Start here if you're new
what it is
SoFi is a digital money app that wants to be your bank, lender, broker, and budgeting tool in one place.
how it gets paid
Last year Sofi Technologies made $619M in revenue.
why it's growing
Revenue grew 26% last year. Revenue hit $962M, up +38% vs. prior year, while EPS was $0.13 in the latest quarter data provided.
what just happened
Latest earnings were a beat, with EPS of $0.13 versus an $0.08 estimate.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
74.7x trailing p/e — you're paying up for this one
6.0% return on capital — nothing to write home about
xvary composite: 56/100 — below average
$0.60 fy2026 eps est
What they do
SoFi is a digital money app that wants to be your bank, lender, broker, and budgeting tool in one place.
SoFi wins by stacking products inside one app, then cross-selling you the next money tool before you leave. It had 12.6 million members by September 2025, up 35% vs. prior year. More members means more chances to turn one relationship into several, which is cheaper than buying a new customer every time.
How they make money
$2.7B
annual revenue · their business grew +26% last year
total revenue
$2.7B
+26%
The products that matter
digital banking hub
SoFi Checking & Savings
12.6M members · bank charter since 2022
this is the front door. after the 2022 bank charter, deposits became more valuable to the model because they fund lending inside the same ecosystem.
core funding base
consumer lending
SoFi Personal Loans
$619M revenue · +23.1%
this is the revenue engine the page can actually quantify. $619M last quarter tells you the lending segment still carries the story.
main revenue driver
investing and spend tools
SoFi Invest & Credit Card
cross-sell thesis · revenue not broken out here
these products matter because the whole model depends on getting more value from each member. this snapshot does not provide product-level revenue, so we are not going to pretend the adoption math is cleaner than it is.
monetization watch
Key numbers
74.7x
trailing p/e
Trailing P/E → price versus past 12-month profit → so what: you are paying a premium multiple for a company with a 6.0% return on capital.
12.6M
members
That member base was up 35% vs. prior year by September 2025, which is the raw material for SoFi's cross-sell story.
6.0%
return on capital
Return on capital → profit generated from the money put into the business → so what: 6.0% is fine, not magical, especially beside a 74.7x multiple.
$22
18-month view
One published 18-month target sits below the current $26.13 price, which is a plain way of saying the near-term upside case is already crowded.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 5 / 100
- return on equity 14% — $0.14 profit for every $1 investors have put in
B++ — functional but not a standout on the balance sheet.
Total return vs. market
You invested $10,000 in SOFI 3 years ago → it's now worth $48,030.
The index would have given you $14,770.
source: institutional data · total return
What just happened
beat estimates
Latest earnings were a beat, with EPS of $0.13 versus an $0.08 estimate.
Revenue hit $962M, up +38% vs. prior year, while EPS was $0.13 in the latest quarter data provided. The bigger picture is simple: SoFi finally moved from years of losses to back-to-back profitable years.
$962M
revenue
$0.13
eps
n/a
n/a
the number that mattered
The key number is the move from a full-year loss of -$0.36 in 2023 to a profit of $0.39 in 2024, because it changed SoFi from a promise into an earning company.
-
we look for solid earnings momentum to continue in 2026 at sofi technologies.
-
the company likely recorded its second consecutive year of profitably in 2025 after several years of losses.
-
this lender seems to have reached the critical mass necessary to remain in the black.
-
its member count at the end of september was 12.6 million, up 35% from the end of 2024, and the number of its products in place stood at 18.6 million, up 36% from the prior year-end.
-
net revenue in 2025 likely reached $3.5 billion, also up 36% from the prior year.
source: company earnings report, 2026
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What could go wrong
the top risk is premium-multiple compression on a lender still proving durability.
high
valuation compression
the stock trades at 28.8x forward earnings versus a 9.9x industry average, and 74.7x on trailing earnings. that is a premium business multiple on a company still early in its banking life.
if growth cools, the market does not need to panic. it just needs to pay a smaller multiple.
high
execution against 30%+ growth targets
management laid out 30%+ annual revenue growth through 2028 and mid-30% EBITDA margins. the current margin cited on this page is 29%.
the gap between 29% and the mid-30s is not impossible. it is just already being discussed as if it is inevitable.
med
lending concentration
lending generated $619M of the $1.0B quarter from the numbers shown here. that means at least 62% of revenue still comes from the least surprising part of the model.
if lending slows, the diversification story matters more — and this snapshot does not give enough segment detail to prove that offset today.
med
member growth monetization gap
members grew from 5.2M to 12.6M in two years. that is impressive. the harder question is how much profit each new member adds from here.
when a stock is priced for growth, raw customer count stops being enough. monetization has to do the heavier lifting.
a company priced at 28.8x forward earnings against a 9.9x industry average does not have much room for an ordinary disappointment.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
next earnings report
the next quarterly update needs to show that the $1.0B quarter was the new baseline, not the high-water mark.
metric
margin progress
management is talking about mid-30% EBITDA margins. this page cites 29% today. that gap is one of the few numbers that actually matters.
trend
member growth vs. monetization
12.6M members is big. watch whether each member is becoming more valuable, not just whether the headline count keeps rising.
risk
multiple sensitivity
a stock at 28.8x forward earnings can fall even when the business is still growing. watch the valuation debate as closely as the operating results.
Analyst rankings
short-term outlook
average
momentum score 3 — in human-speak, analysts do not see a strong short-term edge either way.
risk profile
average
stability score 3 — not a bunker stock, not a disaster story. the 5 / 100 price stability tells you the chart is still far jumpier than the label suggests.
chart momentum
average
technical score 3 — the setup is ordinary. with SOFI, the argument is valuation versus execution, not some magical chart signal.
source: institutional data
Institutional activity
institutions have been net buying for 3 consecutive quarters — 531 buyers vs. 300 sellers in 3q2025. total institutional holdings: 0.6B shares. net buying for 3 quarters.
source: institutional data
Price targets
3-5 year target range
$9
$35
$26
current price
$22
target midpoint · 16% from current · 3-5yr high: $45 (+70% · 15% ann'l return)
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