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    S

    SoFi Technologies Inc. (SOFI)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $15.24
    +0.01 (+0.07%)

    Market Cap: $18.37B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    82%(18/22)
    Avg Surprise
    -22.15%
    Streak
    15 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.17
    Range$0.16 - $0.18
    7 analysts
    EPS Revisions
    1
    0
    7d
    1
    4
    30d
    EPS Estimate DriftChange to current
    90d ago$0.17-0.7%
    60d ago$0.17+0.8%
    30d ago$0.17+0.6%
    7d ago$0.170.0%
    Current$0.17
    Revenue Consensus
    $1.3B
    Range$1.2B - $1.3B
    16 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.20
    Range$0.16 - $0.23
    8 analysts
    Revenue Consensus
    $1.4B
    Range$1.3B - $1.6B
    19 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.20---
    Sep 26EST
    		-$0.17---
    Jun 26
    Reported Jul 29
    		$0.12$0.11+9.09%Beat+33.3%
    Mar 26
    Reported Apr 29
    		$0.12$0.12+0.00%Beat+100.0%
    Dec 25
    Reported Jan 30
    		$0.12$0.11+9.09%Beat+140.0%
    Sep 25
    Reported Oct 28
    		$0.10$0.08+25.00%Beat+100.0%
    Jun 25
    Reported Jul 29
    		$0.09$0.06+50.00%Beat+350.0%
    Mar 25
    Reported Apr 29
    		$0.06$0.03+100.00%Beat+100.0%
    Dec 24
    Reported Jan 27
    		$0.05$0.04+25.00%Beat+25.0%
    Sep 24
    Reported Oct 29
    		$0.05$0.04+25.00%Beat+266.7%
    Jun 24
    Reported Jul 30
    		$0.02$0.01+100.00%Beat+133.3%
    Mar 24
    Reported Apr 29
    		$0.03$0.01+200.00%Beat+175.0%
    Dec 23
    Reported Jan 29
    		$0.04$0.04+0.00%Beat+200.0%
    Sep 23
    Reported Oct 30
    		$-0.03N/A+66.67%Beat+62.5%
    Jun 23
    Reported Jul 31
    		$-0.06$-0.07+14.29%Beat+45.5%
    Mar 23
    Reported May 1
    		$-0.04N/A+55.56%Beat+71.4%
    Dec 22
    Reported Jan 30
    		$-0.04$-0.07+42.86%Beat+66.7%
    Sep 22
    Reported Nov 1
    		$-0.08$-0.07-14.29%Miss+33.3%
    Jun 22
    Reported Aug 2
    		$-0.11$-0.10-10.00%Miss+77.1%
    Mar 22
    Reported May 10
    		$-0.14$-0.15+6.67%Beat+36.4%
    Dec 21
    Reported Mar 1
    		$-0.12$-0.12+0.00%Beat-1100.0%
    Sep 21
    Reported Nov 10
    		$-0.12$-0.13+7.69%Beat+96.3%
    Jun 21
    Reported Aug 12
    		$-0.48$-0.05-860.00%Miss+85.8%
    Mar 21
    Reported May 24
    		$-0.22$-0.05-340.00%Miss-
    Dec 20
    Reported Mar 17
    		$-0.01N/AN/ABeat-
    Sep 20
    Reported Nov 20
    		$-3.23$0.00N/AMiss-
    Sep 19
    Reported Dec 31
    		$-3.39$0.00N/AMiss-

    Key Metrics

    Valuation
    P/E Ratio33.13EV/EBITDA19.51x
    Price/FCF-2.30xFCF Yield-43.48%
    Profitability
    Profit Margin14.90%Operating Margin17.00%
    ROE7.10%ROIC4.43%
    Financial Health
    Debt/Equity0.30xInterest Coverage0.58x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta2.33Avg Volume46.21M
    52-Week High$32.7352-Week Low$13.92

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$15.65
    SMA 20$16.15
    SMA 50$17.32
    SMA 200$18.55
    EMA 10$15.69
    EMA 20$16.12
    EMA 50$16.81
    EMA 200$18.29

    MACD

    Line: -0.54Signal: -0.50Hist: -0.04

    ADX

    ADX: 18.3+DI: 14.8-DI: 28.0

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down100.0
    PSAR$15.94

    Bollinger Bands

    Upper Band$17.36
    Lower Band$14.94
    %B Position1503%(Upper)
    Band Width0.13

    RSI (14-Day)

    Neutral
    33.4

    Momentum Oscillators

    Stoch %K10.2
    Stoch %D12.0
    Williams %R-91.8
    ROC (10d)-4.2%
    Momentum-0.67
    CCI (20d)-117.8
    MFI (14d)27.8

