Members

Revenue segments as reported by the company.

Lending

Technology Platform

Financial Services

Other

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Technology and product development

Sales and marketing

Cost of operations

General and administrative

Provision for credit losses

Goodwill impairment

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

SoFi Technologies

SoFi Technologies, Inc. operates as a financial technology company. The Company offers financial services platform for borrowing, saving, spending, and investing. SoFi Technologies serves customers in the United States.

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

SoFi reports record Q4 earnings, poised for continued growth

SoFi's exceptional performance in 2022, strong balance sheet, and strategic growth initiatives position the company for continued success.
While facing challenges such as market uncertainties and operational transitions, SoFi's focus on quality, growth, and innovation drives opportunities for expansion.
With a positive outlook for 2023, SoFi's emphasis on financial milestones, client relationships, and product diversification sets a solid foundation for future growth.
The company's achievements over the past five years reflect a commitment to excellence and innovation, reinforcing its position in the digital financial services sector.

SoFi Technologies excels in Q1, eyes growth in student loans

SoFi Technologies reported a stellar Q1 performance with record revenue and positive GAAP net income, driven by strong growth in key segments.
While facing challenges in managing loan margins and loss expectations, SoFi is well-positioned to capitalize on opportunities in product expansion and the student loan market.
Overall, SoFi's performance reflects operational excellence, financial strength, and a strategic focus on enhancing member experience and financial outcomes.

SoFi reports record Q2 earnings, eyes sustained growth opportunities

SoFi's Q2 performance reflects strong financial metrics, member growth, and revenue diversification, underlining a resilient business model.
While facing challenges in market dynamics and regulatory changes, SoFi's strategic focus on growth areas and operational efficiency presents opportunities for sustained success.
The earnings call highlighted SoFi's commitment to innovation, customer-centric strategies, and team-driven success, positioning the company for continued growth and market leadership.

SoFi reports record Q3 revenue and member growth, eyes profitability

SoFi's Q3 performance showcased strong revenue growth, improved margins across all segments, and significant member and product expansion. The company is focused on driving profitability, sustaining growth momentum, and capitalizing on opportunities in the financial services sector.

SoFi Technologies reports robust 2023 performance and eyes growth opportunities

SoFi Technologies delivered a strong performance in 2023, achieving profitability, robust member growth, and revenue diversification across its segments.
While facing challenges such as potential increased losses and marketing spend limitations, the company is well-positioned to capitalize on opportunities in loan demand and revenue growth.
By focusing on credit underwriting adjustments, margin expansion, and monitoring economic conditions, SoFi aims to maintain its competitive edge and drive long-term profitability.
Overall, SoFi's strategic investments in the Tech Platform and commitment to financial strength underscore its resilience and growth potential in the digital financial services landscape.

SoFi Technologies excels in Q1 2024, eyes growth opportunities

SoFi Technologies reported robust financial performance in Q1 2024, driven by strong revenue growth, member expansion, and positive contributions from various business segments. While facing challenges in the Lending segment, the company is well-positioned to capitalize on opportunities in deposit growth, brand awareness, and Credit Card business.

SoFi Technologies reports stellar Q2 results, eyes diversification for growth

SoFi Technologies had a standout Q2, demonstrating robust financial performance, strong member growth, and revenue records in key segments. While facing potential challenges in loan loss assumptions, the company is optimistic about its future prospects and growth opportunities.

SoFi reports record Q3 revenue, eyes growth in key sectors

SoFi Technologies demonstrated exceptional performance in Q3 2024, achieving record revenue and profitability milestones while focusing on innovation and customer acquisition.
The company's strengths lie in its robust revenue growth, expanding customer base, and strategic initiatives to drive sustained growth across key business segments.
Challenges include maintaining growth momentum, optimizing key business areas, and navigating external factors that could impact performance and profitability.
Amidst challenges, SoFi has ample opportunities to capitalize on key growth areas, drive innovation, and solidify its position in the competitive financial services landscape.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

SoFi Technologies, Inc. is a financial service platform, which engages in the provision of student loan refinancing options to the private student loan market. It offers home loans, personal loans, and credit cards. It operates through the following segments: Lending, Technology Platform, and Financial Services. The Lending segment includes personal loan, student loan, home loan products, and related servicing activities. The Technology Platform segment focuses on technology products and solutions revenue. The Financial Services segment includes the SoFi Money product, SoFi Invest product, SoFi Credit Card product, SoFi Relay personal finance management product, and other financial services such as lead generation and content for other financial services institutions. The company was founded in 2011 and is headquartered in San Francisco, CA.

Carnival

Federal student loan borrowers are about to have to start making loan payments and accrue interest again. Estimates are this will cost between $5 billion and $10 billion every month in what had been discretionary spending power.

Are You Prepared for This $10 Billion-a-Month Hit to the Economy? 1 Stock to Buy and 1 to Avoid.

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Why Charles Schwab became a financial 'supermarket'

SoFi has rallied after the debt ceiling bill ended the student loan moratorium. Analysts now think good news has been priced in and that other risks still remain.

Why Shares of SoFi Cooled Off Today

SOFI has recently rallied due to the optimism surrounding student loan repayments, but there are growing concerns about its delinquency and credit losses. By FQ1'23, the fintech has recorded $8.25M of loans >90 days delinquent and an allowance for credit losses of $38.93M at a ratio of 10.75%. It remains to be seen when the Fed may pivot, with the May 2023 CPI remaining elevated at 5.3%, potentially impacting the repayment cadence.

