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SOFI logo

SOFI Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
16.320
Open
15.800
VWAP
16.12
Vol
70.69M
Mkt Cap
20.20B
Low
15.770
Amount
1.14B
EV/EBITDA(TTM)
20.87
Total Shares
1.28B
EV
18.62B
EV/OCF(TTM)
--
P/S(TTM)
6.21
SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.
Show More

Events Timeline

(ET)
2026-05-11
14:40:00
SoFi Technologies Shares Rise 2.06%
select
2026-05-11
12:40:00
SoFi Acquires Assets of PrimaryBid
select
link
2026-05-06 (ET)
2026-05-06
11:10:00
SoFi Technologies Shares Up 0.91% to $16.16
select
2026-05-05 (ET)
2026-05-05
14:10:00
SoFi Technologies Shares Slightly Down, Options Activity Moderately Bullish
select

News

Fool
8.5
05-09Fool
Creative Ways to Invest in Anthropic Before IPO
  • Diverse Investment Options: Investors can indirectly invest in Anthropic through funds like the KraneShares Artificial Intelligence and Technology ETF, ARK Venture Fund, and Destiny Tech100, which hold 2.6%, 3.0%, and a recent investment in Anthropic, respectively, providing diversified investment choices to mitigate risk.
  • Strong Fund Performance: The KraneShares ETF has risen 17% in 2026, while Destiny Tech100 has shown even stronger performance with a 30% increase, indicating the investment potential and market appeal of these funds in the rapidly evolving AI sector.
  • Management Fee Considerations: Although ARKVX has a high management fee of 2.75% and Destiny Tech100 charges 2.5%, investors must weigh these costs against potential returns to ensure the effectiveness of their investments in these high-growth areas.
  • Market Volatility Risks: Given the high volatility in the AI industry, investors should be aware of the risks when selecting these funds; despite the high fees, diversified investments can help mitigate risks associated with individual companies.
NASDAQ.COM
8.5
05-09NASDAQ.COM
Anthropic Valuation Approaches $400 Billion Amid AI Growth
  • Valuation Surge: Anthropic's valuation is nearing $400 billion, reflecting rapid growth in the generative AI sector, particularly in the development of large language models, which underscores its market potential and attractiveness.
  • Investment Opportunities: Although Anthropic is not yet public, investors can still gain exposure through funds like the KraneShares Artificial Intelligence and Technology ETF, which allocates 2.6% to Anthropic, marking it as the 10th largest holding and highlighting its significance in the portfolio.
  • Fee Structure: The management fee for the KraneShares ETF is 0.99%, while the ARKVX closed-end fund charges a hefty 2.75%, illustrating the cost differences among various investment vehicles, prompting investors to weigh fees against potential returns.
  • Market Performance: In 2026, shares of the KraneShares ETF rose by 17%, while ARKVX shares increased by 9%, indicating sustained investor interest in AI companies amidst high volatility, despite the elevated fees.
Fool
9.5
05-08Fool
Bank of America's Technological Edge and Growth Potential
  • Leadership Transformation: Under CEO Brian Moynihan, Bank of America has successfully navigated the aftermath of the financial crisis by improving asset quality and enhancing its deposit base, which has attracted investors like Warren Buffett, showcasing a strong recovery capability.
  • Technological Investment: Over the past decade, Bank of America has invested more than $100 billion in building its technology capabilities, including $13 billion last year alone, demonstrating its commitment to technology as a strategic enabler that provides a significant competitive edge.
  • Digital Transformation: Currently, over 70% of sales occur through digital channels, and despite a nearly 50% reduction in consumer segment headcount, the bank has experienced substantial growth in deposits and transactions, indicating that technology has enhanced operational efficiency and driven business growth.
  • AI Patent Advantage: With approximately 1,400 AI patents and over 250 AI and machine learning models deployed, Bank of America holds a first-mover advantage in AI, which is expected to further enhance efficiency and solidify its market position in the coming years.
Fool
9.5
05-08Fool
SoFi Reports Strong Q1 Earnings with Impressive Growth Metrics
  • Rapid Membership Growth: SoFi's Q1 report indicates strong membership growth, with overall loan volume hitting record highs despite a 27% decline in tech platform revenue, showcasing the company's effective cross-selling strategies that enhance customer loyalty.
  • Exceptional Profitability Metrics: With a year-over-year revenue growth rate of 41% and an adjusted EBITDA margin of 31%, SoFi achieves a Rule of 40 score of 72, which is remarkably rare in the financial services sector, demonstrating a healthy balance between growth and profitability.
  • Market Positioning Advantage: SoFi's current stock price trades at approximately 1.9 times book value, compared to JPMorgan Chase's 2.4 times, indicating a potential undervaluation of SoFi's growth prospects, which could present a compelling buying opportunity for investors.
  • Future Growth Expectations: Management projects a 40% annualized earnings growth through at least 2028, and while the current stock price does not reflect this growth potential, ongoing marketing investments and brand awareness initiatives are expected to lay the groundwork for future performance improvements.
Fool
9.5
05-08Fool
SoFi Technologies' Stock Volatility and Growth Potential
  • Performance Highlights: In Q1 2023, SoFi achieved a 41% year-over-year sales increase, with earnings per share rising from $0.06 to $0.12, showcasing strong profitability and market demand, further solidifying its position as a digital bank.
  • User Growth: The addition of 1.1 million new users, a 35% year-over-year increase, alongside a 39% growth in products, indicates SoFi's success in attracting young professionals, enhancing its competitive edge in the financial services market.
  • Market Reaction: Despite strong overall performance, the market reacted negatively due to the lack of an increase in full-year guidance; CEO noted that the new guidance assumes no rate cuts, reflecting cautious market sentiment regarding future growth, which could impact investor confidence.
  • Investment Opportunity: With a current P/E ratio of 37 and a 50% drop from its all-time high, yet still up 28% over the past year, analysts suggest this presents a great long-term investment opportunity, especially as the market may be overreacting to short-term fluctuations.
NASDAQ.COM
9.5
05-08NASDAQ.COM
SoFi Reports Accelerating Growth in Q1
  • Growth Highlights: SoFi reported accelerating growth in Q1, although the market was disappointed by the lack of an increase in full-year guidance; CEO Anthony Noto explained that the original guidance assumed two rate cuts this year, while the new guidance assumes none, indicating a cautious outlook.
  • Market Reaction Analysis: Despite a 28% rise in stock price over the past year, concerns about high valuation and a shocking short-seller report have led to a 50% drop from its all-time high, causing investor skepticism about future performance.
  • Loan Growth Situation: The company saw an increase in loans held on the books during Q1, although slow growth in the Tech Platform segment raised concerns about its future growth potential, reflecting challenges in balancing traditional financial services with innovative products.
  • Investment Opportunity Assessment: Despite short-term market fluctuations, SoFi's P/E ratio stands at 37, indicating a relatively cheap valuation, and analysts believe this presents a good long-term investment opportunity, especially as the company continues to report strong growth.
Wall Street analysts forecast SOFI stock price to rise
14 Analyst Rating
Wall Street analysts forecast SOFI stock price to rise
5 Buy
6 Hold
3 Sell
Hold
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Current: 0.000
sliders
Low
18.00
Averages
28.31
High
38.00
Mizuho
Dan Dolev
Outperform
to
Outperform
downgrade
$38 -> $29
AI Analysis
2026-05-06
New
Reason
Mizuho
Dan Dolev
Price Target
$38 -> $29
AI Analysis
2026-05-06
New
downgrade
Outperform
to
Outperform
Reason
Mizuho analyst Dan Dolev lowered the firm's price target on SoFi Technologies to $29 from $38 and keeps an Outperform rating on the shares. The firm updated the company's model post the Q1 report. Mizuho views the print as "solid," saying SoFi's member growth "remained robust." It reduced estimates for the company's 2026 and 2027.
Citi
Buy
to
Buy
downgrade
$37 -> $30
2026-05-04
Reason
Citi
Price Target
$37 -> $30
2026-05-04
downgrade
Buy
to
Buy
Reason
Citi lowered the firm's price target on SoFi Technologies to $30 from $37 and keeps a Buy rating on the shares. The firm cites the company's Q1 report a s strong. It cites multiple compression in the lending technology space for the target cut.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SOFI
Unlock Now

