Reading the tape
NASDAQ: SOFI
SoFi Technologies, Inc.
Financial Services · Financial - Credit Services
Market Cap
$20.95B
52w High
$32.73
52w Low
$12.43
P/E
36.35
Volume
79.29M
Outstanding Shares
1.28B
Price vs Fundamentals
Why The Stock Is Moving
Optimism is getting priced inModerate confidence
1Y Price: 31.33%Revenue (TTM): 32.11%FCF (TTM): -103.63%P/S: 64th pct
What changed
The stock rose 31.33% over the last year. Revenue grew 32.11% over the trailing twelve months. Operating margin moved from 5.63% to 12.56%. Free cash flow declined 103.63% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/S range (64th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 12.56% — continued expansion would be needed to justify the premium. Revenue growth of 32.11% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
SoFi Technologies, Inc. provides digital financial services.
CEOAnthony J. Noto
SectorFinancial Services
IndustryFinancial - Credit Services
Employees5,000
IPO dateJan 4, 2021
Valuation
Forward P/E—
EV/EBITDA35.52
Enterprise value$27B
Price / Book2.00
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.
Revenue growth35.83%
Gross margin76.02%▲7.81%vs FY2024
Operating margin12.56%▲74.99%vs FY2024
ROE4.59%▼39.96%vs FY2024
Analyst consensus
RatingHold
Target price$20.89▲27.15%
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
Aug 4, 2026
Q3 FY26 · EPS est $0.12 · Revenue est $1.12B
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