72M
Mkt Cap
22.77B
Low
17.700
Amount
1.40B
EV/EBITDA(TTM)
24.98
Total Shares
1.28B
EV
22.29B
EV/OCF(TTM)
--
P/S(TTM)
7.34
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
Show More

Events Timeline

(ET)
2026-07-07
08:31:00
SoFi Launches New ETF: SoFi Social 50 Income ETF
select
2026-07-01 (ET)
2026-07-01
14:30:00
SoFi Technologies Shares Rise 4.02%
select
2026-06-30 (ET)
2026-06-30
09:30:00
SoFi Launches Small Business Loans Up to $250,000
select
2026-06-24 (ET)
2026-06-24
16:00:00
SoFi Technologies Shares Rise 0.69% to $17.41
select

News

Fool
8.5
07-05Fool
PinnedSoFi's Transformation After National Bank Charter Boosts Growth
  • Business Transformation: SoFi has rapidly evolved from offering alumni loans to a comprehensive digital financial services platform after obtaining its national bank charter, with total deposits skyrocketing from $1.2 billion in 2022 to $40.2 billion, indicating strong market demand and user growth.
  • Lower Funding Costs: By acquiring Golden Pacific Bancorp, SoFi significantly reduced its funding costs, with 94% of its total liabilities ($42.9 billion) now represented by deposits, which boosted its net interest income to over $2.2 billion in 2025, a staggering 781% increase from 2021.
  • Deposit Attractiveness: SoFi's savings account offers a 3.1% annual percentage yield, well above the national average, attracting substantial customer deposits and enhancing customer stickiness, thereby solidifying its market position.
  • Future Growth Expectations: Management anticipates adjusted earnings per share to grow at a compound annual rate of 40% over the next three years, indicating that with the support of its national bank charter, SoFi's profitability and market outlook will continue to improve.
NASDAQ.COM
6.5
07-07NASDAQ.COM
Weaker Jobs Data Diminishes Rate Hike Prospects
  • Weak Jobs Data: Recent employment figures fell short of expectations, diminishing market expectations for interest rate hikes, which could impact investor confidence and market liquidity.
  • Investment Recommendations: The analyst team has identified 10 stocks as the best investment choices currently, with SoFi Technologies notably absent, indicating a cautious outlook on its future performance.
  • Historical Returns Comparison: For instance, Netflix and Nvidia, when recommended, yielded returns of $418,761 and $1,195,804 respectively, highlighting the potential high returns of selected stocks.
  • Investor Community: Joining Stock Advisor provides access to the latest investment recommendations, leveraging its average return of 918%, significantly outperforming the S&P 500's 208% return, thereby attracting more individual investors.
Fool
4.0
07-07Fool
Weaker Jobs Data Dims Interest Rate Outlook
  • Weak Jobs Data: The latest employment figures fell short of expectations, indicating a sluggish economic recovery, which has led to diminished market confidence regarding future interest rate hikes.
  • Interest Rate Outlook Shift: The weak labor market has significantly lowered expectations for Federal Reserve interest rate increases, potentially resulting in declining bond yields that could impact stock market performance.
  • Market Reaction: Following the release of the employment data, stock prices experienced volatility during afternoon trading on July 4, reflecting investor uncertainty about future economic policies.
  • Challenges to Economic Recovery: The disappointing jobs data may pose greater challenges to economic recovery, as businesses might delay investment decisions, thereby affecting overall economic growth.
Fool
9.5
07-06Fool
SoFi Technologies Reports 41% Revenue Growth Amid Stock Drop
  • Significant Revenue Growth: SoFi Technologies reported a 41% year-over-year increase in adjusted net revenue for Q1 2026, with its core lending business driving a 53% rise in adjusted net revenue, demonstrating strong performance even in a high-interest rate environment.
  • Robust Loan Originations: Loan originations surged by 68%, with personal loans, student loans, and home loans increasing by 51%, 119%, and 137% respectively, indicating healthy growth across all loan categories.
  • Rapid User Growth: The company added a record 1.1 million new members in Q1, with cross-selling accelerating to 43%, highlighting SoFi's significant expansion in the digital financial app space and its ability to convert customers effectively.
  • Impact of Short-Seller Report: Despite strong overall performance, a short-seller report from Muddy Waters alleging misleading accounting practices led to a 32% drop in stock price, reflecting market concerns over its premium valuation and potential vulnerabilities.
NASDAQ.COM
9.5
07-06NASDAQ.COM
SoFi Reports Strong Growth in Q1 2026
  • Core Business Growth: SoFi's core lending segment achieved a 53% increase in adjusted net revenue in Q1 2026, driving overall revenue growth of 41% year-over-year, which enhances market confidence in its future prospects despite high interest rates.
  • Surge in Loan Originations: Loan originations surged by 68% year-over-year, with personal loans up 51%, student loans up 119%, and home loans up 137%, indicating significant progress across all loan categories and solidifying SoFi's market position.
  • Rapid User Growth: SoFi onboarded 1.1 million new members in Q1, with cross-selling strategies accelerating cross-buy rates to 43%, which not only boosts customer loyalty but also lays a strong foundation for future revenue growth.
  • Mediocre Tech Platform Performance: Despite strong overall performance, SoFi's Tech Platform segment saw a 27% year-over-year decline in sales in Q1, indicating a need for management to reassess its strategy to enhance competitiveness in this area.
stocktwits
6.5
07-06stocktwits
Wood's Fourth Consecutive Purchase of SoFi Shares
  • Share Accumulation: Cathie Wood's ARK Investment Management has made four consecutive purchases of SoFi shares over the past week, including an $85,700 purchase on July 1 and approximately $5.3 million in shares over the preceding two days, indicating strong confidence in SoFi's future prospects.
  • Market Reaction: Following Wood's purchases, shares of SoFi Technologies Inc. (SOFI) rose 0.88% in pre-market trading on Monday, reflecting a positive market response to her investment decisions, despite retail sentiment around SOFI remaining bearish.
  • New Product Launch: SoFi recently launched Small Business Loans, offering fixed-rate financing of up to $250,000 with funding completed within 24 hours of approval, aimed at enhancing its competitive position in the market and attracting more customers.
  • Investor Sentiment: While some investors view Wood's purchases as a signal to sell, many believe her historical investment timing suggests that buying during market downturns is often a smart move, reflecting trust in her investment strategy.
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
Wall Street analysts forecast SOFI stock price to rise
5 Buy
6 Hold
3 Sell
Hold
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Keefe Bruyette
Underperform
maintain
$16
AI Analysis
2026-06-30
Reason
Keefe Bruyette
Price Target
$16
AI Analysis
2026-06-30
maintain
Underperform
Reason
Keefe Bruyette keeps an Underperform rating on SoFi Technologies with a $16 price target after the company announced the launch of small business loans. Keefe does not expect a significant financial impact from the new offering in the near-term. However, continued investments into small businesses with expanded product offerings could help SoFi develop a \"sizable business over time,\" the analyst tells investors in a research note.
Truist
Matthew Coad
Hold
downgrade
$20 -> $17
2026-05-12
Reason
Truist
Matthew Coad
Price Target
$20 -> $17
2026-05-12
downgrade
Hold
Reason
Truist analyst Matthew Coad lowered the firm's price target on SoFi Technologies to $17 from $20 and keeps a Hold rating on the shares as part of a broader research note on Payments following the group's Q1 results. The firm is cutting its Q2 revenue forecast on sale assumptions for the loan platform business as well as lower expectations for SoFi's technology platform segment, the analyst tells investors in a research note.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SOFI
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Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 30.12, compared to its 5-year average forward P/E of 20.48. For a more detailed relative valuation and DCF analysis to assess SoFi Technologies Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
20.48
Current PE
30.12
Overvalued PE
84.97
Undervalued PE
-44.01

