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    • SoFi Technologies Inc. logo

    SoFi Technologies Inc.

    SOFI | NASDAQ
    Chart Builder DCF Calculator
    $17.16
    +$0.19 (+1.12%)
    At close: Sep 22, 2026, 4:00 PM ET
    $17.22
    +$0.06 (+0.35%)
    After-hours: Sep 22, 2026, 7:59 PM ET
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $21.77B
    Enterprise Value
    $17.82B
    Beta
    2.21
    Average Volume
    71.51M
    Shares Outstanding (Diluted)
    1.35B
    Shares Change YoY
    14.17%
    Institutional Ownership
    55.28%
    Exchange
    NASDAQ
    ISIN
    US83406F1021

    Price Performance

    Price Change 1M
    -9.4%
    Price Change 3M
    -1.9%
    Price Change 6M
    2.5%
    Price Change YTD
    -38.2%
    Price Change 1Y
    -43.1%
    Price Change 3Y
    125.1%
    Price Change 5Y
    -3.8%
    1M CAGR (ann.)
    -7.7%
    1Y CAGR (ann.)
    -39.6%
    5Y CAGR (ann.)
    2.5%
    All-Time CAGR
    8.7%

    Valuation

    PE Ratio
    35.35
    Forward PE
    20.73
    PEG Ratio
    -8.82
    Forward PEG
    0.84
    PS Ratio
    3.90
    Forward PS
    3.60
    PB Ratio
    1.97
    P/FCF Ratio
    -8.60
    P/Adj. FCF Ratio
    -7.97
    P/OCF Ratio
    -4.65
    EV/Sales
    3.19
    EV/EBIT
    24.16
    EV/EBITDA
    19.22
    EV/FCF
    -7.04
    Earnings Yield
    2.8%
    FCF Yield
    -11.6%
    Adj. FCF Yield
    -12.5%

    Financial Health

    Net Cash
    $4.05B
    Total Debt
    $3.41B
    Cash & Short-Term Investments
    $7.35B
    Total Assets
    $60.95B
    Current Ratio
    0.16
    Quick Ratio
    0.16
    Debt / Equity Ratio
    0.31
    Debt / EBITDA
    3.67
    Debt / FCF
    -1.35
    OCF / Debt
    -0.67
    Interest Coverage
    0.58
    Altman Z-Score
    -0.38
    Piotroski F-Score
    3

    Margins & Profitability

    Gross Profit Margin
    76.5%
    Operating Profit Margin
    13.2%
    EBITDA Margin
    16.6%
    Net Profit Margin
    11.4%
    FCF Margin
    -45.4%
    Adj. FCF Margin
    -48.9%
    SBC / Revenue
    3.8%
    SBC Impact (per share)
    -7.8%

    Returns

    Return on Assets
    1.0%
    Return on Equity
    6.2%
    Return on Invested Capital
    -1.8%
    Return on Capital Employed
    5.0%
    Return on Tangible Assets
    1.1%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    34.3%
    Revenue CAGR 5Y
    42.4%
    Revenue CAGR 10Y
    N/A
    EPS CAGR 3Y
    138.2%
    EPS CAGR 5Y
    2630.0%
    EPS CAGR 10Y
    N/A
    FCF CAGR 3Y
    31.4%
    FCF CAGR 5Y
    17.3%
    FCF CAGR 10Y
    N/A

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    27
    EPS Growth Next 3Y
    45.8%
    Revenue Growth Next 3Y
    18.6%
    Earnings Date
    Oct 26, 2026
    EPS Estimate (next Q)
    $0.17
    EPS Growth Est (next Q)
    54.5%
    Revenue Est (next Q)
    $1.25B
    Revenue Growth Est (next Q)
    30.4%

    Fair Value Estimates

    Graham Number
    $9.65
    Graham Upside
    -43.1%
    Lynch Fair Value
    $12
    Lynch Upside
    -29.3%
    Price Target
    $21.58
    Price Target Upside
    27.2%

    Cash Flow

    Operating Cash Flow
    $-2.27B
    Free Cash Flow
    $-2.53B
    Adj. Free Cash Flow
    $-2.73B
    FCF Per Share
    -$3.88
    OCF Per Share
    -$3.65
    OCF/S Ratio
    -84.0%

    Income Statement

    Revenue
    $5.58B
    Gross Profit
    $4.27B
    Operating Income
    $737.74M
    EBITDA
    $927.45M
    Net Income
    $636.26M
    EPS (Diluted)
    $0.48
    Revenue / Employee
    $915.18K
    Profit / Employee
    $104.31K
    Employees
    6,100

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