SoFi Technologies Inc

SoFi Technologies Inc

SOFI

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Market Cap$23.37B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
SoFi Technologies IncSoFi Technologies Inc40.3-5%5.70.2

Earnings Call Q1 2026

April 29, 2026 - AI Summary

Strong Revenue Growth: SoFi reported an adjusted net revenue of $1.1 billion for Q1 2026, reflecting a 41% increase year-over-year (YOY). This marks an acceleration from the previous quarter's growth rate. Cash revenue was also significant, with $1.1 billion generated, showing consistent cash flow across multiple revenue streams.
Record Loan Originations: Q1 2026 saw record personal loan originations of $8.3 billion, a 2.2x increase YOY, alongside student loans of $2.6 billion (up 2.2x YOY) and home loans at $1.2 billion (up 2.4x YOY). This traction in lending indicates strong demand and market presence, highlighting the effectiveness of SoFi’s products.
Profitability and Margin: SoFi achieved an adjusted EBITDA of $340 million with a margin of 31%, up 62% YOY. Net income was $167 million, representing a 15% margin and a substantial increase from prior periods. This consistent profitability over ten consecutive quarters paints a positive picture for financial stability.

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$20.60

Target Price by Analysts

20.1% upsideSoFi Technologies Target Price DetailsTarget Price

Share Statistics

Market cap$23.37 Billion
Enterprise Value$21.52 Billion
Dividend Yield$- (-)
Earnings per Share$0.42
Beta2.13
Outstanding Shares1,276,328,000

Return

Return on Equity5.34%ROE
Return on Assets1.07%
Return on Invested Capital1.43%

Valuation & Multiples

P/E Ratio40.31P/E Ratio
PEG29.98PEG
Price to Sales5.72Price to Sales
Price to Book Ratio2.14Price to Book Ratio
Enterprise Value to Revenue4.56
Enterprise Value to EBIT28.07
Enterprise Value to Net Income37
Total Debt to Enterprise0.09
Debt to Equity0.18Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 5, 2026
EPS Estimate
$0.12
Average shareholder expectation
Revenue Estimate
$1.05 B
Average shareholder expectation

Next Earnings Call

Expected Date
August 4, 2026
EPS Estimate
$0.12
Average shareholder expectation
Revenue Estimate
$1.12 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.8044 10.67%
Total Calls173,219,746 15.34%
Total Puts139,339,296 1.83%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %61.24% 0.37%
Total Invested$11.19B 39.40%
Investors Holding1,015 89.00%

ESG Score

No data

About SoFi Technologies Inc

Relevant Senate Committees

Joint Committee on Taxation

This committee's expert analysis and official 'revenue estimates' for tax legislation directly influence the development of tax policies that are critical for financial institutions like SoFi, impacting corporate valuations and investment decisions.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Its decisions on corporate tax policy directly impact SoFi's profitability, capital structure, and the overall financial health of its customers.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC and is a key player in defining cryptocurrencies as digital commodities. Given SoFi offers crypto trading, decisions here on classification directly impact its regulatory environment and product offerings.

Banking, Housing, and Urban Affairs

This committee directly regulates the financial system, including the Fed, SEC, and bank capital requirements. As a bank holding company offering crypto, lending, and investment services, SoFi falls directly under its primary regulatory purview.