    Volatility Measures

    ATR (14d)$0.54(3.6%)
    StdDev (20d)0.61
    Hist Vol25.9%(Moderate)

    Volume Flow

    VWAP$15.22
    OBV175.5M
    AD Line-272.8M
    CMF (20d)-0.306

    Volume Metrics

    Avg Vol (20d)46.7M
    Vol Ratio0.7x
    VWMA (20d)$16.26

    Pivot Points

    R3$16.03
    R2$15.86
    R1$15.54
    Pivot Point$15.37
    S1$15.05
    S2$14.88
    S3$14.56

    Advanced Oscillators

    TSI-25.97
    Ultimate Osc42.4
    KST-109.57

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$1.22B$1.10B$1.03B$961.60M$854.94M$771.76M$734.13M$697.12M$598.62M$645.00M$615.40M$537.21M
    Cost of RevenueN/A$316.90M$315.55M$315.65M$284.60M$270.76M$280.64M$298.38M$273.65M$270.38M$267.69M$241.14M
    Gross ProfitN/A$1.09B$1.02B$952.40M$844.91M$766.08M$727.25M$687.78M$586.98M$578.62M$588.74M$515.38M
    Operating Expenses$1.00B$891.92M$834.31M$803.85M$732.72M$686.30M$667.32M$627.25M$571.64M$543.59M$509.30M$804.14M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$199.55M$185.33M$148.55M$112.19M$79.78M$59.92M$63.85M$15.34M$94.23M$51.16M$-266,928,000
    Interest Income$1.14B$1.00B$927.42M$891.56M$792.40M$763.81M$743.94M$723.37M$674.60M$665.91M$645.24M$564.27M
    Interest Expense$352.33M$308.01M$310.14M$306.45M$274.57M$265.09M$273.66M$292.36M$262.01M$263.30M$255.60M$219.31M
    Income Before Tax$204.31M$199.55M$185.33M$148.55M$112.19M$79.78M$59.92M$63.85M$15.34M$94.23M$51.16M$-266,928,000
    Income Tax Expense$47.72M$32.82M$11.78M$9.16M$14.93M$8.67M$-272,549,000$3.11M$-2,064,000$6.18M$3.25M$-244,000
    Net Income$156.59M$166.73M$173.55M$139.39M$97.26M$71.12M$332.47M$60.74M$17.40M$88.04M$47.91M$-266,684,000
    EBITDA$280.16M$270.03M$251.18M$210.80M$171.86M$137.51M$116.13M$118.26M$68.94M$147.00M$164.61M$-209,922,000
    EBIT$204.31M$199.55M$185.33M$148.55M$112.19M$79.78M$59.92M$63.85M$15.34M$94.23M$106.10M$-266,928,000
    * Some calculated fields are derived from available data when not provided by source

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    SOFI Valuation and Fair Value

    P/E
    33.1x
    Forward P/E
    20.7x
    EV/EBITDA
    19.5x
    P/FCF
    -2.3x
    PEG
    0.6x
    P/B
    1.8x
    See GNG's fair value

    SOFI Profitability: Margins, ROIC and FCF

    Operating margin
    17.0%
    Net margin
    14.9%
    ROIC
    4.4%
    ROE
    7.1%
    FCF margin
    -197.6%
    FCF yield
    -43.5%

    SOFI Competitors

    CompanyTicker
    Federal National Mortgage Association Fannie MaeFNMA
    Fifth Third BancorpFITBI
    Banco De ChileBCH
    Woori Financial Group IncWF
    KeyCorpKEY
    East West Bancorp IncEWBC
    T. Rowe Price Group IncTROW
    Reinsurance Group of AmericaRGA

    Sector: Financial Services

    SOFI Analyst Ratings

    Consensus
    Hold
    Analysts
    25
    Strong Buy
    4
    Buy
    5
    Hold
    12
    Sell
    2
    Strong Sell
    2

    SOFI Bull Case vs Bear Case

    Bull case

    • SOFI beat EPS estimates in 87.5% of its last 8 reported quarters.
    • SOFI grew quarterly revenue 42.6% year over year.

    SOFI Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    30.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.17
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 4 down

    Frequently Asked Questions About SOFI

    Does SOFI pay dividends?

    SoFi Technologies Inc. (SOFI) does not currently pay a regular dividend.

    What is SOFI's P/E ratio?

    SoFi Technologies Inc. has a price-to-earnings (P/E) ratio of 33.13.

    What is SOFI's market cap?

    SoFi Technologies Inc. (SOFI) has a market capitalization of $18.37B with a current stock price of $15.24.

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