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average EV/EBITDA
14.94
Current EV/EBITDA
16.90
Overvalued EV/EBITDA
17.21
Undervalued EV/EBITDA
12.66

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
4.85
Current PS
4.08
Overvalued PS
7.42
Undervalued PS
2.28

Financials

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Whales Holding SOFI

A
Accel Partners
Holding
SOFI
+56.41%
3M Return
A
ARK Investment Management LLC
Holding
SOFI
+22.89%
3M Return
W
Walleye Capital LLC
Holding
SOFI
+19.51%
3M Return
D
D. E. Shaw & Co., L.P.
Holding
SOFI
+19.27%
3M Return
I
IMC Trading B.V.
Holding
SOFI
+15.91%
3M Return
C
Clear Street LLC
Holding
SOFI
+14.78%
3M Return

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Frequently Asked Questions

What is SoFi Technologies Inc (SOFI) stock price today?

The current price of SOFI is 17.75 USD — it has decreased -4.62

What is SoFi Technologies Inc (SOFI)'s business?

SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.

What is the price predicton of SOFI Stock?

Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is SoFi Technologies Inc (SOFI)'s revenue for the last quarter?

SoFi Technologies Inc revenue for the last quarter amounts to 929.25M USD, increased 46.05

What is SoFi Technologies Inc (SOFI)'s earnings per share (EPS) for the last quarter?

SoFi Technologies Inc. EPS for the last quarter amounts to 0.12 USD, increased 100.00

How many employees does SoFi Technologies Inc (SOFI). have?

SoFi Technologies Inc (SOFI) has 6100 emplpoyees as of July 08 2026.

What is SoFi Technologies Inc (SOFI) market cap?

Today SOFI has the market capitalization of 22.77B USD.