Financial Services
Live Price
Offline$17.91
+2.81% today
1Y Change
+18.62%
Window
Jun 23, 2025 → May 29, 2026
Coverage: 236 bars · Jun 23, 2025 → May 29, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
SoFi Technologies, Inc. (SOFI) is a Financial Services stock with a market cap of $20.95B and listed on NASDAQ. The stock last traded around $17.91 and up 18.6% across the available one-year price window (Jun 23, 2025 → May 29, 2026). Baseline metrics include revenue growth of +28.8%, EPS growth of -8.7%, a dividend yield of 0.0%. What stands out right now is revenue +28.8%, EPS -8.7%, free cash flow -210.5% with operating margin 12.6% and ROIC 1.1%. Valuation already assumes a fairly strong business story at P/E 36.3 and price/sales 4.1. Overall, the current profile looks closer to a higher-growth but lower-margin setup than a generic broad-market placeholder. Stock Foundry combines SOFI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SOFI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SOFI Max Drawdown
-52.96%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SOFI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.1B
-38.3% YoY
FY Net Income
-$483.9M
-51.0% YoY
Free Cash Flow
-$1.4B
+80.9% YoY
Revenue Growth
+28.8%
EPS Growth
-8.7%
Gross Margin
76.0%
Net Margin
11.2%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 4.8B | 3.7B | 2.9B | 1.8B | 1.1B |
| Gross Profit | 3.3B | 2.6B | 2.1B | 1.5B | 977M |
| Operating Income | 1.7B | 233M | -301M | -319M | -481M |
| EBITDA | 1.9B | 437M | -100M | -167M | -380M |
| Net Income | 481M | 499M | -301M | -320M | -484M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 4.9B | 2.5B | 3.1B | 1.4B | 495M |
| Total Assets | 50.7B | 36.3B | 30.1B | 19.0B | 9.2B |
| Total Liabilities | 40.2B | 29.7B | 24.5B | 13.5B | 4.5B |
| Shareholder Equity | 10.5B | 6.5B | 5.6B | 5.5B | 4.7B |
| Total Debt | 1.8B | 3.2B | 5.4B | 5.6B | 4.2B |
| Net Debt | -3.1B | 666M | 2.3B | 4.2B | 3.7B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
1.4B
+81.4% YoY
Capital Expenditures
52M
+49.6% YoY
Free Cash Flow
1.4B
+80.9% YoY
Key ratios
Gross Margin
76.0%
Operating Margin
12.6%
Net Margin
11.2%
ROE
6.2%
Debt / Equity
0.18x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.