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

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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.

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Cost of revenue

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Operating expenses

SG&A

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EBITDA

Net income

Earnings per share

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Cash & equivalents

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Net PPE

Intangibles

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Stockholders equity

Minority interest

Total liabilities & equity

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Book value per share

Cash from operations

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Change in working capital

Cash from investing

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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.

SoFi will benefit from a positive ruling by the Supreme Court against the student debt forgiveness plan. The bank sector came under undue pressure this week due to the sudden collapse of SVB.

SoFi: Supreme Court Bump

As SoFi Technologies Inc. shares fell Friday amid the fallout over Silicon Valley Bank's collapse, the financial-technology company's chief executive bought up stock.

SoFi CEO Noto makes ‘opportunistic' million-dollar stock purchase as SVB crisis fuels selloff

We're seeing a nasty ripple effect in the stock market on Friday following a development that began on Thursday. What was originally a single-firm issue has now spread to selling pressure in equities.

SOFI Stock Alert: Why SoFi Is Down 10% Today

The student loan moratorium pauses payments on federal student loans. This cuts into SoFi's student loan refinancing business, which had been its largest before the moratorium.

SoFi Is Suing the Biden Administration to Try to Avoid Tens of Millions in Losses

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SoFi Technologies (NASDAQ: SOFI ) surged in January, because of both market and company-related factors. Since then, however, SOFI stock has pulled back.

SOFI Stock May be in for Yet Another Spike

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SoFi (NASDAQ: SOFI ) rose slightly after it sued to stop the pause on student loan payments enacted by the Biden administration. The halt on payments, and an effort to cancel some loans, may fail entirely as the Supreme Court appears ready to say the administration exceeded its authority.

SOFI Stock Alert: What to Watch as SoFi Sues Over Student Loan Pause

SoFi says the ongoing federal student loan payment moratorium has cost it $400 million. The personal finance company has sued the U.S. Department of Education to end the three-year-old pause on loan repayments, claiming in a recent lawsuit that the moratorium has no legal standing and has severely curtailed SoFi's loan refinancing business.

SoFi Claims $400 Million in Losses From Student Loan Moratorium

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Some 40 million people have had their student-debt payments paused because the government thinks they need the help. But one big financial technology company, which refinances student loans, disapproves of the public policy and wants the payments resumed immediately to help its bottom line.

SoFi sues over student-loan pause to force borrowers to resume making payments

It's baffling that app-based bank SoFi Technologies (NASDAQ: SOFI ) isn't heavily favored on Wall Street. The company is poised to transform the personal finance market as we know it.

SOFI Stock Looks Ready to Pop

SoFi Technologies, Inc. (NASDAQ:SOFI ) KBW Fintech Payments Conference February 28, 2023 11:00 AM ET Company Participants Chris Lapointe - CFO Conference Call Participants Michael Perito - Keefe, Bruyette & Woods, Inc. Michael Perito Thank you. We're going to get started with our next session.

SoFi Technologies, Inc. (SOFI) Presents at KBW Fintech Payments Conference (Transcript)

Based on the average brokerage recommendation (ABR), SoFi Technologies, Inc. (SOFI) should be added to one's portfolio. Wall Street analysts' overly optimistic recommendations cast doubt on the effectiveness of this highly sought-after metric.

Wall Street Bulls Look Optimistic About SoFi Technologies, Inc. (SOFI): Should You Buy?

SoFi (NASDAQ: SOFI ) stock is in focus after a report was released saying Chief Justice John Roberts and other conservative justices of the Supreme Court raised questions surrounding President Joe Biden's plans to forgive billions of dollars in federal student debt. Back in August, Biden proposed a plan to forgive $10,000 of student debt for borrowers who earn less than $125,000 a year.

How High Can the Supreme Court Take SOFI Stock?

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SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (“SoFi”), the digital personal finance company, is celebrating the one year anniversary of launching SoFi Checking and Savings1. SoFi Checking and Savings entered the market with zero account fees and a highly competitive APY (Annual Percentage Yield) on both checking and savings balances.

A Year of Better Banking: SoFi Checking and Savings Turns One

SoFi uses adjusted EBITDA as a profitability metric, a value that Charlie Munger describes as "bulls**t earnings". The methodology for computing cash flow is laid out, highlighting why SoFi uses adjusted EBITDA.

Providing Context To SoFi's 'BS Earnings'

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Investors weren't enamored with app-based bank SoFi Technologies (NASDAQ: SOFI ) in 2022, but 2023 offers an opportunity for SOFI stock to bounce back. Indeed, if one analyst is right about his forecast, SoFi Technologies' loyal shareholders could enjoy substantial returns over the next 12 months.

Why SOFI Stock Is on the Cusp of a Comeback

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Much as I anticipated, SoFi Technologies' (NASDAQ: SOFI ) post-earnings rally was short-lived. Since hitting prices briefly topping $8 per share in the days following its latest earnings release on Jan. 30, SOFI stock has since fallen back to around $6.50 per share.

Here's Why SOFI Stock Might be a Screaming Buy

The mean of analysts' price targets for SoFi Technologies, Inc. (SOFI) points to a 25.7% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

News for SoFi Technologies Stock (SOFI)