SOFI

Company Overview — What Does SoFi Technologies, Inc. Do?

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California. SoFi Technologies, Inc. (SOFI) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Anthony J. Noto and employs approximately 4,200 people. With a market capitalization of $19.9B, SOFI is one of the prominent companies in the Financials sector.

SoFi Technologies, Inc. (SOFI) Stock Rating — Reduce (April 2026)

As of April 2026, SoFi Technologies, Inc. receives a Reduce rating with a composite score of 30.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.SOFI ranks #3,499 out of 4,446 stocks in our coverage universe. Within the Financials sector, SoFi Technologies, Inc. ranks #787 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SOFI Stock Price and 52-Week Range

SoFi Technologies, Inc. (SOFI) currently trades at $16.24. The stock lost $0.03 (0.2%) in the most recent trading session. The 52-week high for SOFI is $32.73, which means the stock is currently trading -50.4% from its annual peak. The 52-week low is $8.60, putting the stock 88.8% above its annual trough. Recent trading volume was 31.8M shares, indicating strong institutional interest and high liquidity.

Is SOFI Overvalued or Undervalued? — Valuation Analysis

SoFi Technologies, Inc. (SOFI) carries a value factor score of 51/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 55.75x, compared to the Financials sector average of 14.88x — a premium of 275%. The price-to-book ratio stands at 1.96x, versus the sector average of 1.22x. The price-to-sales ratio is 35.40x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SOFI trades at 50.80x EV/EBITDA, versus 3.26x for the sector.

Overall, SOFI's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

SoFi Technologies, Inc. Profitability — ROE, Margins, and Quality Score

SoFi Technologies, Inc. (SOFI) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 3.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.

On a margin basis, SoFi Technologies, Inc. reports gross margins of 1.8%. The operating margin is 68.5% (sector: 21.8%). Net profit margin stands at 62.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 29.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

SOFI Debt, Balance Sheet, and Financial Health

SoFi Technologies, Inc. has a debt-to-equity ratio of 383.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.26x, suggesting adequate working capital coverage. Total debt on the balance sheet is $2.71B. Cash and equivalents stand at $3.25B.

SOFI has a beta of 2.19, meaning it is more volatile than the broader market — a $10,000 investment in SOFI would be expected to move 118.8% more than the S&P 500 on any given day. The stability factor score for SoFi Technologies, Inc. is 39/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

SoFi Technologies, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, SoFi Technologies, Inc. reported revenue of $580M and earnings per share (EPS) of $0.42. Net income for the quarter was $369M. Gross margin was 1.8%. Operating income came in at $404M.

In FY 2025, SoFi Technologies, Inc. reported revenue of $619M and earnings per share (EPS) of $0.42. Net income for the quarter was $481M. Gross margin was 1.7%. Revenue grew 23.1% year-over-year compared to FY 2024. Operating income came in at $526M.

In Q3 2025, SoFi Technologies, Inc. reported revenue of $157M and earnings per share (EPS) of $0.12. Net income for the quarter was $139M. Gross margin was -2.9%. Revenue grew 19.5% year-over-year compared to Q3 2024. Operating income came in at $149M.

In Q2 2025, SoFi Technologies, Inc. reported revenue of $152M and earnings per share (EPS) of $0.09. Net income for the quarter was $97M. Gross margin was 1.0%. Revenue grew 25.8% year-over-year compared to Q2 2024. Operating income came in at $112M.

Over the past 8 quarters, SoFi Technologies, Inc. has demonstrated a growth trajectory, with revenue expanding from $121M to $580M. Investors analyzing SOFI stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SOFI Dividend Yield and Income Analysis

SoFi Technologies, Inc. (SOFI) does not currently pay a dividend. This is common among growth-oriented companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

SOFI Momentum and Technical Analysis Profile

SoFi Technologies, Inc. (SOFI) has a momentum factor score of 39/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 38/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

SOFI vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, SoFi Technologies, Inc. (SOFI) ranks #787 out of 891 stocks based on the Blank Capital composite score. This places SOFI in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing SOFI against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SOFI vs S&P 500 (SPY) comparison to assess how SoFi Technologies, Inc. stacks up against the broader market across all factor dimensions.

SOFI Next Earnings Date

No upcoming earnings date has been announced for SoFi Technologies, Inc. (SOFI) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SOFI? — Investment Thesis Summary

The quantitative profile for SoFi Technologies, Inc. suggests caution. The quality score of 10/100 flags below-average profitability. Momentum is weak at 39/100, a headwind for near-term performance. High volatility (stability score 39/100) increases portfolio risk.

In summary, SoFi Technologies, Inc. (SOFI) earns a Reduce rating with a composite score of 30.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SOFI stock.

Related Resources for SOFI Investors

Explore more research and tools: SOFI vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SOFI head-to-head with peers: SOFI vs WTM, SOFI vs OPY, SOFI vs ACT.