SoFi Technologies, Inc. (SOFI) Stock Price & Analysis
SoFi Technologies, Inc. (SOFI) closed at USD 14.77 on Thursday, October 22, 2026, down 0.87% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 14.77; the Oct 22, 2026 session ranged USD 14.57–15.07 on volume of 40,962,271 shares. Market capitalization is —, with a 52-week range of USD 13.86–32.73 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:22 UTC.
Also available as compact Markdown for AI agents: nexqual.com/SOFI.md
Key facts (SOFI)
- Last four reported quarters (through Jun 30, 2026): revenue $4.31B, net income $636M (14.8% margin) (SEC filings).
- 2 of 80 tracked superinvestors hold SOFI (13F, Q2 2026): 0 new, 1 added, 1 reduced, 0 unchanged.
- Total return with dividends: 1Y -47.4% vs S&P 500 +14.9%; 5Y -28.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-27, EPS estimate USD 0.17, revenue estimate $1.26B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (SOFI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $985M | $1.57B | $2.12B | $2.67B | $3.61B | $4.31B |
| Gross profit | $728M | $1.26B | $1.74B | $2.21B | $3.00B | — |
| Net income | -$484M | -$320M | -$301M | $499M | $481M | $636M |
| EPS (diluted) | -$1.00 | -$0.40 | -$0.36 | $0.39 | $0.39 | — |
| Free cash flow | -$1.40B | -$7.35B | -$7.34B | -$1.27B | -$3.98B | -$8.79B |
| Gross margin | 73.9% | 80.1% | 82.1% | 82.7% | 83.1% | — |
| Net margin | -49.1% | -20.4% | -14.2% | 18.6% | 13.3% | 14.8% |
| Revenue growth | +74.1% | +59.8% | +34.9% | +26.0% | +35.1% | — |
| Cash + short-term investments | $495M | $1.42B | $3.09B | $2.54B | $4.93B | — |
| Total debt | $3.95B | $5.49B | $5.23B | $3.09B | $1.82B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (SOFI)
P/E at fiscal year-ends: Dec 2025 68.1x, Dec 2024 34.0x.
Superinvestors (SEC 13F-HR, Q2 2026) (SOFI)
2 of 80 tracked investors hold SOFI. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Samantha McLemore | Patient Capital Management | 0.90% | $27.0M | Added +13.5% |
| Polen Capital | Polen Capital Management | 0.01% | $1.2M | Reduced -36.5% |
Analysts (SOFI)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-13 | StoneX | Initiated | Buy | $25 |
| 2026-10-06 | TD Cowen | Target lowered | Hold | $18 → $17.5 |
| 2026-09-09 | Loop Capital | Initiated | Hold | $22 |
| 2026-09-02 | Scotiabank | Initiated | Sector Outperform | $25 |
| 2026-08-17 | Piper Sandler | Initiated | Neutral → Overweight | $22 |
| 2026-08-12 | Truist Securities | Target raised | Hold | $18 → $19 |
| 2026-07-31 | Mizuho | Target lowered | Outperform | $29 → $22 |
| 2026-07-30 | Morgan Stanley | Target lowered | Underweight | $16 → $15 |
| 2026-07-30 | Wells Fargo | Target lowered | Equal-Weight | $18 → $17 |
| 2026-07-30 | Needham | Target lowered | Buy | $25 → $24 |
| 2026-07-24 | Truist Securities | Target raised | Hold | $17 → $18 |
| 2026-07-09 | Goldman Sachs | Target raised | Neutral | $17 → $21 |
Total return (dividends reinvested) (SOFI)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -47.4% | -28.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -47.5% | -6.4% |
| Volatility (annualized) | 56.0% | 60.8% |
| Max drawdown | -55.9% (Nov 2025→Oct 2026) | -80.9% (Nov 2021→Dec 2022) |
SOFI revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Financial Services | $98.0M | 63.8% | +59.8% |
| Technology Platform | $55.5M | 36.2% | -38.7% |
| Total revenue | $153.6M | 100% | — |
SOFI revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Technology Services | $50.5M | 32.9% | -43.6% |
| Interchange | $41.1M | 26.7% | +54.9% |
| Referrals Loan Platform | $24.4M | 15.9% | +8.0% |
| Brokerage | $18.1M | 11.8% | +140.3% |
| Financial Service Other | $9.6M | 6.3% | +344.2% |
| Technology Platform Other | $5.0M | 3.3% | +417.1% |
| Referrals Other | $3.7M | 2.4% | +43.0% |
| Crypto Service | $1.2M | 0.8% | — |
| Total revenue | $153.6M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
SOFI suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | Amazon (AMZN) | “We rely on certain third-party computer systems or third-party service providers, including cloud technology providers such as AWS, internet service providers, payment services providers, including for our self-serve global remittance product, market and third-party data providers, regulatory and compliance services providers, clearing systems, market makers and other liquidity providers, exchange systems, banking…” |
Quoted from the company's 10-K filed Feb 17, 2026.
SOFI company outlook (results filed Jul 29, 2026)
- “Guidance to $4.75 billion to $4.85 billion SAN FRANCISCO, Calif. – (BUSINESS WIRE) – July 29, 2026 – SoFi Technologies, Inc.”
Quoted word-for-word from the SEC 8-K results press release.
