SoFi Technologies SOFI
- Market cap
- $18.9B
- PE
- 30.5×
- 2y median 46.4×
- Forward PE
- 20.3×
- 6y median 53.3×
- Revenue, 12 months
- $4.3B
- +41% on a year ago
- Net margin
- 14.8%
SoFi Technologies trades at 30.5× trailing earnings, cheaper than 97% of the last ten years. Revenue was $4.3B over the last twelve months, up 41% on a year earlier with a 15% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $537.2M+27% | $615.4M+35% | $645M+37% | $598.6M+20% | $697.1M+30% | $734.1M+19% | $771.8M+20% | $854.9M+43% | $961.6M+38% | $1B+40% | $1.1B+43% | $1.2B+43% | |
| Cost of revenue | $98.3M+18% | $103.9M+29% | $100.1M+19% | $109.7M+17% | $123.7M+26% | $128.2M+23% | $135.5M+35% | $150.4M+37% | $161.4M+31% | $161.6M+26% | $171.1M+26% | $200.1M+33% |
| Gross profit | $439M+29% | $511.5M+36% | $544.9M+40% | $488.9M+21% | $573.4M+31% | $606M+19% | $636.2M+17% | $704.5M+44% | $800.2M+40% | $863.4M+43% | $929.2M+46% | $1B+45% |
| R&D | $125.7M+14% | $141.8M+25% | $130.9M+12% | $132.2M+4% | $139.7M+11% | $149M+5% | $156.2M+19% | $152.1M+15% | $167.1M+20% | $172.8M+16% | $187.7M+20% | $191.3M+26% |
| SG&A | $311.2M+8% | $306.4M+7% | $312.6M+5% | $329.8M+5% | $363.8M+17% | $390.2M+27% | $394.6M+26% | $430.1M+30% | $475.3M+31% | $499.9M+28% | $533.1M+35% | $609.2M+42% |
| n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Interest expense | $219.3M+446% | $255.6M+159% | $263.2M+94% | $262M+47% | $292.4M+33% | $273.8M+7% | $265.1M+1% | $274.6M+5% | $306.4M+5% | $310.1M+13% | $308M+16% | $352.3M+28% |
| Pre-tax income | −$266.9M+259% | $51.2M | $94.2M | $15.3M | $63.9M | $59.9M+17% | $79.8M−15% | $112.2M+631% | $148.6M+133% | $185.3M+209% | $199.6M+150% | $204.3M+82% |
| −$244K+1% | $3.2M+207% | $6.2M | −$2.1M+16% | $3.1M | −$272.5M | $8.7M+40% | $14.9M | $9.2M+195% | $11.8M | $32.8M+279% | $47.7M+220% | |
| Net income | −$266.7M+259% | $47.9M | $88M | $17.4M | $60.7M | $332.5M+594% | $71.1M−19% | $97.3M+459% | $139.4M+130% | $173.5M−48% | $166.7M+134% | $156.6M+61% |
| −$0.29+222% | $0.04 | $0.02 | $0.01 | $0.05 | $0.28+600% | $0.06+200% | $0.08+700% | $0.11+120% | $0.13−54% | $0.12+100% | $0.12+50% | |
| 951.2M+4% | 962.7M+4% | 1B+12% | 1.1B+14% | 1.1B+16% | 1.2B+22% | 1.2B+14% | 1.2B+11% | 1.3B+17% | 1.3B+15% | 1.4B+16% | 1.4B+14% |
Revenue: Q1 FY20: 6 months less the 3 months printed beside them.
Cost of revenue: Q1 FY20: 6 months less the 3 months printed beside them.
Gross profit: Q1 FY20: 6 months less the 3 months printed beside them. 25 periods, Q2 FY20 to Q2 FY26: not printed by the filing, worked out from its own lines.
R&D: Q1 FY20: 6 months less the 3 months printed beside them.
SG&A: Q1 FY20: 6 months less the 3 months printed beside them.
Interest expense: Q1 FY20: 6 months less the 3 months printed beside them.
Pre-tax income: Q1 FY20: 6 months less the 3 months printed beside them.
Income tax: Q1 FY20: 6 months less the 3 months printed beside them.
Net income: Q1 FY20: 6 months less the 3 months printed beside them.
EPS, diluted: 7 periods, Q1 FY20 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: Q1 FY20: share-days: the 6-month average less the second quarter's. 3 periods, Q4 FY20 to Q4 FY22: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days. 3 periods, Q4 FY23 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Estimates
Next earnings report: .
| Quarter | Revenue | Range | EPS | Range | Analysts |
|---|---|---|---|---|---|
| Q3 FY26 | $1.3B | $1.2B to $1.3B | $0.17 | $0.15 to $0.18 | 8 |
| Q4 FY26 | $1.3B | $1.3B to $1.3B | $0.19 | $0.17 to $0.21 | 8 |
| Q1 FY27 | $1.4B | $1.3B to $1.4B | $0.17 | $0.17 to $0.18 | 3 |
| Q2 FY27 | $1.5B | $1.4B to $1.5B | $0.19 | $0.18 to $0.20 | 4 |
| Q3 FY27 | $1.5B | $1.5B to $1.6B | $0.23 | $0.22 to $0.23 | 3 |
| Q4 FY27 | $1.6B | $1.5B to $1.6B | $0.23 | $0.22 to $0.24 | 4 |
| Q1 FY28 | $1.7B | $1.7B to $1.7B | $0.23 | $0.22 to $0.24 | 4 |
| Q2 FY28 | $1.8B | $1.7B to $1.8B | $0.24 | $0.23 to $0.25 | 5 |
Peers
Companies in Financial - Credit Services nearest SoFi Technologies' size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| SOFISoFi Technologies | $18.9B | 30.5× | 46.4× | 20.3× | n/m | +41% | 14.8% |
| GPNGlobal Payments | $21.9B | n/m | 42.4× | 5.6× | 2.1× | +23% | −9.1% |
| RBARB Global | $15.6B | 36.1× | 41.8× | n/m | 3.2× | +10% | 10.0% |
| AFRMAffirm | $23.6B | 12.7× | 67.0× | 35.8× | 5.5× | +32% | 45.3% |
| SYFSynchrony Financial | $24B | 7.5× | 7.8× | 7.7× | n/m | +3% | 18.3% |
| CSGPCostar | $13.7B | 179× | 91.9× | n/m | 3.9× | +22% | 2.1% |
| CARTMaplebear | $13.1B | 31.0× | 25.9× | n/m | 3.3× | +13% | 12.0% |
| HQYHealthequity | $8.6B | 37.7× | 78.2× | n/m | 6.3× | +7% | 17.4% |
| ETSYEtsy | $8B | 53.3× | 50.6× | n/m | 2.8× | +4% | 7.3% |
| ZGZillow | $7.7B | 155× | 154× | n/m | 2.7× | +18% | 2.0% |
| PYPLPayPal | $48.8B | 10.8× | 41.8× | 10.3× | 1.4× | +6% | 14.4% |
| Peer median | $14.7B | 36.1× | 46.5× | 9.0× | 3.2× | +11% | 11.0% |
Investors who own it
Investors we follow who held SoFi Technologies at the end of Jun 30, 2026, from their 13F filings.
- Cathie WoodARK Investment Management0.4% of portfoliotrimmed
- Polen CapitalPolen Capital0.0% of portfoliotrimmed
More on SoFi Technologies
Each number over time
Where it ranks
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .