NASDAQ: SOFI
SoFi Technologies, Inc.
Financial Services · Financial - Credit Services
Market Cap
$20.92B
52w High
$32.73
52w Low
$14.88
P/E
34.66
Volume
56.69M
Outstanding Shares
1.28B
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock fell 27.77% over the last year. Revenue grew 34.18% over the trailing twelve months. Operating margin moved from 7.59% to 13.22%. Free cash flow declined 25.31% over the trailing twelve months.
What the market seems to be pricing
Visible fundamentals weakened far less than the stock price, and the shares now sit around the 13th percentile of their historical P/E range. That looks more like a rerating of the multiple than a collapse in the business.
What would invalidate this read
This read changes if operating margin (currently 13.22%) continues to decline, or if revenue growth turns negative. The bull case requires the business to hold its current trajectory.
Company profile
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions.
Valuation
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
9
Buy
14
Hold
4
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 27, 2026
Q4 FY26 · EPS est $0.16 · Revenue est $1.25B
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