SoFi Technologies, Inc.

  • Market Cap: Mid Cap
  • Industry: Finance
  • ISIN: US83406F1021
USD
16.90
-0.47 (-2.71%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

20.21 M

Shareholding (Dec 2025)

FII

8.36%

Held by 269 FIIs

DII

69.3%

Held by 93 DIIs

Promoter

2.84%

How big is SoFi Technologies, Inc.?

22-Jun-2025

As of Jun 18, SoFi Technologies, Inc. has a market capitalization of $15.95 billion, with net sales of $3.89 billion and a net profit of $481.73 million over the latest four quarters.

Market Cap: As of Jun 18, SoFi Technologies, Inc. has a market capitalization of 15,950.39 million, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, SoFi Technologies, Inc. reported net sales of 3,894.86 million and a net profit of 481.73 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the company reported shareholder's funds of 6,525.13 million and total assets of 36,250.95 million.

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What does SoFi Technologies, Inc. do?

22-Jun-2025

SoFi Technologies, Inc. is a mid-cap finance company with recent net sales of $1.037 billion and a net profit of $71 million. It has a market cap of approximately $15.95 billion, a P/E ratio of 33.00, and no dividend yield.

Overview:<BR>SoFi Technologies, Inc. operates in the finance industry and is classified as a mid-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,037 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 71 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 15,950.39 Million; Category: Mid Cap<BR><BR>Key Metrics:<BR>P/E: 33.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 7.21% <BR>Price to Book: 2.39 <BR><BR>Contact Details:<BR>Registrar Address: Not available.

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Should I buy, sell or hold SoFi Technologies, Inc.?

22-Jun-2025

Is SoFi Technologies, Inc. technically bullish or bearish?

20-Sep-2025

As of June 17, 2025, SoFi Technologies, Inc. has shifted to a bullish trend, supported by strong indicators like MACD and Bollinger Bands, and has outperformed the S&P 500 with a 246.61% return over the past year.

As of 17 June 2025, the technical trend for SoFi Technologies, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD, Bollinger Bands, KST, Dow Theory, and OBV indicators all confirm a bullish stance. The daily moving averages also support this bullish outlook. Over the past year, SoFi has returned 246.61%, significantly outperforming the S&P 500's 17.14%. Overall, the current technical stance is bullish with strong indicators supporting this trend.

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Is SoFi Technologies, Inc. overvalued or undervalued?

02-Dec-2025

As of November 28, 2025, SoFi Technologies, Inc. is fairly valued with a P/E ratio of 33, despite having a higher P/E than peers like Synchrony Financial and AerCap Holdings, while its strong year-to-date return of 88.51% and three-year return of 552.36% suggest robust performance justifying its valuation.

As of 28 November 2025, the valuation grade for SoFi Technologies, Inc. moved from expensive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 33, a Price to Book Value of 2.36, and an EV to EBITDA of 22.25, which suggest that while the company is not the cheapest option in the market, it is not excessively priced either.<BR><BR>In comparison to its peers, SoFi's P/E ratio of 54.79 is significantly higher than that of Synchrony Financial at 15.06, indicating that SoFi may be overvalued relative to this competitor, while AerCap Holdings NV, with a P/E of 11.71, further underscores this perspective. Despite this, SoFi has shown impressive returns, with a year-to-date return of 88.51% compared to the S&P 500's 16.45%, and a three-year return of 552.36% against the S&P 500's 72.78%, highlighting strong performance that may justify its current valuation.

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

Strong Long Term Fundamental Strength with a 46.90% CAGR growth in Operating Profits

 
2

Healthy long term growth as Net Sales has grown by an annual rate of 56.29% and Operating profit at 46.90%

 
3

With a growth in Operating Profit of 75.7%, the company declared Very Positive results in Dec 25

4

High Institutional Holdings at 57.38%

5

Market Beating Performance

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Finance

stock-summary
Market cap

USD 22,483 Million (Mid Cap)

stock-summary
P/E

47.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

4.59%

stock-summary
Price to Book

2.14

Revenue and Profits:
Net Sales:
1,335 Million
(Quarterly Results - Dec 2025)
Net Profit:
174 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-35.72%
0%
-35.72%
6 Months
-39.88%
0%
-39.88%
1 Year
41.42%
0%
41.42%
2 Years
138.7%
0%
138.7%
3 Years
209.52%
0%
209.52%
4 Years
71.23%
0%
71.23%
5 Years
-6.84%
0%
-6.84%

SoFi Technologies, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
56.29%
EBIT Growth (5y)
46.90%
EBIT to Interest (avg)
-0.15
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
57.38%
ROCE (avg)
12.56%
ROE (avg)
1.67%

Valuation key factors

Factor
Value
P/E Ratio
47
Industry P/E
Price to Book Value
2.14
EV to EBIT
25.43
EV to EBITDA
18.87
EV to Capital Employed
3.34
EV to Sales
3.59
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
13.12%
ROE (Latest)
4.59%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 79 Schemes (19.49%)

Foreign Institutions

Held by 269 Foreign Institutions (8.36%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY",
    "rhs": [
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 32.47% vs 15.72% in Dec 2024",
        "dir": 1
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      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is -47.82% vs 594.15% in Dec 2024",
        "dir": -1
      }
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    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
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          "field": "Net Sales",
          "val1": "1,335.20",
          "val2": "1,007.90",
          "chgp": "32.47%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "273.20",
          "val2": "155.50",
          "chgp": "75.69%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "19.60",
          "val2": "35.20",
          "chgp": "-44.32%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "173.50",
          "val2": "332.50",
          "chgp": "-47.82%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "153.50%",
          "val2": "94.40%",
          "chgp": "5.91%",
          "chgp_class": "positive"
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  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 26.64% vs 29.33% in Dec 2024",
        "dir": -1
      },
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is -3.49% vs 265.85% in Dec 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
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          "field": "Net Sales",
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          "val2": "3,766.20",
          "chgp": "26.64%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
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          "val2": "629.70",
          "chgp": "48.09%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "142.20",
          "val2": "161.20",
          "chgp": "-11.79%",
          "chgp_class": "positive"
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        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "481.30",
          "val2": "498.70",
          "chgp": "-3.49%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "140.10%",
          "val2": "104.80%",
          "chgp": "3.53%",
          "chgp_class": "positive"
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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoYstock-summary

Dec'25
Dec'24
Change(%)
Net Sales
1,335.20
1,007.90
32.47%
Operating Profit (PBDIT) excl Other Income
273.20
155.50
75.69%
Interest
19.60
35.20
-44.32%
Exceptional Items
0.00
0.00
Consolidate Net Profit
173.50
332.50
-47.82%
Operating Profit Margin (Excl OI)
153.50%
94.40%
5.91%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Dec 2025 is 32.47% vs 15.72% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is -47.82% vs 594.15% in Dec 2024

Annual Results Snapshot (Consolidated) - Dec'25stock-summary

Dec'25
Dec'24
Change(%)
Net Sales
4,769.60
3,766.20
26.64%
Operating Profit (PBDIT) excl Other Income
932.50
629.70
48.09%
Interest
142.20
161.20
-11.79%
Exceptional Items
0.00
0.00
Consolidate Net Profit
481.30
498.70
-3.49%
Operating Profit Margin (Excl OI)
140.10%
104.80%
3.53%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2025 is 26.64% vs 29.33% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2025 is -3.49% vs 265.85% in Dec 2024

stock-summaryCompany CV
About SoFi Technologies, Inc. stock-summary
stock-summary
SoFi Technologies, Inc.
Finance
No Details Available.
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No Company Details Available