A Business at a Glance
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Company Overview We are a mission driven company designed to help our members achieve financial independence in order to realize their ambitions. To us, financial independence does not mean being wealthy, but rather represents the ability of our members to have the financial means to achieve their personal objectives at each stage of life, such as owning a home, having a family, or having a career of their choice — more simply stated, to have enough money to do what they want. We were founded in 2011 and have developed a suite of financial products that offers the speed, selection, content and convenience that only an integrated digital platform can provide. In order for us to achieve our mission, we have to help people get their money right, which means providing them with the ability to borrow better, save better, spend better, invest better and protect better.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.6B | 3.6B | 2.7B | 2.1B | 1.6B | 985M |
| Net Income | 481M | 481M | 499M | -301M | -320M | -484M |
| EPS | $0.39 | $0.39 | $0.39 | $-0.36 | $-0.40 | $-1.00 |
| Free Cash Flow | 3.5B | 3.5B | -1.3B | -7.3B | -7.3B | -1.4B |
| ROIC | 6.5% | 5.7% | 7.6% | -5.7% | -3.0% | -5.8% |
| Gross Margin | 83.1% | 83.1% | 82.7% | 82.1% | 80.1% | 73.9% |
| Debt/Equity | 0.17 | 0.17 | 0.47 | 1.00 | 2.11 | 1.80 |
| Dividends/Share | $0.00 | $0.00 | $0.00 | $0.05 | $0.05 | $0.08 |
| Operating Income | 526M | 526M | 233M | -301M | -319M | -481M |
| Operating Margin | 14.6% | 14.6% | 8.7% | -14.2% | -20.3% | -48.9% |
| ROE | 4.6% | 5.7% | 7.6% | -5.7% | -6.2% | -11.1% |
| Shares Outstanding | 1,234M | 1,234M | 1,279M | 835M | 801M | 484M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | |||
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 443M | 566M | 985M | 1.6B | 2.1B | 2.7B | 3.6B | 3.6B |
| Gross Margin | 73.7% | 68.4% | 73.9% | 80.1% | 82.1% | 82.7% | 83.1% | 83.1% |
| R&D | 147M | 201M | 276M | 405M | 511M | 552M | 648M | 648M |
| SG&A | 152M | 237M | 499M | 502M | 511M | 600M | 704M | 704M |
| EBIT | -240M | -329M | -481M | -319M | -301M | 233M | 526M | 526M |
| Op. Margin | -54.1% | -58.1% | -48.9% | -20.3% | -14.2% | 8.7% | 14.6% | 14.6% |
| Net Income | -264M | -317M | -484M | -320M | -301M | 499M | 481M | 481M |
| Net Margin | -59.6% | -56.1% | -49.1% | -20.4% | -14.2% | 18.6% | 13.3% | 13.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 260M | 1.5M | 948K | 948K |
| Returns on Capital | ||||||||
| ROIC | -4.4% | -3.8% | -5.8% | -3.0% | -5.7% | 7.6% | 5.7% | 6.5% |
| ROE | N/A | N/A | -11.1% | -6.2% | -5.7% | 7.6% | 5.7% | 4.6% |
| ROA | N/A | -7.6% | -5.3% | -1.7% | -1.0% | 1.4% | 1.1% | 1.0% |
| Cash Flow | ||||||||
| Op. Cash Flow | -55M | -479M | -1.4B | -7.3B | -7.2B | -1.1B | 3.7B | 3.7B |
| Free Cash Flow | -92M | -504M | -1.4B | -7.3B | -7.3B | -1.3B | 3.5B | 3.5B |
| Owner Earnings | -132M | -649M | -1.7B | -7.7B | -7.7B | -1.6B | 3.2B | 3.2B |
| CapEx | 38M | 25M | 52M | 93M | 111M | 154M | 242M | 242M |
| Maint. CapEx | 16M | 70M | 102M | 151M | 201M | 203M | 234M | 234M |
| Growth CapEx | 22M | 0 | 0 | 0 | 0 | 0 | 8.3M | 8.3M |
| D&A | 16M | 70M | 102M | 151M | 201M | 203M | 234M | 234M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.5% |
| Capital Allocation | ||||||||
| Dividends Paid | 24M | 41M | 40M | 40M | 40M | 17M | 0 | 0 |
| Dividend Yield | N/A | N/A | 0.5% | 0.7% | 0.7% | 0.1% | N/A | N/A |
| Share Buybacks | 8.8M | 40K | 526K | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.0% | N/A | 0.0% | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 61M | 100M | 239M | 306M | 271M | 246M | 262M | 262M |
| Debt Repayment | 12.8B | 9.7B | 10.4B | 8.3M | 12M | 7.6M | 3.0M | 3.0M |
| Balance Sheet | ||||||||
| Net Debt | 12.0B | 5.0B | 6.9B | 8.1B | -937M | -2.0B | -8.0B | -3.1B |
| Cash & Equiv. | 499M | 873M | 495M | 1.4B | 3.1B | 2.5B | 4.9B | 4.9B |
