SoFi Technologies, Inc.
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Range $16 – $29
Price Chart
About the company
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services.
- CEO
- Anthony J. Noto
- IPO
- 2021
- Employees
- 6,100
- HQ
- San Francisco, CA, US
AI snapshot
Six angles, distilled from the data.
The stock is in a recovery phase after a deep reset from its 52-week high of 32.73, but it still sits below the 200-day average at 20.93. The 50-day average at 17.44 has turned into nearby support, signaling a constructive intermediate trend rather than a full long-term breakout.
Wall Street is cautious-to-neutral, with a Hold consensus and a 21.11 average target, only modestly above the current setup. Recent changes have been mixed: Truist lifted its target to $19, Goldman Sachs to $21, while Wells Fargo cut to $17, keeping sentiment balanced rather than euphoric.
The earnings trend is favorable, with SoFi beating EPS in 7 of the last 8 quarters and the latest quarter topping estimates by 9.1%. Next-year EPS is modeled at 0.8122 versus 0.49 TTM, so shareholders should watch whether revenue growth and margin expansion keep supporting that step-up.
Recent insider activity leans to net selling, but the main discretionary signal is limited. The two sales by Kelli Keough stand out, while most other filings are award, exempt, or vesting-related transactions that are not strong directional signals.
Profitability is improving, but the business still carries a growth-company profile. Gross margin is 83.7%, operating margin is 16.96%, and net margin is 14.91%, while revenue grew 42.6% year over year and earnings grew 40.4%.
SoFi looks stronger on growth than many consumer finance peers, but it still trades like a premium name in the group. The stock’s 41.33 P/E is rich versus a financials backdrop, so execution has to keep justifying the multiple.
Similar companies
Peers in the same neighborhood.
- Market Cap
- $23.00B
- P/E
- 35.16
- Fwd P/E
- 30.07
- PEG
- -9.32
- P/S
- 4.12
- P/B
- 2.08
- EV/EBITDA
- 25.10
- Div Yield
- 0.00%
- Gross Margin
- 76.46%
- Op Margin
- 13.22%
- Net Margin
- 11.40%
- ROE
- 6.18%
- ROIC
- -1.77%
Latest fiscal year · YoY change
- Revenue
- $4.77B+28.8%
- Gross Profit
- $3.58B+38.8%
- Op Income
- $525.86M
- Net Income
- $481.32M-3.5%
- EPS
- $0.42-8.7%
- OCF Growth
- -234.2%
- FCF Growth
- -210.5%
- 52W High
- $32.73
- 52W Low
- $14.88
- 50D MA
- $17.58
- 200D MA
- $20.63
- Beta
- 2.20
- RSI (14)
- 51
- Avg Volume
- 77.23M
Earnings call summaries
Pick a quarter — each call distilled into takeaways, results, and a bull vs bear read.
SoFi said Q2 2026 was an exceptional quarter, with 40% revenue growth, 30% EBITDA margins, record member and product additions, and accelerating cross-buy that management says is pushing the business toward its long-term return targets.· July 29, 2026
- Adjusted net revenue rose 40% year over year to $1.2 billion; adjusted EBITDA was $358 million with a 30% margin, and adjusted EPS was $0.12.
- SoFi added a record 1.1 million members and 2.2 million products, bringing totals to 15.8 million members and 24.4 million products.
- Cross-buy improved sharply: 51% of new products came from existing members, up from 43% last quarter and 35% a year ago.
- Loan originations hit a record $14.8 billion, including a first-ever $10 billion quarter of personal loans and strong growth in student and home loans.
- Management raised full-year revenue guidance but kept EBITDA guidance unchanged, saying it wants to keep investing in growth opportunities.
Q2 adjusted net revenue increased 40% year over year to $1.2 billion. Adjusted EBITDA was $358 million, up 44% year over year, with a 30% margin; adjusted net income was $160 million and adjusted EPS was $0.12, which included about a $0.05 tax-rate headwind. Cash revenue was $1.2 billion, marking the third straight quarter above $1 billion. Lending adjusted net revenue was a record $712 million; total loan originations were a record $14.8 billion, including $10.7 billion of personal loans, $2.7 billion of student loans, and $1.4 billion of home loans. Full-year 2026 guidance is adjusted net revenue of $4.75 billion to $4.85 billion, adjusted EBITDA of about $1.6 billion, adjusted net income of about $825 million, and EPS of about $0.60; management said the revenue outlook implies roughly 32% to 35% growth, and the EPS guide reflects a 22% tax rate.
Anthony Noto framed the quarter as a clear inflection point for SoFi’s “everything app” strategy, saying products per member and cross-buy are accelerating and driving higher lifetime value. He highlighted SoFi Plus and SoFi Coach as key strategic products that deepen engagement, increase recurring revenue, and expand the company’s reach beyond lending. His tone was highly confident and expansive, repeatedly emphasizing that the model is increasingly difficult to replicate and that the long-term 20% to 30% ROTCE target is becoming visible.
