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SoFi TechnologiesSOFI

Consumer Finance
Solid businessPricier than peers
$16.76−4.83%After hours: $16.77 (+0.06%)At the close, 30 Oct · Prices from CNBC, may be delayed
▼ 45.8% over 1 year
SoFi Technologies over 1 yearDaily close, $, to 30 Oct 2026
$15$20$25$30Nov2026MarMayJulSep$16.76$20$30NovMarJul$16.76
Source: Nasdaq daily closes
Market value$21.73B
Price to earnings30.8x
Forward P/E22.3x
Dividend yield–
Year to date−36.0%
One year−45.8%
Next earningsNot scheduled
SectorFinancials
52-week range (closes)
$14.22$32.21

Quality and valuation

How SoFi Technologies compares with other financials stocks. A description, not a recommendation.

SoFi Technologies and 4 consumer finance peers. Across: valuation (P/E) against the sector. Up: business quality against the sector. Hover or tap a logo for its numbers.

Business quality: about averageValuation: pricier than most

An average business among financials companies, priced above most of them.

SoFi Technologies trades at 22.3 times the next 12 months of expected earnings, against a median of 13.0x for the 84 financials stocks we cover. The quality score blends where it ranks on revenue growth, gross margin, operating margin and free-cash-flow margin (net margin for banks and insurers) over the last 12 months, from SEC filings.

  • Revenue grew faster than the sector median: +40.8% vs +10.2%
  • Turns less of its sales into cash: −204.2% vs 20.3%
  • Keeps less of its revenue as profit (net margin): 14.8% vs 20.7%
SOFI trades at 22.3x forward earnings, above the sector medianForward p/e, Consumer Finance peers
UPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0xUPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0x
Source: CNBC quotes; Mostly Markets

Financials

From SoFi Technologies's SEC filings, through the quarter ending 30 Jun 2026. Hover or tap a bar for its value.

Revenue grew 42.5% from a year earlierQuarterly revenue, $bn, latest Q2 ’26
$0.0bn$0.5bn$1.0bnQ3 ’24Q1 ’25Q3 ’25$1.2bnQ2 ’26$0.0bn$0.5bn$1.0bnQ3 ’24Q1 ’25Q3 ’25$1.2bnQ2 ’26
Source: SEC filings
Growth slowed to +42.5% last quarterRevenue growth, year on year, %
0%20%40%Q3 ’24Q1 ’25Q3 ’2542.5%Q2 ’260%20%40%Q3 ’24Q1 ’25Q3 ’2542.5%Q2 ’26
Source: SEC filings
Free cash flow was −$8.8 billion over 12 monthsQuarterly free cash flow (operating cash flow minus capex), $bn
$-3bn$-2bn$-1bn$0bnQ3 ’24Q1 ’25Q3 ’25−$4.0bnQ2 ’26$-2bn$0bnQ3 ’24Q1 ’25Q3 ’25−$4.0bnQ2 ’26
Source: SEC filings
Diluted EPS was $0.12 last quarterQuarterly diluted earnings per share, $
$0.0$0.1$0.2Q3 ’24Q1 ’25Q3 ’25$0.12Q2 ’26$0.0$0.1$0.2Q3 ’24Q1 ’25Q3 ’25$0.12Q2 ’26
Source: SEC filings
Last 12 monthsSOFISector median
Revenue growth+40.8%+10.2%
Free cash flow margin−204.2%20.3%
Price to earnings30.8x14.6x

Stories on SoFi Technologies

Wednesday, 28 October
Big movers

Stocks Making the Biggest Moves Yesterday: Xylem, SoFi, Pentair, Celestica and Boeing

Xylem plunged 14.2% on a forecast cut and Boeing 10.7% on a slower 737 ramp, while SoFi soared 13.4%, Pentair 12.8%, and Celestica 12.1% on strong results on Tuesday.

XYL▼ 5.0%
Screens of market charts

Similar companies

Consumer Finance, by market value.

CompanyPriceTodayYTDValue
AXPAmerican Express$319.11−1.42%−13.7%$214B
COFCapital One$204.85−1.86%−15.5%$123B
SYFSynchrony Financial$75.35−2.10%−9.7%$23.46B
UPSTUpstart$23.02−7.33%−47.4%$2.24B