Loading…
Online personal-finance company offering loans, banking and investing, plus banking-tech for other fintechs.
Online personal-finance company offering loans, banking and investing, plus banking-tech for other fintechs.
Earns from three places: interest on loans and deposits at its bank, fees for originating loans that it then sells on to investors, and software fees from fintech clients on Galileo and Technisys. Owning a bank, bought with Golden Pacific in 2022, lets it fund loans with member deposits instead of borrowing from the market.
Moat: narrow (brand, switching costs, regulatory licence). National bank charter and a bundled member ecosystem create some stickiness versus pure-play fintechs.
Headquarters: San Francisco, California, US · Founded: 2011 · Employees: 6,100
Size SOFI (SOFI) is a United States Financials company (Finance/Rental/Leasing) with a market value of $21.0B, the 481st largest of 3,117 United States companies the cockpit tracks. Shares closed at $16.21 on 6 Nov 2026.
Performance Over six months the shares gained 2.9%, against -1.6% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 37.6% over the last twelve months (peer median +11.7%); the operating margin is 22.8% (peer median 26.2%).
Valuation It trades at 1.86× book value against a peer median of 1.65× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 27.5%; SOFI delivers 7.4%, so the price asks more than the business earns today.
Short interest Short interest is 17.0% of the free float (15 Oct 2026).
Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $6.11B | $4.77B | $3.77B | $2.91B | $1.76B |
| Revenue growth | — | +27% | +29% | +65% | — |
| Gross profit | $3.99B | $2.91B | $2.17B | $1.82B | $891M |
| EBITDA | $1.68B | $932M | $629M | $991M | $76.1M |
| Net income | $738M | $481M | $499M | -$301M | -$320M |
| Free cash flow | n/a | $1.27B | $1.11B | $431M | $104M |
| Capital expenditure | n/a | $251M | $164M | $121M | $104M |
| Total debt | $3.98B | $2.09B | $3.30B | $5.36B | $5.63B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| SOFI SOFI | $21.0B | +3% | +38% | 7% | 1.86× | 27.5% |
| Block XYZ | $51.7B | +14% | +7% | 2% | 2.26× | 36.3% |
| Affirm AFRM | $23.1B | +6% | +32% | 45% | 4.19× | 73.6% |
| Upstart UPST | $2.17B | -24% | +39% | 8% | 2.44× | 37.8% |
| JPMorgan Chase JPM | $889B | +11% | +9% | 18% | 2.53× | 20.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SOFI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.8% | +1.2% | 9th highest of 21 |
| 6-month return | +2.9% | -1.6% | 9th highest of 21 |
| Return on equity | 7.3% | 14.4% | 4th lowest of 21 |
| Price / book | 1.86× | 1.65× | 9th most expensive of 21 |
| Trailing P/E | 29.8× | 11.0× | 4th most expensive of 21 |
| ROE the price implies | 27.5% | 15.9% | 8th most demanding of 21 |
| ROE delivered | 7.4% | 14.0% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SOFI SOFI | United States | $21.0B | +3% | +38% | 7% | 1.86× | 27.5% | 7.4% |
| Synchrony Financial SYF | United States | $23.0B | +1% | -2% | 20% | 1.55× | 16.7% | 19.8% |
| Affirm AFRM | United States | $23.1B | +6% | +32% | 45% | 4.19× | 73.6% | 45.1% |
| Shriram Finance SHRIRAMFIN.NS | India | $23.9B | -5% | +10% | 15% | 2.03× | 27.6% | 14.7% |
| Kaspi.kz Joint Stock Company Sponsored ADR RegS KSPI | United States | $17.7B | +7% | +39% | 45% | 3.15× | 13.6% | 45.4% |
| Global Payments GPN | United States | $25.8B | +41% | +7% | 2% | 1.12× | 9.8% | 2.2% |
| AerCap AER | United States | $26.2B | +13% | 0% | 17% | 1.38× | 12.4% | 17.0% |
| Cholamandalam Investment and Finance CHOLAFIN.NS | India | $16.2B | +6% | +21% | 21% | 4.43× | 67.7% | 20.6% |
| Tata Capital TATACAP.NS | India | $16.0B | +10% | +18% | 14% | 3.08× | 41.2% | 14.0% |
| Orix 8591.T | Japan | $35.7B | +2% | +17% | 14% | 1.26× | 12.4% | 13.9% |
| One 97 Communications PAYTM.NS | India | $12.2B | +50% | +24% | 5% | 6.92× | 47.0% | 5.4% |
| Muthoot Finance MUTHOOTFIN.NS | India | $12.2B | -20% | +47% | 32% | 2.62× | 32.0% | 31.8% |
| Mitsubishi HC Capital 8593.T | Japan | $11.9B | -9% | +1% | 7% | 0.93× | 5.9% | 7.2% |
| Power Finance PFC.NS | India | $11.5B | -28% | +4% | 21% | 0.76× | 14.4% | n/a |
| Ally Financial ALLY | United States | $11.5B | -14% | +5% | 10% | 0.88× | 9.8% | 9.9% |
| Indian Railway Finance IRFC.NS | India | $11.1B | -25% | +13% | 13% | 1.74× | 28.2% | 12.6% |
| Rocket Companies RKT | United States | $42.7B | -4% | +88% | 8% | 1.76× | 26.3% | 7.9% |
| Ayvens AYV.PA | France | $8.45B | -16% | 0% | 9% | 0.68× | 8.0% | 9.2% |
| REC RECLTD.NS | India | $8.27B | -18% | -3% | 17% | 0.83× | 15.1% | 17.0% |
| FirstCash FCFS | United States | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% | 18.2% |
| Tokyo Century 8439.T | Japan | $7.50B | +12% | +8% | 12% | 1.01× | 7.7% | 11.6% |