Chris Lapointe focused on the durability of revenue and profitability, noting that SoFi generated $1.2 billion of cash revenue in Q2, including $790 million of net interest income and about $420 million from fee streams. He said the company exited Q2 with $3.6 billion of cash, $45.5 billion of deposits, a 5.98% net interest margin, and a total capital ratio of 18.8%, while also reiterating that SoFi expects NIM above 5% for the foreseeable future. He explained that management held EBITDA guidance steady because it sees too many attractive growth opportunities to pass up, and said the company expects to operate within its target capital range without raising capital.
Analysts focused on the loan platform business, asking about capacity in newer categories like SMB and home equity, the economics of those deals, and whether SoFi is purposely not filling all requested volume on personal loans. Management said the LPB strategy is evolving from referrals to a broader menu of asset types, with SMB partnerships totaling $3 billion over three years with Basepoint Capital plus another undisclosed partner, and home equity loans/HELOCs coming online soon. Other questions centered on whether SoFi should prioritize monetization over member growth, the competitive environment and CAC trends, and capital deployment; management said growth, monetization, and product expansion are all working together, CAC remains stable outside lending, and the company is comfortably self-funded under its current plan.
The bull case is that SoFi is showing both rapid growth and improving monetization at the same time: revenue, EBITDA, members, products, deposits, and cross-buy all accelerated in Q2. Management also pointed to expanding fee-based businesses, new products like SoFi Plus, SoFi Coach, SMB lending, and Big Business Banking, which could deepen the flywheel and make future earnings more durable.
The main risks discussed were a still-competitive lending environment, dependence on interest-rate conditions, and the need to keep investing rather than fully harvesting near-term profit. Management also acknowledged that some LPB demand is not being fulfilled today and that capital deployment must stay balanced, even as it expects to remain within its target capital range without raising new capital.
AI summary of the company's earnings call · Paraphrased · Not investment advice
- Free Float
- 98.2%
- Shares Outstanding
- 1.28B
- Float Shares
- 1.26B
of shares held by institutions
1,026 13F filers
Buy/sell ratio 2.20. Sells can include pre-scheduled 10b5-1 plan sales, not just discretionary selling.
Congressional trading
Senate and House stock disclosures for SOFI, newest first.
Source: public STOCK Act disclosures. Filed weeks after the trade — a lagging signal, not a real-time one.
Top institutional holders
Largest 13F positions, with quarter-over-quarter change.
| Holder | Shares | Δ Quarter |
|---|---|---|
| Vanguard Group Inc | 111.00M | ▲ 3.90M |
| Blackrock, Inc. | 72.44M | ▲ 2.89M |
| Vanguard Capital Management LLC | 57.93M | ▲ 820.27K |
| Goldman Sachs Group Inc | 35.21M | ▲ 22.68M |
| Ubs Group AG | 35.17M | ▼ 1.25M |
| State Street Corp | 28.76M | ▲ 1.45M |
| Geode Capital Management, LLC | 23.36M | ▼ 2.63M |
| Morgan Stanley | 19.52M | ▼ 1.74M |
| D. E. Shaw & Co., Inc. | 14.69M | ▼ 28.03M |
| Norges Bank | 13.63M | ▲ 13.63M |
| Marshall Wace, Llp | 11.70M | ▲ 5.18M |
| Millennium Management LLC | 10.49M | ▲ 2.24M |
Held by 845 ETFs
Biggest fund positions in SOFI by dollar value.
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Aug 17, 26 | Schuppenhauer Eric | other | 55,731 |
| Aug 17, 26 | Schuppenhauer Eric | other | 55,731 |
| Aug 18, 26 | Schuppenhauer Eric | other | 23,720 |
| Aug 17, 26 | Pinto Arun | other | 45,389 |
| Aug 17, 26 | Pinto Arun | other | 45,389 |
| Aug 18, 26 | Pinto Arun | other | 25,118 |
| Jul 14, 26 | HUTTON GEORGE THOMPSON | other | 13,993 |
| Jul 14, 26 | Ruzwana Bashir | other | 13,993 |
| Jul 14, 26 | Borden William A. | other | 13,993 |
| Jul 14, 26 | Hele John C.R. | other | 13,993 |
A “Sell” may be a pre-scheduled 10b5-1 plan sale rather than a discretionary decision — read insider selling with that in mind.
Our SOFI coverage
Recent articles, reports, and earnings notes.

SoFi Technologies (SOFI): Cross-Sell Growth vs. Valuation Risk
SoFi is scaling quickly across lending, financial services, and its technology platform, with Q1 2026 revenue and EBITDA both surging. The stock still looks fairly valued at a Hold, as strong growth is offset by a premium multiple and elevated risk.

SWB SPAC Merger: $8.5B Stablecoin Bank Meets a Cash Clock
SWB is going public by merging with Soulpower Acquisition Corp. (NASDAQ: SOUL), with the parties saying the deal is expected to close in late Q2 or Q3 2026. The setup is bold: a newly formed digital banking and stablecoin platform with a large headline valuation, but also meaningful redemption, dilution, and execution risk.

What to Watch as Old Glory Bank's SPAC Merger Moves to Close
Old Glory Bank, a digital-first bank serving personal and small-business customers nationwide, is going public through a merger with Digital Asset Acquisition Corp. (DAAQ). The deal is expected to list the combined company on Nasdaq under OGB, with the key question now being whether redemptions and dilution leave enough cash to support growth.
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Headlines from third-party outlets — TickerSpark isn't affiliated with these sources.
AI analysis · Last refreshed August 13, 2026 · Live quote · Not investment advice