SOFI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.17 | $0.17 | -2.6% | $1.26B | 9 |
| Next quarter (ends Dec 2026) | $0.19 | $0.19 | -1.3% | $1.32B | 9 |
| Current fiscal year (ends Dec 2026) | $0.59 | $0.59 | +0.1% | $4.88B | 10 |
| Next fiscal year (ends Dec 2027) | $0.82 | $0.81 | +1.8% | $6.14B | 10 |
Key Statistics (as of October 23, 2026 at 09:22 UTC)
| Price | USD 14.77 |
|---|---|
| Change | ▼ 0.87% (down) |
| Previous Close | USD 14.77 |
| Open | USD 14.77 |
| Day Range | USD 14.57 – 15.07 |
| 52-Week Range | USD 13.86 – 32.73 |
| Volume | 40,962,271 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (SOFI)
Nexqual's technical model rates SOFI "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:22 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 36.72 (neutral) |
| vs SMA50 | Below (USD 16.82) |
| MACD | -0.61 (negative) |
Earnings (SOFI)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 0.17 |
| Revenue Estimate | $1.26B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.12 vs est 0.11 ▲ beat |
| 2026-03-31 | USD 0.12 vs est 0.12 ▼ miss |
| 2025-12-31 | USD 0.12 vs est 0.11 ▲ beat |
| 2025-09-30 | USD 0.1 vs est 0.08 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:22 UTC.
Financials & Fundamentals (SOFI)
| Total Revenue | $4.27B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +42.60% |
| Gross Margin | +83.73% |
| Operating Margin | +16.96% |
| Profit Margin | +14.91% |
| ROE | +7.09% |
| Debt / Equity | 0.31 |
| Current Ratio | 1.11 |
| Total Cash | $3.37B |
| Total Debt | $3.42B |
Source: Nexqual, October 23, 2026 at 09:22 UTC.
Financial Health Score (SOFI)
Nexqual rates SoFi Technologies, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:22 UTC.
| Growth | Strong — Revenue +38% YoY (annual) |
|---|---|
| Profitability | Solid — Net margin 13% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Mixed — ROE 7%, ROA 1.2% |
Ownership (SOFI)
| Insider Ownership | +1.45% |
|---|---|
| Institutional Ownership | +51.52% |
| Shares Outstanding | 1.29B |
| Float | 1.27B |
| Short % of Float | +16.87% |
Source: Nexqual, October 23, 2026 at 09:22 UTC.
From SoFi Technologies, Inc.'s Latest SEC 10-K Filing (filed 2026-02-17)
Key Strengths & Strategy (as disclosed to the SEC)
- Our platform offers our members (as defined under Part II, Item 7. "Key Business Metrics") a suite of financial products and services, enabling them to borrow, save, spend, invest and protect their finances across one integrated platform, as well as personal financial management tools and benefits to complement our products.
- We also offer financial services solutions which are designed to appeal to enterprises, including our At Work product and lending related services offered through our Loan Platform Business.
- Our Technology Platform supports innovation for a broad range of enterprises, with offerings that give clients the ability to create, launch and run financial products.
- While we primarily operate in the United States, we also operate internationally in Latin America, Canada and Switzerland, largely through our Technology Platform segment, as well as in Hong Kong through SoFi Holdings (Hong Kong) Limited (an investment business).
Partnerships
- We also offer jumbo loans with loan amounts up to $3,000,000 and fixed-rate home equity loans up to $750,000.
- We believe SoFi Checking and Savings accounts held at SoFi Bank are attractive to our members and prospective members due to our differentiated offerings, including competitive interest rates, access to expanded FDIC insurance coverage of up to $3 million through our Insured Deposit Program and the convenience and benefits of being part of a cohesive, simplified financial ecosystem within our mobile platform.
Legal & Regulatory Risks (Item 1A, quoted)
- Failure to comply with applicable laws, regulations or commitments, or to satisfy our regulators' supervisory expectations, could subject us to, among other things, supervisory or enforcement action, which could adversely affect our business, financial condition and results of operations.
- Our compliance and risk management policies and procedures as a bank, bank holding company and otherwise regulated financial services company may not be fully effective in identifying or mitigating compliance and risk exposure in all market environments or against all types of risk.
- Regulatory scrutiny of banking as a service, or BaaS, solutions has increased and may require us to devote significant resources to enhancing our Technology Platform policies, procedures, operations, controls and products, and the failure to satisfy such increased scrutiny may cause regulators to take action against us or our BaaS partners, or result in a loss of one or more of our BaaS partners.
- We may become subject to enforcement actions or litigation as a result of our failure to comply with laws and regulations, even though noncompliance was inadvertent or unintentional.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| SYF | Synchrony Financial | USD 75.09 | ▲ 1.32% |
| AFRM | Affirm Holdings, Inc. | USD 72.4 | ▼ 1.51% |
| ALLY | Ally Financial Inc. | USD 39.31 | ▲ 1.6% |
| FCFS | FirstCash Holdings, Inc. | USD 184.78 | ▼ 14.75% |
| PYPL | PayPal Holdings, Inc. | USD 57.54 | ▲ 0.59% |
| OMF | OneMain Holdings, Inc. | USD 57.11 | ▲ 0.49% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:22 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt