SoFi Technologies, Inc. SOFI

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Price alert · SOFI

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16.76 USD -0.85 -4.83%

At close · Oct 30

16.76 0.00 0.00%

After hours · Oct 30, 7:58 PM ET

Bid
16.75 × 2
Ask
16.76 × 1
16.44 Day range 17.32
14.22 52-week range 32.21
YTD
-35.98%
1 year
-42.27%
Open
17.07
Prev close
17.61
Mkt cap
21.73B
Vol
64.31M
Avg vol
48.63M
EPS
0.55
P/E
30.47
Div yield
0.00%
More statistics
Low
16.44
High
17.32
Forward P/E
18.80
Beta
2.33
Short ratio
4.44
Inst. own
51.41%
Dividend
0.00
Ex-div date
Earnings
Jan 29, 2027
50-d avg
16.60
200-d avg
17.84
1y target
20.75

5D chart

Chart tools
Interval

Events in this range
  • Oct 27, 2026Earnings: 0.18; estimate 0.1623; surprise 10.91%
  • Oct 28, 2026Rating: Keefe, Bruyette & Woods · Underperform → Underperform
  • Oct 28, 2026Rating: Wells Fargo · Equal-Weight → Equal-Weight
  • Oct 28, 2026Rating: StoneX · Buy → Buy
  • Oct 28, 2026Rating: TD Cowen · Hold → Hold
  • Oct 28, 2026Rating: Scotiabank · Sector Outperform → Sector Outperform
  • Oct 29, 2026Rating: UBS · Neutral → Neutral
Signals (105)
NameTimeAgo
RSI: OversoldOct 30, 2:20 PM2 days ago
MACD: Sell SignalOct 30, 1:45 PM2 days ago
SMA: BearishOct 30, 12:45 PM2 days ago
SMA: BearishOct 30, 12:35 PM2 days ago
SMA: BullishOct 30, 12:30 PM2 days ago
SMA: BullishOct 30, 12:25 PM2 days ago
RSI: OversoldOct 30, 11:35 AM2 days ago
RSI: OversoldOct 30, 11:15 AM2 days ago
RSI: OversoldOct 30, 11:00 AM2 days ago
MACD: Buy SignalOct 30, 10:50 AM2 days ago
RSI: OversoldOct 30, 10:05 AM2 days ago
RSI: OversoldOct 30, 9:40 AM2 days ago
SMA: BearishOct 30, 9:30 AM2 days ago
SMA: BearishOct 30, 9:30 AM2 days ago
MACD: Sell SignalOct 30, 9:30 AM2 days ago
RSI: OversoldOct 30, 9:30 AM2 days ago
SMA: BullishOct 29, 3:50 PM3 days ago
SMA: BullishOct 29, 3:50 PM3 days ago
MACD: Buy SignalOct 29, 3:50 PM3 days ago
MACD: Sell SignalOct 29, 3:40 PM3 days ago
SMA: BearishOct 29, 3:35 PM3 days ago
SMA: BearishOct 29, 3:35 PM3 days ago
MACD: Buy SignalOct 29, 3:25 PM3 days ago
SMA: BullishOct 29, 3:15 PM3 days ago
SMA: BearishOct 29, 3:10 PM3 days ago
SMA: BullishOct 29, 2:45 PM3 days ago
SMA: BullishOct 29, 2:45 PM3 days ago
SMA: BearishOct 29, 2:20 PM3 days ago
SMA: BullishOct 29, 2:05 PM3 days ago
SMA: BearishOct 29, 2:00 PM3 days ago
SMA: BullishOct 29, 1:55 PM3 days ago
SMA: BearishOct 29, 1:50 PM3 days ago
SMA: BearishOct 29, 1:45 PM3 days ago
MACD: Sell SignalOct 29, 1:45 PM3 days ago
MACD: Buy SignalOct 29, 1:15 PM3 days ago
SMA: BullishOct 29, 12:50 PM3 days ago
SMA: BullishOct 29, 12:50 PM3 days ago
SMA: BullishOct 29, 12:35 PM3 days ago