Valuation Metrics

The current forward P/E ratio for SoFi Technologies Inc (SOFI.O) is 27.03, compared to its 5-year average forward P/E of 18.42. For a more detailed relative valuation and DCF analysis to assess SoFi Technologies Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
18.42
Current PE
27.03
Overvalued PE
83.70
Undervalued PE
-46.86

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average EV/EBITDA
14.78
Current EV/EBITDA
14.65
Overvalued EV/EBITDA
17.42
Undervalued EV/EBITDA
12.13

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
5.07
Current PS
3.62
Overvalued PS
8.09
Undervalued PS
2.04

Financials

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Whales Holding SOFI

S
Simplex Trading, LLC
Holding
SOFI
+67.62%
3M Return
A
Accel Partners
Holding
SOFI
+51.77%
3M Return
P
Peak6 Group LLC
Holding
SOFI
+26.27%
3M Return
F
Fuh Hwa Securities Investment Trust Co., Ltd.
Holding
SOFI
+23.63%
3M Return
J
Jane Street Group, LLC
Holding
SOFI
+22.22%
3M Return
C
Clear Street LLC
Holding
SOFI
+20.58%
3M Return

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Frequently Asked Questions

What is SoFi Technologies Inc (SOFI) stock price today?

The current price of SOFI is 16.26 USD — it has increased 3.24

What is SoFi Technologies Inc (SOFI)'s business?

SoFi Technologies, Inc. is a member-centric, one-stop shop for digital financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest and protect their money. The Company's segments include Lending, Technology Platform and Financial Services. The Lending segment offers personal loans, student loans, home loans and related servicing to help its members with a variety of financial needs. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding and servicing. The Technology Platform segment provides services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment offers a suite of financial services solutions, including SoFi Money and SoFi Invest.

What is the price predicton of SOFI Stock?

Wall Street analysts forecast SOFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SOFI is28.31 USD with a low forecast of 18.00 USD and a high forecast of 38.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is SoFi Technologies Inc (SOFI)'s revenue for the last quarter?

SoFi Technologies Inc revenue for the last quarter amounts to 929.25M USD, increased 46.05

What is SoFi Technologies Inc (SOFI)'s earnings per share (EPS) for the last quarter?

SoFi Technologies Inc. EPS for the last quarter amounts to 0.12 USD, increased 100.00

How many employees does SoFi Technologies Inc (SOFI). have?

SoFi Technologies Inc (SOFI) has 6100 emplpoyees as of May 11 2026.

What is SoFi Technologies Inc (SOFI) market cap?

Today SOFI has the market capitalization of 20.20B USD.