SoFi Technologies, Inc. (SOFI)
NASDAQ · Financial Services · Financial - Credit Services
Profile
SoFi Technologies, Inc.
- Exchange
- NASDAQ
- Ticker
- SOFI
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Country
- US
SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.
Key facts
SoFi Technologies, Inc.: key facts
- SoFi Technologies, Inc. (NASDAQ: SOFI) is a Financial - Credit Services company in the Financial Services sector.
- In fiscal 2025, SoFi Technologies, Inc. reported revenue of $4.8B and net income of $481.3M.
- Revenue grew 44.7% a year over the last 4 fiscal years.
- Free cash flow was positive in 0 of the last 5 fiscal years.
- Net income was positive in 2 of the last 5 fiscal years.
- Over the last twelve months, revenue was $6.1B and net income was $737.9M.
MonkScore
SoFi Technologies, Inc.'s MonkScore
MonkScore
MonkScore range: 20–30
as of October 2026
Sector rank: 657 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth70–80
- Profitability10–20
- Quality70–80
- Market Conviction60–70
- Safety0–10
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
SoFi Technologies, Inc.'s annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $6.1B | $4.8B | $3.7B | $2.9B | $1.8B | $1.1B |
| Gross profit | $4.7B | $3.6B | $2.6B | $2.1B | $1.5B | $977.3M |
| Operating income | $907.0M | $525.9M | $233.3M | -$301.2M | -$318.7M | -$481.2M |
| Net income | $737.9M | $481.3M | $498.7M | -$300.7M | -$320.4M | -$483.9M |
| Operating cash flow | -$4.7B | -$3.7B | -$1.1B | -$7.2B | -$7.3B | -$1.4B |
| Capital expenditure | -$295.0M | -$242.4M | -$163.6M | -$121.2M | -$103.7M | -$52.3M |
| Free cash flow | -$5.0B | -$4.0B | -$1.3B | -$7.3B | -$7.4B | -$1.4B |
| Total debt | $4.0B | $1.9B | $3.2B | $5.4B | $5.6B | $4.2B |
| Cash | $2.8B | $4.9B | $2.5B | $3.1B | $1.4B | $494.7M |
Revenue growth a year
- 1-year
- 28.8%
- 3-year
- 39.3%
- 4-year
- 44.7%
Compound growth between fiscal years.
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Page built on 31 October 2026.