SoFi Technologies, Inc. (SOFI) AI Stock Analysis

SoFi Technologies, Inc. provides digital financial services across three primary segments: Lending, Technology Platform, and Financial Services. Founded in 2011 and based in San Francisco, California, the company delivers borrowing, saving, spending, investing, and protection products to its members. Its lending operations offer student loans, personal loans for debt consolidation and home improvement, and home loans. Financial services encompass cash management and investing products. In addition, SoFi operates Galileo, an infrastructure platform serving financial and non-financial institutions, Apex for investment custody and clearing, and Technisys, a cloud-based digital multi-product core banking platform. The company does not currently integrate cryptocurrency services.

SoFi has expanded its revenue substantially, posting a 5-year revenue CAGR of 44.7% from FY2020 to FY2025. Annual revenue grew from $1.09B in FY2021 to $4.77B in FY2025, with revenue growth reaching 82.6% in FY2025. After recording net losses of -$483.9M in FY2021, -$320.4M in FY2022, and -$300.7M in FY2023, the business achieved profitability in FY2024 with net income of $498.7M and followed with $481.3M in FY2025. In the latest quarter ending June 30, 2026, quarterly revenue grew 42.6% year-over-year, while quarterly earnings expanded by 40.4% year-over-year, contributing to trailing twelve month EPS of $0.49.

As of June 30, 2026, SoFi held $7.35B in cash and short-term investments against total debt of $3.41B, resulting in net cash of $3.95B. Total assets stood at $60.95B, shareholders' equity was $11.08B, and the debt-to-equity ratio was 0.31, alongside a current ratio of 0.16. In FY2025, operating cash flow was -$3.74B and free cash flow was -$3.98B. Cash outflows during FY2025 included $242.4M for capital expenditures and $65.0M directed toward share buybacks, while the share count grew 66.0% over five years.

SoFi trades at a trailing P/E of 29.7x and a forward P/E of 20.7x, both above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales multiple is 4.4x compared to the peer median of 3.2x, while its PEG ratio sits at 0.60. Over the past 12 months, the stock returned -45.3%, trailing the S&P 500 (SPY) return of 16.8%. The shares closed at $14.55 on October 16, 2026, trading 20.8% below their 200-day moving average.

Wall Street coverage includes 6 Strong Buy, 4 Buy, 11 Hold, 2 Sell, and 2 Strong Sell recommendations. The consensus mean price target is $20.36, representing a 39.9% premium over the last close of $14.55. For the current fiscal year ending December 31, 2026, analysts estimate revenue of $4.87B and EPS of $0.59, implying 58.2% earnings growth. Next fiscal year estimates project revenue of $6.11B and EPS of $0.82. The company beat EPS estimates in 3 of the last 4 quarters, with next earnings scheduled for October 27, 2026.

This page is an AI-written research summary of SoFi Technologies, Inc. (SOFI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SOFI income statement, SOFI balance sheet, SOFI key metrics, SOFI analyst forecast, SOFI chart. See the SOFI stock overview for the latest quote and news.