SoFi Technologies (SOFI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

SoFi Technologies

NasdaqGS•Financial Services•Credit Services

$16.89-0.18(-0.01%)Market open

Market Cap

$21.78B

P/E

34.2x

P/S

5.1x

P/B

2.0x

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

How this company scores

WeakMetricSide Score: 52/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Growth (20/25); weakest: Cash & Earnings Quality (0/25).

Profitability15/25

Growth20/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality0/25

Strengths

Growing revenueStrong marginsLow leverageImproving leverage

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 34.2x5y range 26.5x – 67.6x

Currently near its 8-quarter median.

P/S · 5.1x5y range 2.7x – 25.5x

Currently near its 20-quarter median.

P/B · 2.0x5y range 0.8x – 3.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

Free cash flow has been negative in 8 of the last 8 quarters — earnings are not translating to cash.

Cash Burn

Red Flag

The last 8 consecutive quarters had negative FCF — the company is burning cash and may need external funding.

Price & Volume

Market Cap $21.78B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.31B
Q. Revenue: $1.22B
TTM EBITDA: $1.12B
TTM Op. Income: $737.74M
Q. Op. Income: $204.31M
TTM Net Income: $636.26M
Q. Net Income: $156.59M
EPS: $0.12
Shares Out.: $1.28B

$4.31B in TTM revenue grew 40.8% YoY, reaching $1.22B last quarter. TTM EBITDA of $1.12B and TTM operating income of $737.74M show growth is flowing through to the bottom line. TTM net income of $636.26M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 22.8%
Op. Margin: 16.8%
Net Margin: 12.8%

Op. margin of 16.8% is up 3.6% YoY — cost efficiency is improving. Net margin at 12.8% Over the past year, operating margin is up 28% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 34.2x
P/S Ratio: 5.1x
P/B Ratio: 2.0x

At 34.2x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 5.1x and P/B of 2.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 5% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $60.95B
Cash: $3.13B
Long-Term Debt: $3.30B
Book Value: $11.08B
D/E Ratio: 0.3
Debt/EBITDA: 11.9

With $60.95B in assets and $3.30B in long-term debt, D/E is 0.3and book value is $11.08B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 48% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-3.89B
TTM Free Cash Flow: $-8.79B
FCF Margin: -204.2%
FCF / Net Income: -13.8

TTM FCF of $-8.79B on $-3.89B in operating cash flow. The FCF / Net Income ratio of -13.8x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has fallen for 6 consecutive quarters — a weakening trend.