SOFI - NASDAQ
SoFi Technologies, Inc.
$16.68
-10%SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
At a Glance
Live SnapshotSoFi Technologies, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
SoFi Technologies, Inc. Income Statement
SOFI • NASDAQ
| SoFi Technologies, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||
4.8B | 3.7B | 2.9B | 1.8B | 1.1B | 751.1M | 721M | 600M | 824.6M | |
GROSS PROFIT | |||||||||
(1.2B) | (1.1B) | (844.3M) | (243.6M) | (110.3M) | (185.6M) | (278.4M) | (330.6M) | (152.2M) | |
3.6B | 2.6B | 2.1B | 1.5B | 977.3M | 565.5M | 442.7M | 269.4M | 506.7M | |
OPERATING INCOME | |||||||||
(3.1B) | (2.3B) | (2.4B) | (1.8B) | (1.5B) | (894.1M) | (682.3M) | (522.8M) | (449.1M) | |
(1.8B) | (1.4B) | (1.2B) | (1.1B) | (925.4M) | (514M) | (418.5M) | (334.6M) | (380.8M) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (68.3M) | |
525.9M | 233.3M | -301.2M | -318.7M | -481.2M | -328.5M | -239.6M | -253.4M | 57.6M | |
PRE-TAX INCOME | |||||||||
(1.2B) | (1.1B) | (789.3M) | (189.3M) | (102.8M) | (185.6M) | (278.4M) | (330.6M) | (0.0) | |
2.2B | 1.7B | 1.3B | 584.1M | 252.2M | 177.9M | 329.8M | 259.1M | 0.0 | |
(1.3B) | (950.9M) | (1.1B) | (718.5M) | (533.1M) | (380.1M) | (263.8M) | (188.2M) | (0.0) | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -7.6M | |
525.9M | 233.3M | -301.2M | -318.7M | -481.2M | -328.5M | -239.6M | -253.4M | 50.1M | |
NET INCOME | |||||||||
(44.5M) | -265.3M | -416K | (1.7M) | (2.8M) | -104.5M | (98K) | -958K | (311K) | |
481.3M | 498.7M | -300.7M | -320.4M | -483.9M | -224.1M | -239.7M | -252.4M | 49.8M |
SEC Filings
SOFI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 17, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 09, 2026 | January 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 05, 2026 | January 02, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 08, 2025 | December 04, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 05, 2025 | December 04, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 04, 2025 | December 02, 2025 | 2025 |
Related Guides
Continue your SOFI research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.