SoFi
Combines consumer financial services, a national bank and infrastructure for other financial institutions.
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Profile
Offers lending, banking, investing and related financial services to consumers while providing payments and core-banking technology to institutions. Its three-segment model combines direct member distribution, a federally supervised bank balance sheet and third-party infrastructure.
Organizes its business into Lending, Financial Services and Technology Platform. Consumer offerings span student-loan refinancing, personal loans, mortgages, banking and investing, while Galileo and Technisys provide payments APIs and core-banking technology to other institutions.
The operating model connects direct member distribution with a nationally chartered bank and third-party financial infrastructure. Its US-centered workforce also supports international operations, and the combined platform grew through product launches and acquisitions beyond the original education-finance business.
Deposit-taking and lending sit within federal bank supervision, including capital, risk-management, fair-treatment and community-reinvestment requirements. Securities and lending activities also depend on advertising, compensation and supervisory controls.
Company facts
Categories
Key statistics
Year to date −34.3% · Average volume (30d) 61.7M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 17, 2026 | Piper Sandler | Initiate | Overweight | $7.50 | $22 |
| Aug 12, 2026 | Truist Financial | Target | $18 | $19 | |
| Jul 30, 2026 | Wells Fargo | Reiterate | Equal Weight | $18 | $17 |
| Jul 30, 2026 | Needham | Reiterate | Buy | $25 | $24 |
| Jul 24, 2026 | Truist Financial | Target | $17 | $18 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $0.11 | $0.12 | +9.1% | $1.11B | $1.21B | +8.1% | −8.90% |
| Apr 29, 2026Q1 FY26 | $0.12 | $0.12 | 0.0% | $1.05B | $1.09B | +3.8% | +3.67% |
| Jan 30, 2026Q4 FY25 | $0.12 | $0.13 | +12.7% | $977.4M | $1.01B | +3.6% | −3.20% |
| Oct 28, 2025Q3 FY25 | $0.08 | $0.11 | +32.0% | $888.9M | $961.6M | +8.2% | −2.40% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.04B | $1.13B | $1.27B | $1.34B | $1.41B | $1.57B | |
| Gross profit | $766.1M | $844.9M | $952.4M | $1.02B | $1.09B | $1.20B | |
| Operating income | $79.8M | $112.2M | $148.6M | $185.3M | $199.6M | $204.3M | |
| Net income | $71.1M | $97.3M | $139.4M | $173.5M | $166.7M | $156.6M | |
| Diluted EPS | $0.06 | $0.08 | $0.11 | $0.13 | $0.12 | $0.12 | |
| Gross margin | 73.9% | 74.8% | 75.1% | 76.4% | 77.5% | 76.7% | |
| Operating margin | 7.7% | 9.9% | 11.7% | 13.9% | 14.2% | 13.0% |
Fiscal years (4-quarter sums)FY21 $1.09B · FY22 $1.76B · FY23 $2.90B · FY24 $3.70B · FY25 $4.77B
Revenue by product · Q1 FY26
Revenue by geography · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $7.35B · Total debt $3.41B · Total assets $60.95B · Shareholders' equity $11.08B
Dividends
No dividends on record.
Ownership
Shares outstanding 1.28B · Float 1.26B · 98.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 72.44M | 5.65% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 57.93M | 4.52% | 13F | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 50.74M | 3.96% | 13F | Aug 13, 2026 |
| Goldman Sachs Group Inc | 35.21M | 2.74% | 13F | Aug 14, 2026 |
| UBS Group AG | 35.17M | 2.74% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 20, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −11,286 | $18.00 |
| Jul 20, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −10,954 | $17.19 |
| Jun 22, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −10,954 | $17.35 |
| Jun 18, 2026 | Robert S. Lavet | officer: General Counsel | −1,188 | $17.55 |
| Jun 17, 2026 | Jeremy Rishel | officer: Chief Technology Officer | −102,123 | $17.78 |
Peers
- Capital One
Competes across consumer deposits, credit cards and personal lending
- Happen
Digital-bank rival in consumer credit and member banking
- Robinhood Markets
Mobile investing rival spanning brokerage, retirement and cash management
- Rocket Companies
Competes in digital mortgages, refinancing and personal loans
- Fiserv
Enterprise fintech rival in issuer processing, core banking and digital banking
- FIS
Competes in core banking, card issuing and payment processing
- Marqeta
Modern card-issuing rival for API-led issuer processing
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Capital One | $223.60 | +3.64% | $132.31B | 13.3 | 9.9 | 1.7 | +26.0% |
| Happen | $18.24 | +1.93% | $2.06B | 10.8 | 9.2 | 1.6 | −20.7% |
| Robinhood Markets | $104.06 | −0.14% | $93.74B | 45.9 | 44.4 | 22.5 | +32.3% |
| Rocket Companies | $13.80 | +0.22% | $38.89B | 94.3 | 19.0 | 4.0 | +113.7% |
| Fiserv | $53.30 | +0.24% | $28.36B | 10.2 | 7.2 | 1.4 | −10.0% |
| FIS | $41.31 | −0.33% | $21.42B | 6.3 | 6.5 | 1.7 | +29.1% |
| Marqeta | $16.49 | +0.14% | $1.61B | 169.4 | 45.0 | 2.4 | +17.0% |
| Median | 13.3 | 9.9 | 1.7 | +26.0% |