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NASDAQ NMS - GLOBAL MARKET · Financial Services · CIK 0001818874
$14.90
+1.50% · delayed ~15 min
Last price from Oct 21, 2026
$18.93B market value
From SoFi Technologies, Inc.'s FY2025 10-K, filed Feb 17, 2026 · read the filing
SoFi Technologies lends money and provides credit. It took in $619.4M last year, which makes it a smaller company. Of every dollar it sells, about 78 cents is left as profit.
The financial picture is led by growth, with profitability and debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
Generally healthy, with a few things to watch.
From SoFi Technologies, Inc.'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Gross profit
$41.5M → $10.4M
Profit margin
99.1% → 77.7%
Free cash flow
-$1.27B → -$3.98B
Cash
$2.54B → $4.93B
Measured against FY2024, from the 10-K filed Feb 17, 2026
Deteriorated: -75.0%
$41.5M to $10.4MCritical
Why it matters: What is left of sales after the direct cost of producing them. It normally moves with revenue, so a move out of step with revenue is the part worth noticing.
How the latest move compares (quote delayed ~15 min), and what was published around it
SOFI rose 1.50% on the latest quote. The average Financials company tracked here moved +1.14%, and the S&P 500 −1.04%. That is in line with its sector and 2.5 points above the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 32 analysts covering this company, as of . Their views, not this site's.
Of 32 analysts publishing on this company, 6 say strong buy, 9 say buy, 13 say hold, 3 say sell and 1 say strong sell. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 78 cents of every dollar of sales as profit, earning $481.3M last year. Note that operations still consumed cash despite the reported profit.
Yes, quickly. Sales grew 23.1% last year.
For every $1 it owes, it owns $1.26 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2025 annual filing
Last year it earned $481.3M and generated -$3.74B of cash from operations.
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 17, 2026Filing for FY2025 | FY202410-K · Feb 24, 2025Filing for FY2024 | FY202310-K · Feb 27, 2024Filing for FY2023 | FY202210-K · Mar 1, 2023Filing for FY2022 | FY202110-K · Mar 1, 2022Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $619.4M | $503.1M | $421.5M | $377.1M | $247.7M | +23.1% |
| Cost of revenue | $609.0M | $461.6M | $380.0M | $313.2M | $257.0M | +31.9% |
| Gross profit | $10.4M† | $41.5M† | $41.5M† | $63.9M† | -$9.3M† | −75.0% |
| Gross marginGross profit ÷ revenueWhat is this? | 1.7% | 8.2% | 9.8% | 16.9% | -3.7% | −6.6 pts |
| Selling, general and administrative | $704.4M | $600.1M | $511.0M | $501.6M | $498.5M | +17.4% |
| Interest expense | — | — | $789.3M | $189.3M | $102.8M | — |
| Income before tax | $525.9M | $233.3M | -$301.2M | -$318.7M | -$481.2M | +125.4% |
| Net income | $481.3M | $498.7M | -$300.7M | -$320.4M | -$483.9M | −3.5% |
| Net marginNet income ÷ revenueWhat is this? | 77.7% | 99.1% | -71.4% | -85.0% | -195.4% | −21.4 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $0.3788 | $0.4553 | $-0.3082 | $-0.3431 | $-0.5844 | −16.8% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| SOFISoFi Technologies, Inc. · this page | 7.3/10 | 1/7 |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Sold on the open market — 10,203 shares at $14.72 ($150.2K)
Holds 397,870 shares after this filing.
Sold on the open market
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Quarterly report for Q2 FY2026
Profit margin +37.9 pts · Gross profit turned negative · Profit +61.0% — against Q2 FY2025
Read the filingPublished results
Read the filingWrite down why you are following SoFi Technologies, Inc., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 16 subsidiaries named in its 10-K. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from SOFI's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 17, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 7.3 | 1/7 | 10-K, filed Feb 17, 2026 |
| FY2024 | 7.3 | 2/7 | 10-K, filed Feb 24, 2025 |
| FY2023 | 4.7 | 1/7 | 10-K, filed Feb 27, 2024 |
| FY2022 | 6.0 | 3/8 | 10-K, filed Mar 1, 2023 |
| FY2021 | 6.0 | 3/8 | 10-K, filed Mar 1, 2022 |
| FY2020 | 6.0 | 1/5 | 10-K, filed Mar 1, 2022 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
1 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Deteriorated: −21.4 pts
99.1% to 77.7%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: $2.71B wider
-$1.27B to -$3.98BCritical
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +94.2%
$2.54B to $4.93BCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: +16.0%
1.10B to 1.27BCritical
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Changed: +57.2%
$154.3M to $242.4MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Improved: +23.1%
$503.1M to $619.4MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: −6.6 pts
8.2% to 1.7%Significant
Why it matters: What survives each sale before overheads. Falling gross margin usually means the company is discounting or its input costs rose — it is the earliest place pricing pressure shows.
Deteriorated: -16.8%
$0.46 to $0.38Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Aug 6, 2026 — read it.
Deteriorated: turned negative
$1.5M to -$46.6MCritical
Why it matters: What is left of sales after the direct cost of producing them. It normally moves with revenue, so a move out of step with revenue is the part worth noticing.
Improved: +61.0%
$97.3M to $156.6MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: −31.3 pts
1.0% to -30.3%Critical
Why it matters: What survives each sale before overheads. Falling gross margin usually means the company is discounting or its input costs rose — it is the earliest place pricing pressure shows.
