Stocks · Financial Services · Financial - Credit Services
SoFi Technologies, Inc. SOFI
$15.77 -0.44% Close, Oct 2, 2026 · NASDAQ · Market cap $20.23B
Strong growthWeak trendHigh risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 14.2% in a year.
- Earnings beat analyst estimates in each of the last 12 quarters (average surprise over the last four: +13.7%).
- Revenue over the last four quarters was $5.58B, up 34.2% from a year earlier, accelerating from 32.1% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 12%
- EPS growth (TTM, YoY)Bottom 27%
- Revenue growth, 3-year CAGRTop 10%
- Revenue growth accelerationTop 29%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 12%
- Gross marginTop 23%
- Operating marginBottom 28%
- Cash conversion (OCF / net income)Bottom 2%
- Accruals (lower is better)Bottom 5%
- Net debt / EBITDA (lower is better)Top 36%
- Interest coverBottom 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 32%
- Free-cash-flow yieldBottom 5%
- EBITDA / enterprise valueBottom 38%
- Sales / enterprise valueBottom 40%
- P/E vs own 5-year history (lower is better)Top 12%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 7%
- 6-month returnBottom 20%
- 1-year return vs S&P 500Bottom 7%
- Distance from 52-week highBottom 5%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 19%
- Consecutive EPS beatsTop 6%
- Share of analysts rating BuyBottom 36%
- Upside to consensus price targetTop 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 9%
- Maximum drawdown, 3 yearsBottom 15%
- Beta vs S&P 500 (lower is better)Bottom 3%
- Net debt / EBITDA (lower is better)Top 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 32.1% | 34.2% | ↑ |
| EPS growth (YoY) | 5.3% | -3.0% | ↓ |
| Gross margin | 72.7% | 76.5% | ↑ |
| Operating margin | 7.6% | 13.2% | ↑ |
| FCF margin | -72.8% | -89.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 34.2% | 32.1% | ↑ | Top 12% |
| EPS growth (TTM, YoY) | -3.0% | 5.3% | ↓ | Bottom 27% |
| Gross margin | 76.5% | 72.7% | ↑ | Top 23% |
| Operating margin | 13.2% | 7.6% | ↑ | Bottom 28% |
| Net margin | 11.4% | 13.5% | ↓ | — |
| Free-cash-flow margin | -89.3% | -72.8% | ↓ | — |
| Return on invested capital | -1.8% | — | Bottom 12% | |
| Revenue growth, 3-year CAGR | 39.3% | — | Top 10% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -2.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 8.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 3.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.30×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -16.47%
- Shareholder yield
- -16.47%
- Share count change, 1 year
- +14.2%
- Share count change, 3-year CAGR
- +13.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 12
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +13.7%
- Average 2-day reaction, last 8
- -4.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $21.58
- Target vs current price
- +36.8%
- Analysts with a rating
- 27
- Share rating Buy or Strong Buy
- 37%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +9.1% | -8.9% | +11.7% | +13.5% | — |
| Apr 29, 2026 | +0.8% | -15.4% | -12.7% | -11.9% | -10.3% |
| Jan 30, 2026 | +12.7% | -6.4% | -20.1% | -27.1% | -23.0% |
| Oct 28, 2025 | +32.0% | +5.5% | +2.1% | -8.7% | -13.8% |
| Jul 29, 2025 | +30.3% | +6.6% | +3.8% | +24.4% | +36.8% |
| Apr 29, 2025 | +84.0% | +0.5% | -2.6% | +1.4% | +63.0% |
| Jan 27, 2025 | +625.0% | -10.3% | -11.9% | -19.9% | -37.1% |
