SOFI

SoFi Technologies, Inc.

Quarterly revenue, EPS, free cash flow, valuation, and Rule of 40 scores for SoFi Technologies, Inc..

R40: -106$24.66B
$19.10+0.44 (+2.36%)● Live
Current Narrative

SoFi is a 'pound the table' moment with first $1B revenue quarter and record profitability. 2026 guidance for 30% revenue and +52% EBITDA growth. Upgrades rolling in from large banks; catalysts include blockchain/stablecoin launch and potential S&P 500 inclusion (March 20 rebalance date). Capital raise caused short-term volatility but fundamentals strong.

Rule of 402025 Q3
-105.6
✗ Below 40
Revenue Growth YoY+37.8%
+
FCF Margin-143.4%
History
-500
Q3
-10
Q4
2023 R40 -319
148
Q1
-68
Q2
-142
Q3
16
Q1
-137
Q2
-106
Q3
ANALYST RATINGS
Hold$23
SOFI
Mkt Outperform$30
Upgrade
2026-02-09
Overweight$31
Upgrade
2026-02-03
Buy$33
Reiterated
2026-02-02
Underperform$20.50
Resumed
2026-01-06
Buy$29
Reiterated
2025-09-10
Company timeline

Earnings release dates

QuarterEnd datePublication dateSource
2025 Q42025-12-312026-01-30Link
2025 Q32025-09-302025-10-28Link
2025 Q22025-06-302025-07-29Link
2025 Q12025-03-312025-04-29Link
2024 Q42024-12-312025-01-27Link
2024 Q32024-09-302024-10-29Link
2024 Q22024-06-302024-07-30Link
Background

Company History

ExchangeNASDAQ
IPO DateJun 1, 2021
IPO Price$10.00
Shares Outstanding1.29Bi
2011
SoFi Founded
Founded by Stanford University graduate students Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady, initially focusing on student loans.
2012
Initial Funding
Raised $77.2 million in funding led by Baseline Ventures to support student loan programs.
2013
First P2P Securitization
Raised $500 million in debt and equity; created first securitization of peer-to-peer student loans with Barclays and Morgan Stanley.
2014
Series C & Product Expansion
Raised $80 million in Series C funding to expand student loan refinancing into mortgages and personal loans.
2015
$2B in Loans
Raised $200 million; began offering personal loans and mortgages in 20+ states; funded over $2 billion in loans.
2017
SoftBank Investment
Raised $500 million from Silver Lake and SoftBank for global expansion; launched online wealth management service.
2021
SPAC IPO on NASDAQ
Went public through a SPAC merger, beginning trading on Nasdaq under ticker SOFI.
2022
National Bank Charter
Received approval for a national bank charter, becoming the first full-service fintech startup to do so.
2025
Crypto & Stablecoin Launch
Launched cryptocurrency trading directly in app and introduced its own stablecoin, SoFiUSD.
2026
S&P 500 Eligibility
With 9 consecutive profitable quarters and $25B+ market cap, SoFi meets all S&P 500 inclusion criteria. Prediction markets show 53% odds for March 20, 2026 rebalance.
Leadership

Key Players

Anthony Noto
CEO
anthonynoto
Former COO of Twitter and CFO of NFL; joined SoFi in 2018 and transformed it into a digital bank.
Chris Lapointe
CFO
Oversees financial strategy, capital markets, and investor relations.
Lauren Stafford Webb
Chief Marketing Officer
Leads brand, marketing, and member acquisition strategies.
Aaron Webster
Chief Risk Officer
Manages credit risk, compliance, and regulatory affairs.
Short Interest

Short interest data unavailable for SOFI.