SoFi: Student Loan Refinancing May Accelerate Delinquencies

SoFi (NASDAQ: SOFI ) is well in the red today after a number of analysts issued lower ratings on the fintech company. Indeed, SOFI stock is down 7% heading into the afternoon following some scathing remarks from Bank of America and Piper Sandler analysts.

2 More Analysts Just Knocked Down SOFI Stock

The financial services company landed two downgrades on Friday.

SoFi Gets More Downgrades. Blame Valuation.

SoFi Technologies Inc.'s stock has catapulted this year, while shares of fellow lending names — and the S&P 500 — have seen more muted gains. The dynamic has a pair of analysts urging caution.

SoFi may be a ‘long-term winner,' but its stock catches more downgrades after huge run higher

Upstart Holdings

Government data pointing to cooling inflation helped buoy FinTech IPO names this past week. Retail sales data Thursday (June 15) showed that consumer spending remains resilient, which helped give the rally some tailwind.

FinTech IPO Names Surge 3.8% With SoFi and Upstart Leading the Charge

Opendoor

SoFi and Opendoor have had serious momentum this past week. In both cases, conditions are becoming more favorable for future growth and profitability.

Why Have SoFi and Opendoor Soared This Week?

Shares of financial-services firm SoFi have more than doubled so far this year. Oppenheimer analyst Dominick Gabriele downgraded shares to Perform from Outperform.

SoFi Stock Has Doubled. Wait for a Better Entry Point, Analyst Says.

SoFi Technologies (NASDAQ: SOFI ) stock is taking a beating on Thursday after the company was downgraded by analysts at Oppenheimer. Analyst Dominick Gabriele is behind today's news as he drops shares of SOFI stock from an “outperform” rating to a “perform” rating.

SOFI Stock Alert: Oppenheimer Just Downgraded SoFi

The shares of SoFi Technologies Inc (NASDAQ:SOFI) are down 4.6% at $9.29 before the opening bell, following a downgrade from Oppenheimer.

Analyst: Sofi Technologies Stock Due for Short-Term Breather

SoFi Technologies Inc.'s shares were on track to snap a record nine-session winning streak Thursday after an analyst abandoned his bullish call on the financial-technology name.

SoFi's stock set to snap record winning streak after downgrade

SoFi Technologies (NASDAQ: SOFI ) shares have rebounded strongly after a prolonged decline, climbing back to high single-digit levels. All thanks to the recent resolution of the U.S. debt ceiling issue.

Why SOFI Stock's Parabolic Surge Could Continue

SoFi stock has performed very well this year, rallying 87% since my last article in November. Strong financial performance and a definitive end to the pause on student loan payments indicate that the rally is justified. A higher valuation, a potential short squeeze, and the pause of loan sales are new risks to keep an eye on.

SoFi: Up 112% In 2023, But There's Still More Long-Term Alpha Potential

One BTIG analyst just raised their SoFi (NASDAQ: SOFI ) stock target, marking the highest price target level for SoFi on Wall Street. Indeed, BTIG analyst Lance Jessurun initiated coverage of SOFI stock, offering a “buy” rating and setting a $14 target.

SOFI Stock Alert: BTIG Just Set a New Street-High Price Target

Nu Holdings

Block

The financial technology (fintech) industry continues to reshape the landscape of traditional banking and payment systems. Investors are eagerly exploring the fastest horses in this rapidly-evolving race for innovation.

3 Fintech Stocks With High Potential for Growth

Shares of the fintech have gained more than 100% this year. BTIG says the stock has more room to run.

SoFi Stock Charges Ahead. Why These Analysts Call It a 'Top Pick.

SoFi Technologies Inc. shares have more than doubled this year, but they're still cheap in the eyes of BTIG analyst Lance Jessurun.

Why SoFi's stock is this analyst's top pick in fintech

SoFi Technologies, Inc. (SOFI) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

SoFi Technologies, Inc. (SOFI) Stock Jumps 12.0%: Will It Continue to Soar?

SoFi (NASDAQ: SOFI ) stock has been on many investors' radars, with the moratorium on student loan payments slated to be terminated at the end of August. As a provider of many student loads, SoFi's financial results will likely be significantly boosted by the resumption of payments.

SOFI Stock Alert: Truist Sets Street-High Price Target on SoFi

SoFi got a hefty price target raise from a Wall Street analyst. In the wake of the debt ceiling deal and solid jobs numbers, concerns over the economy appear to be fading.

Why SoFi Technologies Stock Rocketed Higher Today

SoFi Technologies, Inc. (NASDAQ:SOFI ) Morgan Stanley US Financials, Payments and CRE Conference Call June 12, 2023 1:45 PM ET Company Participants Chris Lapointe - Chief Financial Officer Conference Call Participants Jeff Adelson - Morgan Stanley Jeff Adelson Before we get started, I just have to read some disclosures. For important disclosures, please see the Morgan Stanley Research Disclosure website at www.

SoFi Technologies, Inc. (SOFI) Morgan Stanley US Financials, Payments and CRE Conference (Transcript)

On paper, the bullish narrative for financial technology (fintech) specialist SoFi Technologies (NASDAQ: SOFI ) couldn't be clearer. Following the devastation of the Covid-19 pandemic, government mandates designed to mitigate the crisis impacted the personal finance company due to a pause on federal student loan payments.

Dear SOFI Stock Fans, Mark Your Calendars for June 30

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