SoFi Technologies Inc.
SOFI | NASDAQ
$16.76
-$0.85 (-4.83%)
At close: Oct 30, 2026, 3:59 PM ET
$17.01
+$0.25 (+1.49%)
Pre-market:
Nov 2, 2026, 4:46 AM ET
Market Data
Market Cap $21.65B
Enterprise Value $17.82B
Beta 2.33
Average Volume 59.49M
Shares Outstanding (Diluted) 1.36B
Shares Change YoY 5.17%
Institutional Ownership 51.45%
Exchange NASDAQ
ISIN US83406F1021
Price Performance
Price Change 1M 6.6%
Price Change 3M 2.8%
Price Change 6M 2.0%
Price Change YTD -36.0%
Price Change 1Y -43.5%
Price Change 3Y 122.0%
Price Change 5Y -16.6%
1M CAGR (ann.) -1.2%
1Y CAGR (ann.) -45.8%
5Y CAGR (ann.) -4.0%
All-Time CAGR 8.3%
Valuation
PE Ratio 30.47
Forward PE 20.68
PEG Ratio -17.05
Forward PEG 0.45
PS Ratio 3.54
Forward PS 3.40
PB Ratio 1.92
P/FCF Ratio -4.34
P/Adj. FCF Ratio -4.17
P/OCF Ratio -4.62
EV/Sales 2.92
EV/EBIT 13.50
EV/EBITDA 11.69
EV/FCF -3.58
Earnings Yield 3.3%
FCF Yield -23.0%
Adj. FCF Yield -24.0%
Financial Health
Net Cash $3.94B
Total Debt $3.98B
Cash & Short-Term Investments $7.8B
Total Assets $67.77B
Current Ratio 0.83
Quick Ratio 0.83
Debt / Equity Ratio 0.35
Debt / EBITDA 2.61
Debt / FCF -0.80
OCF / Debt -1.18
Interest Coverage 0.66
Altman Z-Score 0.24
Piotroski F-Score 3
Margins & Profitability
Gross Profit Margin 76.7%
Operating Profit Margin 14.8%
EBITDA Margin 24.9%
Net Profit Margin 12.1%
FCF Margin -81.5%
Adj. FCF Margin -85.0%
SBC / Revenue 3.5%
SBC Impact (per share) -4.3%
Returns
Return on Assets 1.1%
Return on Equity 6.8%
Return on Invested Capital 4.5%
Return on Capital Employed 5.5%
Return on Tangible Assets 1.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 33.0%
Revenue CAGR 5Y 43.4%
Revenue CAGR 10Y N/A
EPS CAGR 3Y 52.9%
EPS CAGR 5Y 574.1%
EPS CAGR 10Y N/A
FCF CAGR 3Y -29.9%
FCF CAGR 5Y 7.6%
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Buy
Analyst Count 17
EPS Growth Next 3Y 39.7%
Revenue Growth Next 3Y 15.0%
Earnings Date Jan 29, 2027
EPS Estimate (next Q) $0.20
EPS Growth Est (next Q) 53.9%
Revenue Est (next Q) $1.38B
Revenue Growth Est (next Q) 36.6%
Fair Value Estimates
Graham Number $10.40
Graham Upside -38.0%
Lynch Fair Value $13.75
Lynch Upside -18.0%
Price Target $21.77
Price Target Upside 29.9%
Cash Flow
Operating Cash Flow $-4.69B
Free Cash Flow $-4.98B
Adj. Free Cash Flow $-5.2B
FCF Per Share -$3.86
OCF Per Share -$3.63
OCF/S Ratio -76.7%
Income Statement
Revenue $6.11B
Gross Profit $4.69B
Operating Income $907.03M
EBITDA $1.52B
Net Income $737.86M
EPS (Diluted) $0.55
Revenue / Employee $1M
Profit / Employee $120.96K
Employees 6,100
Add to Watchlist
Select watchlists to add or remove SOFI