Improved: +37.9 pts
64.0% to 102.0%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: +47.3%
$2.12B to $3.13BCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: +15.9%
1.11B to 1.29BCritical
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Improved: +38.9%
$0.09 to $0.12Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Aug 6, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Deteriorated: −26.8 pts
128.7% to 102.0%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: +18.6%
$129.5M to $153.6MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: $4.9M wider
-$41.6M to -$46.6MNotable
Why it matters: What is left of sales after the direct cost of producing them. It normally moves with revenue, so a move out of step with revenue is the part worth noticing.
Deteriorated: -6.1%
$166.7M to $156.6MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +1.8 pts
-32.1% to -30.3%Notable
Why it matters: What survives each sale before overheads. Falling gross margin usually means the company is discounting or its input costs rose — it is the earliest place pricing pressure shows.
Deteriorated: -6.7%
$0.13 to $0.12Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -8.1%
$3.40B to $3.13BNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
1 other measure barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 16.9% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 33.8x — a high multiple relative to the current trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported annual figures
| 23.1% |
| 77.7% |
| 39.33x |
| 3.83x |
| AXPAMERICAN EXPRESS CO | 7.3/10 | 5/7 | 6.4% | 26.2% | 20.59x | 7.96x |
|---|
| COFCAPITAL ONE FINANCIAL CORP | 8.7/10 | 4/7 | 36.3% | 30.4% | 51.84x | 4.89x |
|---|
| SYFSynchrony Financial | 8.0/10 | 6/6 | — | — | 7.34x | 6.10x |
|---|
| ALLYAlly Financial Inc. | 7.3/10 | 6/7 | 3.8% | 68.5% | 14.23x | 11.65x |
|---|
| Median of peers | 7.7/10 | — | 6.4% | 30.4% | 17.41x | 7.03x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Holds 912,650 shares after this filing.
Sold on the open market — 10,203 shares at $16.99 ($173.3K)
Holds 408,073 shares after this filing.
Exercised stock options — 11,434 shares
Holds 230,721 shares after this filing.
Exercised stock options — 9,740 shares
Holds 240,461 shares after this filing.
Had shares withheld to cover taxes — 11,838 shares at $17.28 ($204.5K)
Holds 228,623 shares after this filing.
Exercised stock options — 136,166 shares
Holds 12,255,208 shares after this filing.
Exercised stock options — 154,197 shares
Holds 12,409,405 shares after this filing.
Exercised stock options — 55,191 shares
Holds 12,464,596 shares after this filing.
Had shares withheld to cover taxes — 188,259 shares at $17.32 ($3.3M)
Holds 12,276,337 shares after this filing.
Exercised stock options — 36,057 shares
Holds 124,257 shares after this filing.
Had shares withheld to cover taxes — 14,414 shares at $17.28 ($249.1K)
Holds 109,843 shares after this filing.
Exercised stock options — 52,954 shares
Holds 1,878,433 shares after this filing.
Exercised stock options — 36,589 shares
Holds 1,915,022 shares after this filing.
Exercised stock options — 14,609 shares
Holds 1,929,631 shares after this filing.
Had shares withheld to cover taxes — 59,341 shares at $17.32 ($1.0M)
Holds 1,870,290 shares after this filing.
Exercised stock options — 82,643 shares
Holds 439,085 shares after this filing.
Exercised stock options — 26,476 shares
Holds 465,561 shares after this filing.
Exercised stock options — 13,067 shares
Holds 478,628 shares after this filing.
Exercised stock options — 5,681 shares
Holds 484,309 shares after this filing.
Had shares withheld to cover taxes — 66,033 shares at $17.28 ($1.1M)
Holds 418,276 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 18,624 shares ($325.9K) on or after .
Shares originally obtained via Restricted Stock Vesting.
Filed notice to sell 30,918 shares ($524.4K) on or after .
Shares originally obtained via RSU Vesting.
Filed notice to sell 66,033 shares ($1.1M) on or after .
Shares originally obtained via Restricted Stock Vesting.
Filed notice to sell 14,414 shares ($249.1K) on or after .
Shares originally obtained via Restricted Stock Vesting.
Filed notice to sell 41,750 shares ($721.4K) on or after .
Shares originally obtained via Restricted Stock Vesting.
Filed notice to sell 11,838 shares ($204.5K) on or after .
Shares originally obtained via Restricted Stock Vesting.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Held a shareholder vote
Quarterly report for Q1 FY2026
Revenue -7.7% · Profit margin +78.1 pts · Gross profit turned negative — against Q1 FY2025
Read the filingProxy statement for a shareholder meeting
Read the filingPublished results
Read the filingAnnual report for FY2025
Revenue +23.1% · Profit margin −21.4 pts · Gross profit -75.0% — against FY2024
Read the filingPublished results
Read the filingHad a director or senior officer leave or join
Read the filingReported another event
Read the filingReported another event
Read the filingReported another event
Read the filingHad a director or senior officer leave or join
Read the filingMade a Regulation FD disclosure
Read the filingQuarterly report for Q3 FY2025
Revenue +19.5% · Profit margin +42.6 pts · Gross profit turned negative — against Q3 FY2024
Read the filingPublished results
Read the filingMade a Regulation FD disclosure
Read the filingQuarterly report for Q2 FY2025
Revenue +25.8% · Profit margin +49.6 pts · Gross profit -86.9% — against Q2 FY2024
Read the filingReported another event
Read the filingReported another event
Read the filingSource: Exhibit 21 of the 10-K filed 2026-02-17. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
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