SMA: BearishOct 29, 12:30 PM3 days ago
SMA: BearishOct 29, 12:00 PM3 days ago
SMA: BullishOct 29, 11:55 AM3 days ago
SMA: BearishOct 29, 11:45 AM3 days ago
MACD: Sell SignalOct 29, 11:40 AM3 days ago
MACD: Buy SignalOct 29, 11:25 AM3 days ago
RSI: OverboughtOct 29, 11:25 AM3 days ago
SMA: BullishOct 29, 11:00 AM3 days ago
SMA: BearishOct 29, 10:40 AM3 days ago
MACD: Sell SignalOct 29, 10:35 AM3 days ago
SMA: BearishOct 29, 10:25 AM3 days ago
RSI: OverboughtOct 29, 9:40 AM3 days ago
MACD: Buy SignalOct 28, 3:25 PM4 days ago
SMA: BullishOct 28, 3:20 PM4 days ago
SMA: BullishOct 28, 3:20 PM4 days ago
SMA: BearishOct 28, 3:10 PM4 days ago
MACD: Sell SignalOct 28, 3:10 PM4 days ago
SMA: BearishOct 28, 3:05 PM4 days ago
MACD: Buy SignalOct 28, 2:35 PM4 days ago
SMA: BullishOct 28, 2:30 PM4 days ago
SMA: BullishOct 28, 2:30 PM4 days ago
MACD: Sell SignalOct 28, 1:40 PM4 days ago
SMA: BearishOct 28, 1:35 PM4 days ago
MACD: Buy SignalOct 28, 12:50 PM4 days ago
SMA: BullishOct 28, 12:10 PM4 days ago
SMA: BearishOct 28, 12:05 PM4 days ago
SMA: BearishOct 28, 11:40 AM4 days ago
SMA: BullishOct 28, 11:20 AM4 days ago
SMA: BullishOct 28, 11:00 AM4 days ago
SMA: BearishOct 28, 10:55 AM4 days ago
MACD: Sell SignalOct 28, 10:25 AM4 days ago
SMA: BearishOct 28, 10:20 AM4 days ago
SMA: BullishOct 28, 9:30 AM4 days ago
SMA: BullishOct 28, 9:30 AM4 days ago
MACD: Buy SignalOct 28, 9:30 AM4 days ago
RSI: OverboughtOct 28, 9:30 AM4 days ago
MACD: Sell SignalOct 27, 3:40 PM5 days ago
SMA: BearishOct 27, 3:25 PM5 days ago
SMA: BullishOct 27, 2:55 PM5 days ago
MACD: Buy SignalOct 27, 2:50 PM5 days ago
SMA: BearishOct 27, 1:35 PM5 days ago
SMA: BullishOct 27, 1:20 PM5 days ago
SMA: BullishOct 27, 1:20 PM5 days ago
SMA: BearishOct 27, 1:15 PM5 days ago
SMA: BearishOct 27, 1:00 PM5 days ago
SMA: BullishOct 27, 12:55 PM5 days ago
SMA: BullishOct 27, 12:55 PM5 days ago
SMA: BearishOct 27, 12:30 PM5 days ago
MACD: Sell SignalOct 27, 10:55 AM5 days ago
SMA: BullishOct 27, 9:30 AM5 days ago
SMA: BullishOct 27, 9:30 AM5 days ago
RSI: OverboughtOct 27, 9:30 AM5 days ago
MACD: Buy SignalOct 26, 3:50 PM6 days ago
MACD: Sell SignalOct 26, 3:40 PM6 days ago
MACD: Buy SignalOct 26, 3:30 PM6 days ago
SMA: BullishOct 26, 3:15 PM6 days ago
SMA: BearishOct 26, 2:25 PM6 days ago
MACD: Sell SignalOct 26, 2:25 PM6 days ago
SMA: BearishOct 26, 2:20 PM6 days ago
SMA: BearishOct 26, 2:00 PM6 days ago
SMA: BearishOct 26, 2:00 PM6 days ago
SMA: BullishOct 26, 1:50 PM6 days ago
SMA: BullishOct 26, 1:50 PM6 days ago
MACD: Buy SignalOct 26, 1:15 PM6 days ago
SMA: BullishOct 26, 1:05 PM6 days ago
SMA: BearishOct 26, 11:45 AM6 days ago
SMA: BearishOct 26, 10:25 AM6 days ago

Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 1
  • P/B 2

Valuation

P/E 62.3×
FY 2017: 6.5×FY 2018: -4.8×FY 2019: -4.6×FY 2020: -4.6×FY 2021: -15.8×FY 2022: -11.5×FY 2023: -27.6×FY 2024: 33.5×FY 2025: 62.3×
FY 2017 5y median -11.5× FY 2025
P/S 6.3×
FY 2017: 0.5×FY 2018: 2.0×FY 2019: 1.7×FY 2020: 1.9×FY 2021: 7.7×FY 2022: 2.4×FY 2023: 3.2×FY 2024: 4.4×FY 2025: 6.3×
FY 2017 5y median 4.4× FY 2025
P/B 2.9×
FY 2017: 0.0×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 1.8×FY 2022: 0.8×FY 2023: 1.7×FY 2024: 2.5×FY 2025: 2.9×
FY 2017 5y median 1.8× FY 2025
P/FCF -7.6×
FY 2017: 5.9×FY 2018: 1.2×FY 2019: -13.2×FY 2020: -2.9×FY 2021: -5.9×FY 2022: -0.6×FY 2023: -1.3×FY 2024: -12.6×FY 2025: -7.6×
FY 2017 5y median -5.9× FY 2025
EV/EBITDA 35.7×
FY 2017: 0.0×FY 2018: -30.2×FY 2019: -25.9×FY 2020: -21.8×FY 2021: -31.7×FY 2022: -50.0×FY 2023: -117×FY 2024: 38.5×FY 2025: 35.7×
FY 2017 5y median -31.7× FY 2025
EV/Sales 5.7×
FY 2017: 0.0×FY 2018: 12.2×FY 2019: 8.0×FY 2020: 7.5×FY 2021: 11.1×FY 2022: 4.7×FY 2023: 4.0×FY 2024: 4.5×FY 2025: 5.7×
FY 2017 5y median 4.7× FY 2025
FCF Yield -13.2%
FY 2017: 16.8%FY 2018: 82.9%FY 2019: -7.6%FY 2020: -34.9%FY 2021: -16.8%FY 2022: -177.2%FY 2023: -78.1%FY 2024: -7.9%FY 2025: -13.2%
FY 2017 5y median -16.8% FY 2025

Profitability

Gross Margin 75.1%
FY 2017: 61.4%FY 2018: 44.9%FY 2019: 61.4%FY 2020: 75.3%FY 2021: 89.9%FY 2022: 86.2%FY 2023: 70.9%FY 2024: 69.7%FY 2025: 75.1%
FY 2017 5y median 75.1% FY 2025
Operating Margin 11.0%
FY 2017: 7.0%FY 2018: -42.2%FY 2019: -33.2%FY 2020: -43.7%FY 2021: -44.2%FY 2022: -18.1%FY 2023: -10.4%FY 2024: 6.3%FY 2025: 11.0%
FY 2017 5y median -10.4% FY 2025
Net Margin 10.1%
FY 2017: 6.0%FY 2018: -42.1%FY 2019: -33.2%FY 2020: -29.8%FY 2021: -44.5%FY 2022: -18.2%FY 2023: -10.4%FY 2024: 13.5%FY 2025: 10.1%
FY 2017 5y median -10.4% FY 2025
ROE 4.6%
FY 2017: 0.0%FY 2018: -13.9%FY 2019: -11.4%FY 2020: -7.3%FY 2021: -10.3%FY 2022: -5.8%FY 2023: -5.4%FY 2024: 7.6%FY 2025: 4.6%
FY 2017 5y median -5.4% FY 2025
ROIC 3.8%
FY 2017: 0.0%FY 2018: -2.9%FY 2019: -3.4%FY 2020: -2.9%FY 2021: -5.4%FY 2022: -2.8%FY 2023: -2.7%FY 2024: 2.4%FY 2025: 3.8%
FY 2017 5y median -2.7% FY 2025
ROA 1.0%
FY 2017: 0.0%FY 2018: -3.0%FY 2019: -3.3%FY 2020: -2.6%FY 2021: -5.3%FY 2022: -1.7%FY 2023: -1.0%FY 2024: 1.4%FY 2025: 1.0%
FY 2017 5y median -1.0% FY 2025