| Long-Term Debt | 12.5B | 4.8B | 3.9B | 5.5B | N/A | N/A | N/A | 1.8B |
| Debt/Equity | -36.74 | -49.02 | 1.80 | 2.11 | 1.00 | 0.47 | 0.17 | 0.17 |
| Interest Coverage | -0.9 | -1.8 | -4.7 | -1.7 | -0.1 | 0.1 | 0.1 | 0.1 |
| Equity | -339M | -120M | 4.4B | 5.2B | 5.2B | 6.5B | 10.5B | 10.5B |
| Total Assets | -199M | 8.6B | 9.2B | 19.0B | 30.1B | 36.3B | 50.7B | 50.7B |
| Total Liabilities | 2.0M | 5.5B | 4.5B | 13.5B | 24.5B | 29.7B | 40.2B | 40.2B |
| Intangibles | N/A | 355M | 285M | 442M | 364M | 298M | 232M | 232M |
| Retained Earnings | N/A | -699M | -1.2B | -1.5B | -1.8B | -1.3B | -824M | -824M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||
| EPS | -4.02 | -4.30 | -1.00 | -0.40 | -0.36 | 0.39 | 0.39 | 0.39 |
| Owner EPS | -2.01 | -8.80 | -3.49 | -9.63 | -9.22 | -1.23 | 2.63 | 2.63 |
| Book Value | -5.17 | -1.63 | 9.05 | 6.50 | 6.27 | 5.10 | 8.50 | 8.50 |
| Cash Flow/Share | -0.83 | -6.50 | -2.79 | -9.06 | -8.65 | -0.88 | 3.03 | 0.58 |
| Dividends/Share | 0.36 | 0.55 | 0.08 | 0.05 | 0.05 | 0.00 | 0.00 | 0.00 |
| Shares Out. | 65.6M | 73.8M | 483.9M | 801.0M | 835.4M | 1.3B | 1.2B | 1.2B |
| Valuation | ||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | 41.0 | N/A | 43.7 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34.1 |
| Price/Book | N/A | N/A | 1.6 | 0.7 | 1.6 | 3.1 | N/A | 2.0 |
| Price/Sales | N/A | N/A | N/A | 19.7 | 18.8 | 32.0 | N/A | 5.8 |
| FCF Yield | N/A | N/A | -19.5% | -209.9% | -85.5% | -6.2% | N/A | 16.6% |
| Market Cap | 0 | N/A | 7.2B | 3.5B | 8.6B | 20.4B | 0 | 21.0B |
| Avg. Price | 0.00 | N/A | 18.09 | 7.51 | 7.30 | 8.78 | 0.00 | 17.05 |
| Year-End Price | 0.00 | N/A | 14.85 | 4.37 | 10.28 | 15.98 | 0.00 | 17.05 |
SoFi Technologies, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
SoFi Technologies, Inc. trades at 30.4x trailing earnings, compared to its 15-year median P/E of 41.0x, suggesting it is currently Cheap relative to its historical range. The company's 5-year average gross margin is 80.4%. At current prices, the estimated annualized return to fair value is +90.0%.
SoFi Technologies, Inc. (SOFI) has a current P/E ratio of 30.4, compared to its historical median P/E of 41.0. The stock is currently considered Cheap based on its historical valuation range.
SoFi Technologies, Inc. (SOFI) has a 5-year average return on invested capital (ROIC) of -0.3%. This is below average and may indicate limited pricing power.
SoFi Technologies, Inc. (SOFI) has a market capitalization of $21.0B. It is classified as a large-cap stock.
SoFi Technologies, Inc. (SOFI) does not currently pay a regular dividend.
Based on historical P/E analysis, SoFi Technologies, Inc. (SOFI) appears cheap. The current P/E of 30.4 is 26% below its historical median of 41.0. The estimated fair value CAGR (P/E method) is 90.0%.
SoFi Technologies, Inc. (SOFI) operates in the Finance Services industry, within the Financials sector.
SoFi Technologies, Inc. (SOFI) reported annual revenue of $3.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
SoFi Technologies, Inc. (SOFI) has a net profit margin of 13.3%. This is a healthy margin.
SoFi Technologies, Inc. (SOFI) generated $3.5 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SoFi Technologies, Inc. (SOFI) has a debt-to-equity ratio of 0.17. This indicates a conservatively financed balance sheet.
SoFi Technologies, Inc. (SOFI) reported earnings per share (EPS) of $0.39 in its most recent fiscal year.
SoFi Technologies, Inc. (SOFI) has a return on equity (ROE) of 5.7%. This indicates moderate shareholder returns.
SoFi Technologies, Inc. (SOFI) has a 5-year average gross margin of 80.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 7 years of financial data for SoFi Technologies, Inc. (SOFI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SoFi Technologies, Inc. (SOFI) has a book value per share of $8.50, based on its most recent annual SEC filing.