SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning.
It is a $20.4B financial services company. Revenue grew 40.8% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 32.1× earnings — near the lowest of its own history.
- Website
- sofi.com
- Location
- San Francisco, CA
- Employees
- 6 100
- Sector
- Financial Services
- Founded
- 2011
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Profitability, Health, Quality and Moat lag behind.
Valuation55
- P/E vs own history7th pct · 25/25
- FCF yield-43.1% · 0/25
- P/S3.3x · 20/25
- EV/EBITDAn/a · 10/25
Growth50
- Revenue CAGR38.4% · 25/25
- Net income CAGRn/a · 0/25
- EPS CAGR ~5Yn/a · 0/25
- Fwd implied growth42.8% · 25/25
Profitability37
- ROIC8.7% · 12/25
- ROE6.2% · 5/25
- Net margin14.8% · 20/25
- Operating margin-19.9% · 0/25
Health28
- Altman Z0.31 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality22
- Piotroski F4/9 · 10/25
- Beneish M-1.58 · 6/25
- FCF conversion-1382% · 0/25
- Margin stabilityσ 24.7% · 6/25
Moat25
- ROIC >12% years0/6 yrs · 0/25
- Median gross margin82.1% · 25/25
- FCF-positive years0/5 yrs · 0/25
- Worst-year net marginworst -49.1% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- 2025ProductThe company launched a stablecoin, called SoFiUSD
- 2025MilestoneSoFi became the first nationally chartered consumer bank in the U.S
- FY2024FinancialTurned profitable$499M net income after a loss year
- FY2024FinancialBest year on record$499M net income
- 2023AcquisitionThe company announced it had acquired Wyndham Capital Mortgage in an all-cash deal
- FY2022FinancialRevenue crossed $1B$1.57B for the year
- 2020ProductSoFi launched its first-ever credit card
- 2020AcquisitionSoFi acquired Salt Lake City-based financial services API and payments platform "Galileo" for $1.2…
- 2019ProductSoFi launched a partnership with Coinbase to offer trading of Bitcoin, Ethereum, Litecoin
- 2016MilestoneSoFi became the first startup online lender to receive a triple-A rating from Moody's
- 2016ProductSoFi launched SoFi at Work, an employee benefit program to reduce student debt and build…
- 2013MilestoneSoFi announced a deal with Barclays and Morgan Stanley to create a bond backed by peer-to-peer…
- 2011FoundedFounded in 2011 by Stanford University graduates as a student loan refinancier, it operates a direct bank serving…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Revenue growing 40.8% year over year
Watch-outs
- Negative free cash flow (-$8.8B)
- Altman Z-Score 0.31 — elevated financial-distress risk
- Loss-making in 4 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+40.8% YoY
- Profitable — makes more than it spends$636M TTM
- Profit growing — earnings are higher than last year-3.5% YoY
- Generates cash — cash left after running and investing-$8.79B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$20.4B market cap
- Not printing shares — share count not ballooning — you keep your slice+137.6% shares over ~5y
- Proven track record — years of profitability behind it2/6 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.3 — distress
- Pays a dividend — returns cash to shareholdersnone
- Valuation not extreme — price not wildly above earningsP/E 32.1
Peer comparisonSoFi Technologies, Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| SOFI this company | $20.4B | 32.1 | +40.8% | 14.8% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: SOFI vs BRK.A · SOFI vs BRK.B · SOFI vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2020–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/SOFI
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of SOFI on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $15.78 · market cap $20.4B.