SoFi Technologies Inc

SoFi Technologies Inc

SOFI

Get informed when a big investor buys or sells

+ Follow
Market Cap$20.92B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
SoFi Technologies IncSoFi Technologies Inc32-6%4.10.3

Earnings Call Q2 2026

July 29, 2026 - AI Summary

Exceptional quarter with strong growth + margins - Q2 2026 adjusted net revenue: $1.2B (+40% YoY) and adjusted EBITDA: $358M (+44% YoY). - Adjusted EBITDA margin: 30% (management highlighted ~31% incremental EBITDA margin), adjusted net income: $160M (13% margin); EPS $0.12 (includes ~$0.05 headwind from a higher-than-expected tax rate). - Cash revenue: $1.2B for the third straight quarter (and $790M net interest income + ~$420M other fee/plat/origination economics).
“Everything app” flywheel accelerating: members, products, cross-buy - Members: 15.8M (+35% YoY) with a record 1.1M new members in the quarter (adding ~the old total every ~7–8 weeks). - Products: 24.4M (+42% YoY) with a record 2.2M new products, and a notable milestone: added twice as many products as members. - Cross-buy surged: 51% of new products opened by existing SoFi members (up from 43% last quarter and 35% in Q2’25, +16pp YoY), plus products-per-member inflection over last 2 quarters.
SoFi Plus & SoFi Coach: key product bets driving monetization - SoFi Plus relaunched in Q2 with enhanced benefits + transitioned to paid subscription model: - After one quarter, 200k+ paid subscribers; annualized revenue > $24M; 85% of Plus users are existing SoFi members. - Management aspiration: 1M SoFi Plus members generating ~$120M annual revenue “a year from now” (stated goal). - SoFi Coach launched in June: - Powered by SoFi Relay-connected data (stated: 12,000 institutions, 6.5B transactions, ~$0.75T balances, >$0.25T in member assets). - Already ~0.5M conversations with >90% positive feedback; >half focus on investing. - Opportunity cited: potentially helps ~65% of Americans over 18 who don’t invest in stocks/ETFs/robo.

Exclusive for Stockcircle Pro members

Sign upSign Up
$20.43

Target Price by Analysts

25.3% upsideSoFi Technologies Target Price DetailsTarget Price

Share Statistics

Market cap$20.92 Billion
Enterprise Value$21.20 Billion
Dividend Yield$- (-)
Earnings per Share$0.42
Beta2.15
Outstanding Shares1,284,303,000

Return

Return on Equity5.74%ROE
Return on Assets1.04%
Return on Invested Capital1.41%

Valuation & Multiples

P/E Ratio31.98P/E Ratio
PEG52.43PEG
Price to Sales4.08Price to Sales
Price to Book Ratio2.04Price to Book Ratio
Enterprise Value to Revenue4.1
Enterprise Value to EBIT24.68
Enterprise Value to Net Income33
Total Debt to Enterprise0.16
Debt to Equity0.31Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 29, 2026
EPS Estimate
$0.11
Average shareholder expectation
Revenue Estimate
$1.11 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 Ratio0.9993 19.49%
Total Calls1,252,069 99.28%
Total Puts1,251,169 99.10%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %1.37% 59.92%
Total Invested$314.11M 97.19%
Investors Holding247 776.00%

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.