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StockVS

NASDAQ · Credit Services · USD

SoFi Technologies, Inc. (SOFI) Stock Analysis

SoFi Technologies, Inc. (SOFI) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

SOFI

$14.90

+$0.22 (+1.50%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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SOFI Key Statistics

As of Oct 21, 2026
Trading
Open
$14.84
Previous Close
$14.68
Day's Range
14.66–15.11
52-Week Range
13.86–32.73
Volume
33.42M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
2.33
Valuation
Market Cap
$19.24B
P/E Ratio
30.41
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
18.07
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.52
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
4.51
EPS (ttm)Profit attributable to each share over the last twelve months.
0.49
Financials (FY)
Revenue (FY)
$3.61B+38.32%
Net Income (FY)
$481.32M−3.48%
Profit marginThe share of revenue left as profit after all costs and taxes.
14.91%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
1.29B
1-Year Return
−48.17%
Dividend and dates
Earnings Date
October 27, 2026
Avg Volume
52.05M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, SOFI closed at $14.90, −48.17% over 1 year.

SoFi Technologies, Inc. (SOFI) has a market capitalization of $19.24B.

In fiscal 2025, SOFI reported revenue of $3.61B.

SOFI Stock Return by Calendar Year

SoFi Technologies, Inc. (SOFI) return since Jan 2021: what $10,000 became

1 year
$10,000 $5,183
−48.17%
5 years
$10,000 $7,099
−29.01%
Since Jan 2021
$10,000 $12,213
+22.13%

If you had invested $10,000 in SoFi Technologies, Inc. (SOFI) at the close on January 4, 2021, the earliest close on record here, it would have been worth $12,213 at the close on October 21, 2026: +22.13% in total, +3.51% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−43.09%
2025+70.00%
2024+54.77%
2023+115.84%
2022−70.84%
2021+29.59%

As of October 21, 2026.

SOFI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$3.61B$481.32M13.3%
2024$2.61B$498.67M19.1%
2023$2.11B−$300.74M−14.3%
2022$1.57B−$320.41M−20.4%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$3.61B——$481.32M13.3%
2024$2.61B——$498.67M19.1%
2023$2.11B——−$300.74M−14.3%
2022$1.57B——−$320.41M−20.4%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

SOFI Valuation vs Credit Services Median

Median of 56 stocks
MetricSOFICredit Services medianvs median
P/E30.4110.91179% above
P/S ratio4.511.503.0x the median
Profit margin14.91%9.89%5.0 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

SoFi Technologies, Inc. (SOFI) carries a market capitalisation of $19.24B. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 6,100 employees.

SOFI last closed at $14.90 on October 21, 2026. That is +$0.22 (+1.50%) against the previous close. Over the past 52 weeks the price has ranged from $13.86 to $32.73. The latest close sits 7.5% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $3.61B. Against the prior fiscal year total of $2.61B, that is a change of +38.32%. Net income for the same year was $481.32M. That is −3.48% against the prior fiscal year. The reported profit margin is 14.91%. That is 5 percentage points above the Credit Services median of 9.89%. Trailing earnings per share are 0.49.

Across the 4 fiscal years on file, revenue moves from $1.57B in 2022 to $3.61B in 2025. Of those 4 years, 2 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 30.41. That is 178.74% above the Credit Services median of 10.91. The forward P/E on file is 18.07. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.52. The price-to-sales ratio is 4.51. On price-to-sales that is 3 times the Credit Services median of 1.5. 56 Credit Services companies report these metrics, and the medians quoted come from that group.

The reported beta is 2.33. Daily returns over the trailing 5 years annualize to a volatility of 65.72%. Over the trailing twelve months the total return is −48.17%. Measured over 5 years, that is −6.62% a year compounded.

Growth & Income

The record shows no dividend for SOFI.

So far in 2026 the total return is −43.09%. Across the complete calendar years on file, 2023 returned +115.84% and 2022 returned −70.84%. Of the 5 complete calendar years on file, 4 finished higher.

Peer Comparison

SoFi Technologies, Inc. (SOFI) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
SoFi Technologies, Inc. SOFI $19.24B 30.4
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. SoFi Technologies, Inc. trades at a P/E of 30.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About SoFi Technologies, Inc.

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

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