| Oct 29, 2024 | +16.3% | -6.4% | -2.5% | +40.3% | +43.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.12 | $0.11 | +9.1% | $1.21B |
| Apr 29, 2026 | $0.12 | $0.12 | +0.8% | $1.09B |
| Jan 30, 2026 | $0.13 | $0.12 | +12.7% | $1.01B |
| Oct 28, 2025 | $0.11 | $0.08 | +32.0% | $961.6M |
| Jul 29, 2025 | $0.08 | $0.06 | +30.3% | $854.9M |
| Apr 29, 2025 | $0.06 | $0.03 | +84.0% | $771.8M |
| Jan 27, 2025 | $0.29 | $0.04 | +625.0% | $739.1M |
| Oct 29, 2024 | $0.05 | $0.04 | +16.3% | $693.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 32.9× | 41.2× | 13th | Bottom 32% |
| P/E (forward) | 26.7× | — | — | — |
| EV / EBITDA | 22.1× | — | — | Bottom 38% |
| EV / Sales | 3.67× | — | — | Bottom 40% |
| Free-cash-flow yield | -24.64% | — | — | Bottom 5% |
| Earnings yield | 3.04% | — | — | Bottom 32% |
P/E over the past five years
Range 30.3× – 100.6× since Sep 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -38.8%
- Earnings per share growth (TTM)
- -3.0%
- Change in P/E multiple
- -15.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.3%
- 200-day average slope (20 days)
- -5.4%
- Distance from 50-day average
- -9.7%
- Distance from 200-day average
- -16.8%
- RSI (14)
- 36.2
- Relative volume
- 1.11×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 51.8%
- Volatility vs own 5-year history
- 21th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 2.45
- Correlation with S&P 500
- 0.65
- Current drawdown from 1-year high
- -51.0%
- Maximum drawdown, 3 years
- -53.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 1, 2021 | Dec 7, 2022 | -83.3% | 467 days | 679 days (Aug 25, 2025) |
| Nov 12, 2025 | Mar 30, 2026 | -53.0% | 93 days | Not yet recovered |
| Jan 19, 2021 | Jan 27, 2021 | -19.5% | 6 days | 2 days (Jan 29, 2021) |
| Sep 22, 2025 | Oct 3, 2025 | -15.3% | 9 days | 16 days (Oct 27, 2025) |
| Oct 28, 2025 | Nov 6, 2025 | -14.2% | 7 days | 4 days (Nov 12, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $20.23B
- P/E (TTM)
- 32.9
- EPS, diluted (TTM)
- $0.48
- Revenue (TTM)
- $5.58B
- 52-week range
- $14.88 – $32.73
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.09B | $1.76B | $2.90B | $3.70B | $4.77B |
| Gross profit | $977.3M | $1.52B | $2.05B | $2.58B | $3.58B |
| Operating income | -$481.2M | -$318.7M | -$301.2M | $233.3M | $525.9M |
| Net income | -$483.9M | -$320.4M | -$300.7M | $498.7M | $481.3M |
| EPS (diluted) | -$1.00 | -$0.40 | -$0.36 | $0.39 | $0.39 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $986.2M | $1.01B | $1.04B | $1.13B | $1.27B | $1.34B | $1.41B | $1.57B |
| Net income | $60.7M | $332.5M | $71.1M | $97.3M | $139.4M | $173.5M | $166.7M | $156.6M |
| EPS (diluted) | $0.05 | $0.30 | $0.06 | $0.08 | $0.11 | $0.13 | $0.12 | $0.12 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$1.35B | -$7.26B | -$7.23B | -$1.12B | -$3.74B |
| Capital expenditure | -$52.3M | -$103.7M | -$121.2M | -$163.6M | -$242.4M |
| Free cash flow | -$1.40B | -$7.36B | -$7.35B | -$1.28B | -$3.98B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$283.4M | $0 | $0 | $0 | -$65.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $7.35B
- Total assets
- $60.95B
- Total liabilities
- $49.87B
- Total debt
- $3.41B
- Net debt
- $278.9M
- Shareholders’ equity
- $11.08B
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 188,982,888
- Days to cover
- 5.23
- Change vs previous report
- +6.5%
FINRA short interest, settlement date Sep 15, 2026.