SoFi Technologies (SOFI) Stock Price, News & Analysis

Company Overview

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, and Canada. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money. It offers personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform with financial services customers. In addition, it provides SoFi Money offers checking and savings accounts, debit cards, and cash management products; and SoFi Invest, a mobile-first investment platform that provides access to trading and advisory solutions, such as investing and robo-advisory. Further, the company offers SoFi Credit Card that provides cash backs on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect, which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and sells loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Key Stats

• Today's Range: $22.52 to $23.73
• 50-Day Range: $13.46 to $22.58
• 52-Week Range: $6.49 to $25.11
• Volume: 56.49 million shs
• Average Volume: 60.42 million shs
• Market Capitalization: $26.14 billion
• P/E Ratio: 49.27
• Dividend Yield: N/A
• Price Target: $18.29
• Consensus Rating: Hold

SoFi Technologies Stock Analysis - MarketRank™

SoFi Technologies scored higher than 51% of companies evaluated by MarketBeat, and ranked 1298th out of 1,837 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

SoFi Technologies has received a consensus rating of Hold. The company's average rating score is 2.24, and is based on 6 buy ratings, 11 hold ratings, and 3 sell ratings.

Amount of Analyst Coverage

SoFi Technologies has been the subject of 14 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 103.85%

Earnings Growth

Earnings for SoFi Technologies are expected to grow by 103.85% in the coming year, from $0.26 to $0.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SoFi Technologies is 49.21, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 28.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of SoFi Technologies is 49.21, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.49.

Price to Earnings Growth Ratio

SoFi Technologies has a PEG Ratio of 2.74. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

SoFi Technologies has a P/B Ratio of 3.97. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

12.35% of the float of SoFi Technologies has been sold short.

Short Interest Ratio / Days to Cover

SoFi Technologies has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SoFi Technologies has recently decreased by 12.51%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

SoFi Technologies does not currently pay a dividend.

Dividend Growth

SoFi Technologies does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

12.35% of the float of SoFi Technologies has been sold short.

Short Interest Ratio / Days to Cover

SoFi Technologies has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SoFi Technologies has recently decreased by 12.51%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.79

News Sentiment

SoFi Technologies has a news sentiment score of 0.79. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 40 news articles for SoFi Technologies this week, compared to 33 articles on an average week.

Search Interest

336 people have searched for SOFI on MarketBeat in the last 30 days. This is an increase of 49% compared to the previous 30 days.

MarketBeat Follows

157 people have added SoFi Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 87% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, SoFi Technologies insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $4,043,240.00 in company stock.

Percentage Held by Insiders

Only 2.60% of the stock of SoFi Technologies is held by insiders.

Percentage Held by Institutions

Only 38.43% of the stock of SoFi Technologies is held by institutions.

SOFI Stock Analysis - Frequently Asked Questions

How have SOFI shares performed this year?

SoFi Technologies' stock was trading at $15.40 on January 1st, 2025. Since then, SOFI stock has increased by 53.6% and is now trading at $23.65.

How were SoFi Technologies' earnings last quarter?

SoFi Technologies, Inc. (NASDAQ:SOFI) posted its quarterly earnings data on Tuesday, July, 29th. The company reported $0.08 EPS for the quarter, beating analysts' consensus estimates of $0.06 by $0.02. The firm's revenue was up 42.8% compared to the same quarter last year.
Read the conference call transcript.

Who are SoFi Technologies' major shareholders?

Top institutional shareholders of SoFi Technologies include Vanguard Group Inc. (9.07%), Geode Capital Management LLC (1.73%), Twin Tree Management LP and Charles Schwab Investment Management Inc. (0.60%). Insiders that own company stock include Anthony Noto, Robert S Lavet, Christopher Lapointe, Jeremy Rishel, Aaron Webster, Magdalena Yesil, Webb Lauren Stafford, Kelli Keough, Chad M Borton, Eric Schuppenhauer, Bashir Ruzwana, Qatar Investment Authority and Iv (Gp) LLC Slta.
View institutional ownership trends.

How do I buy shares of SoFi Technologies?

Shares of SOFI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of SoFi Technologies own?

Based on aggregate information from My MarketBeat watchlists, some other companies that SoFi Technologies investors own include Symbotic (SYM), JPMorgan Nasdaq Equity Premium Income ETF (JEPQ), Digital Turbine (APPS), ChargePoint (CHPT) and CrowdStrike (CRWD).

Company Calendar

• Last Earnings: 7/29/2025
• Today: 8/12/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SOFI
• CIK: 1818874
• Web: www.sofi.com
• Phone: 855-456-7634
• Fax: N/A
• Employees: 5,000
• Year Founded: N/A

Price Target and Rating

• Average Price Target for SoFi Technologies: $18.29
• High Price Target: $26.00
• Low Price Target: $12.00
• Potential Upside/Downside: -22.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.24
• Research Coverage: 21 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.48
• Trailing P/E Ratio: 49.21
• Forward P/E Ratio: 91.02
• P/E Growth: 2.74
• Net Income: $498.67 million
• Net Margins: 18.38%
• Pretax Margin: 7.81%
• Return on Equity: 4.51%
• Return on Assets: 0.80%

Debt

• Debt-to-Equity Ratio: 0.46
• Current Ratio: 0.80
• Quick Ratio: 0.14

Sales & Book Value

• Annual Sales: $2.67 billion
• Price / Sales: 9.78
• Cash Flow: $0.42 per share
• Price / Cash Flow: 56.20
• Book Value: $5.96 per share
• Price / Book: 3.97

Miscellaneous

• Outstanding Shares: 1,105,360,000
• Free Float: 1,076,624,000
• Market Cap: $26.16 billion
• Optionable: Optionable
• Beta: 1.93