SoFi Technologies, Inc. (SOFI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 751 | 1,088 | 1,763 | 2,898 | 3,704 | 4,770 | 5,583 | 4,858 |
| Operating profit | $m | 526 | 738 | ||||||
| Net profit | $m | -224 | -484 | -320 | -301 | 499 | 481 | 636 | 733 |
| EPS reported | $ | 0.39 | 0.48 | ||||||
| Operating cashflow per share | $ | -3.25 | -3.65 | ||||||
| Capex per share | $ | 0.21 | 0.23 | ||||||
| FCF per share | $ | -3.46 | -3.88 | ||||||
| Free cash flow | $m | -3,985 | -4,985 | ||||||
| Net debt | $m | -5,545 | -3,947 | ||||||
| Book value equity | $m | 10,489 | 11,076 | ||||||
| Book value per share | $ | 8.38 | 8.19 | ||||||
| Number of shares | m | 1,251.77 | 1,351.99 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 67.13 | 34.54 | ||||||
| P/B LTM | x | 2.87 | 2.72 | ||||||
| P/S LTM | x | 6.31 | 5.39 | ||||||
| P/FCF LTM | x | -7.56 | -6.04 | ||||||
| EV/EBITDA LTM | x | 35.68 | 29.24 | ||||||
| EV/Sales LTM | x | 5.69 | 4.25 | ||||||
| Earnings Yield LTM | % | +1.49% | +2.90% | ||||||
| FCF Yield | % | -13.23% | -16.55% | ||||||
| Quality | |||||||||
| ROE | % | +4.59% | +6.18% | ||||||
| ROIC | % | +3.79% | -1.77% | ||||||
| Operating margin | % | +11.03% | +13.22% | ||||||
| Gross margin | % | +75.12% | +76.46% | ||||||
| FCF/Sales | % | -83.55% | -89.29% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | 0.00% | +23.08% | ||||||
| Sales Growth YoY | % | +28.78% | +50.73% | ||||||
| Net Income Growth YoY | % | -3.48% | +27.59% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +125.36% | +216.16% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | -100.00% | -100.00% | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | -2.06 | -1.46 | ||||||
| Net Debt/EBITDA | x | -3.94 | 0.30 | ||||||
| EBIT/Net interest | x | 0.45 | 0.58 | ||||||
| Net debt/market cap | % | +6.03% | +14.07% | ||||||
| Net debt/Equity | x | -0.53 | -0.36 | ||||||
| Gross debt/equity | x | 0.18 | 0.31 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
SoFi Technologies, Inc. (SOFI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
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