Growth (YoY)

Revenue 28.8%
FY 2017: 0.0%FY 2018: -27.2%FY 2019: 20.2%FY 2020: 4.2%FY 2021: 44.8%FY 2022: 62.1%FY 2023: 64.4%FY 2024: 27.8%FY 2025: 28.8%
FY 2017 FY 2025
Operating Income 125.4%
FY 2017: 0.0%FY 2018: -539.6%FY 2019: 5.4%FY 2020: -37.1%FY 2021: -46.5%FY 2022: 33.8%FY 2023: 5.5%FY 2024: 177.5%FY 2025: 125.4%
FY 2017 FY 2025
EPS (diluted) 0.0%
FY 2017: 0.0%FY 2018: -263.4%FY 2019: -4.4%FY 2020: -20.3%FY 2021: 63.4%FY 2022: 60.0%FY 2023: 10.0%FY 2024: 208.3%FY 2025: 0.0%
FY 2017 FY 2025
Free Cash Flow -210.5%
FY 2017: 0.0%FY 2018: 1448.2%FY 2019: -109.1%FY 2020: -445.8%FY 2021: -178.3%FY 2022: -424.8%FY 2023: 0.2%FY 2024: 82.5%FY 2025: -210.5%
FY 2017 FY 2025

Financial Health

Current Ratio 0.2×
FY 2017: 0.0×FY 2018: 44.3×FY 2019: 1.4×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2017 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2017: 0.0×FY 2018: 44.3×FY 2019: 1.4×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2017 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2017: 0.0×FY 2018: 3.6×FY 2019: 2.4×FY 2020: 1.7×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 0.5×FY 2025: 0.2×
FY 2017 5y median 0.9× FY 2025
Net Debt / EBITDA -3.9×
FY 2017: 0.0×FY 2018: -25.2×FY 2019: -20.5×FY 2020: -16.2×FY 2021: -9.7×FY 2022: -25.2×FY 2023: -22.8×FY 2024: 1.5×FY 2025: -3.9×
FY 2017 5y median -9.7× FY 2025
Interest Coverage 0.5×
FY 2017: 0.0×FY 2018: -0.8×FY 2019: -0.9×FY 2020: -1.8×FY 2021: -4.7×FY 2022: -1.7×FY 2023: -0.4×FY 2024: 0.2×FY 2025: 0.5×
FY 2017 5y median -0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2017: 0.2%FY 2018: 0.0%FY 2019: 2.0%FY 2020: 2.8%FY 2021: 0.5%FY 2022: 1.0%FY 2023: 0.4%FY 2024: 0.1%FY 2025: 0.0%
FY 2017 5y median 0.4% FY 2025
Payout Ratio 0.0%
FY 2017: 1.3%FY 2018: 0.0%FY 2019: -10.0%FY 2020: -18.1%FY 2021: -8.4%FY 2022: -12.6%FY 2023: -13.4%FY 2024: 3.3%FY 2025: 0.0%
FY 2017 5y median -8.4% FY 2025

Annual · latest fiscal year ends 2025-12-31