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.

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When the market gets too long or too short in any given set of stocks or asset classes, investors must eventually watch out for the changing tides. Just like anything that is priced openly to the public, stocks that run out of buyers will need to see lower prices to attract new business, just like stocks that run out of sellers need to see higher prices instead.

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Five fintech stocks that have seen double-digit EPS growth projection for next year. These are: PYPL, AFRM, FIS, LC, SOFI.

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Investing in dividend stocks allows you to earn dividend income, the best passive income stream. In August, we (my wife and I) received a dividend income total of $1,415.47. 2023 was up 24%. Eight months down in 2024 and the S&P 500 is still up 14%, despite the recent sell-offs. Unemployment is starting to tick up recently.

Dividend Income Summary: Lanny's August 2024 Summary

SALT LAKE CITY--(BUSINESS WIRE)-- #Fintech--Galileo Financial Technologies, a leading financial technology company and a subsidiary of SoFi Technologies, Inc. (NASDAQ: SOFI), is delivering fintechs, banks and businesses new ways to fight fraud with the launch of Galileo Instant Verification Engine (GIVE) and Transaction Risk GScore. As digital transactions surge and cyber threats evolve, these tools offer fintechs, financial institutions and businesses advanced real-time fraud detection and risk managemen.

Galileo Launches Instant Account Verification and Machine Learning Risk Score to Secure Financial Transactions Amid Escalating Cyber Threats

SoFi Technologies, Inc. (NASDAQ:SOFI ) Goldman Sachs Communacopia & Technology Conference 2024 September 9, 2024 2:30 PM ET Company Participants Anthony Noto - CEO Conference Call Participants Michael Ng - Goldman Sachs Group Michael Ng Great. Well, thank you, everybody, for joining.

SoFi Technologies, Inc. (SOFI) Goldman Sachs Communacopia & Technology Conference 2024 (Transcript)

Given the fall in the SOFI stock, we evaluate its current position to determine whether it presents a good investment opportunity at this time.

SoFi Technologies Slips 30% YTD: Is the Stock Worth Buying?

Because of its user-friendly app, SoFi has grown its user base rapidly. Management expects earnings to soar in the years ahead.

SoFi: Buy, Sell, or Hold?

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SoFi Technologies Inc SOFI shares are trading flat Thursday at $7.53 and higher by some 15% over the trailing month amid anticipation of key economic data.

SoFi Technologies Stock Is Up 15% Over The Past Month: What's Going On?

SoFi's student loan business got some great news.

Why SoFi Stock Is on Fire

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SoFi Technologies' stock is rated a "Strong Buy" due to its exceptional growth, solid bottom-line performance, and substantial undervaluation. Recent quarterly earnings surpassed expectations, with revenue growing 22.1% YoY and adjusted EPS improving from -$0.06 to $0.01. SOFI's cross-selling potential and innovation in financial services are key drivers for sustainable shareholder value and long-term growth.

SoFi Technologies: Expanding Cross-Selling Potential As Growth Catalyst

SOFI has generated robust dual growth as an online bank and fintech, as observed in the double beat FQ2'24 performance and raised FY2024 guidance. Much of the tailwinds are attributed to the management's growing Financial Services/ Technology Platform segments, with it "on track to finish 2024 with a revenue mix near 50:50." These developments highlight SOFI's ability to generate growth as a well-diversified fintech platform, with the growing cross selling resulting in the much improved productivity loop.

SoFi: Breakout Imminent, Its Reversal Is Near

Investors might be overlooking SoFi Technologies Inc. (NASDAQ: SOFI) by evaluating it alongside traditional banks rather than recognizing its potential as a high-growth fintech company, according to an investor known as “On the Pulse.

Investors may be undervaluing SoFi stock: Here's why it could climb 70%

SoFi Stock investors are encouraged by the company's growth in non-lending revenue.

SoFi Stock Analysis: An Inside Look at Critical Company Information

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Three must-have technology solutions stocks with strong upside left are: DUOL, CART, SOFI.

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Fintech stocks have struggled of late , with nCino's (NCNO) dismal fiscal third-quarter forecast only adding pressure today.

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SoFi reported phenomenal results for the second quarter. It's feeling pressure in the lending segment, which accounts for most of its profit.

The Market Just Made a Big Mistake About SoFi. Here's Why

SoFi Technologies has seen explosive growth in revenue and member count, with strong performance in financial services products and lending operations. The company's net income, operating cash flow, and EBITDA have all improved, with management raising guidance as a result. Concerns over potential interest rate cuts may impact the company's net interest income, but SoFi Technologies remains optimistic about future growth and value creation for shareholders.

SoFi Technologies: A Bullish Picture With A Cautious Outlook

SoFi stock investors can rest easier after an optimistic performance update from management.

Great News for SoFi Stock Investors

SoFi Technologies' (SOFI) significant member growth, rising EBITDA, notable lending performance and strong valuation make it ideal for your portfolio.

SoFi Technologies (SOFI) Gains 9% in 3 Months: Is It Worth Buying?

SOFI shows resilience with a 9% return, driven by strong loan demand and a slightly bullish technical outlook despite macroeconomic concerns. SoFi's diversified platform, improved loan performance, and tight credit risk management underpin long-term growth, though caution is advised due to historical seasonality trends in August. Strong Q2 2024 financials, product innovation, and 58% AUM growth highlight SoFi's operational efficiency and potential for continued expansion.

Why SoFi's Q3 Could Be A Turning Point

SoFi Technologies is gaining market share in the financial services industry by offering attractive solutions to consumer needs.

What's Going on With SoFi Stock?

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When stocks accumulate a significant short interest, it typically creates the risk of a short squeeze. When investors sell a stock short, they have to borrow and sell it to profit from their bearish views.

News for SoFi Technologies Stock (SOFI)