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.

SoFi reported an excellent set of numbers for Q3, with revenues and EPS both topping street expectations. In this note, we will discuss SoFi's Q3 earnings report. Furthermore, I provide my fair value estimate and expected return (5-yr CAGR) for SoFi using TQI's Valuation Model.

SoFi Q3: Another Great Quarter In The Books, Buy Now For 2023 And Beyond

The stock price of SoFi (SOFI) increased 5.33% in the most recent trading session. This is why.

SoFi (SOFI) Stock Increased 5.33%: Details

SoFi Technologies Inc (NASDAQ:SOFI) is soaring today, up 14% to trade at $6.20 at last check, after the fintech company reported smaller-than-expected losses and a revenue beat for the third quarter.

Options Bulls Blast Surging SoFi Technologies Stock After Earnings

SoFi (NASDAQ: SOFI ) stock is up by over 5% after the company reported its third-quarter earnings. Adjusted revenue tallied in at $419 million, up 51% year-over-year (YOY), while earnings per share was a loss of nine cents.

5 Big Investors Betting Against SOFI Stock

Shares of online lender SoFi Technologies climbed more than 14% Tuesday following a better-than-expected Q3 report. SoFi also boosted full-year guidance.

Online Lender SoFi Jumps 14% On Better-Than-Expected Q3 Results

SoFi Technologies, Inc. (NASDAQ:SOFI ) Q3 2022 Results Conference Call November 1, 2022 8:00 AM ET Company Participants Maura Cyr - IR Anthony Noto - CEO Chris Lapointe - CFO Conference Call Participants Eugene Simuni - MoffettNathanson Mihir Bhatia - Bank of America Merrill Lynch Dan Dolev - Mizuho Moshe Orenbuch - Credit Suisse Michael Perito - Stifel John Hecht - Jefferies Kevin Barker - Piper Sandler Dominick Gabriele - Oppenheimer Ashwin Shirvaikar - Citigroup Michael Ng - Goldman Sachs Jeff Adelson - Morgan Stanley Operator Good morning, and thank you for attending today's SoFi Q3 2022 Earnings Conference Call. All lines will be muted during the presentation portion of the call.

SoFi Technologies, Inc. (SOFI) Q3 2022 Earnings Call Transcript

Varonis Systems

In the moves of one winner and one loser, investors can see what the market wants.

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The financial-technology company says it added 424,000 new members in the third quarter.

SoFi Stock Leaps on Narrower-Than-Expected Loss and Revenue Beat

The one-stop shop for financial services turned in a solid third-quarter earnings report.

Why Shares of SoFi Are Surging This Morning

SoFi Technologies (NASDAQ: SOFI ) stock jumped 15% overnight after beating earnings expectations and raising guidance. In the third quarter, the company lost $74.2 million, or 9 cents per share fully adjusted, on revenue of $424 million.

SOFI Stock Gains After Boosting Full-Year Forecast

A beat across the board and raised guidance are not what most expect in the current market environment.

SoFi Technologies' Earnings Report Blew Everyone's Mind

Shares of SoFi Technologies Inc. were flying higher in premarket trading Tuesday after the financial-technology company posted results that were dubbed “outstanding” by one analyst.

SoFi stock rockets as earnings deemed ‘outstanding'

SoFi Technologies Inc. shares SOFI, -0.18% were surging in premarket action Tuesday after the financial-services company topped expectations with its latest results and boosted its full-year forecast. The company generated a third-quarter comprehensive loss of $75.8 million, or 9 cents a share, compared with $30.0 million, or 5 cents a share, in the year-earlier period.

SoFi stock surges after earnings beat as company lifts forecast

SAN FRANCISCO--(BUSINESS WIRE)--SoFi Technologies, Inc. (NASDAQ: SOFI), a member-centric, one-stop shop for digital financial services that helps members borrow, save, spend, invest and protect their money, reported financial results today for its third quarter ended September 30, 2022.

SoFi Technologies, Inc. Reports Third Quarter 2022 Results

SoFi Technologies (SOFI) third-quarter 2022 revenues are likely to have surged from the respective year-ago quarter???s reported figure.

What's in Store for SoFi Technologies (SOFI) in Q3 Earnings?

SoFi Technologies (NASDAQ: SOFI ) stock got off to a solid start on Monday, although shares have dipped slightly this afternoon. The company is poised to deliver earnings results for the third quarter, with investor optimism brewing.

What to Know as SOFI Stock Rises Ahead of Q3 Earnings

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As we come closer to the end of the year, investors are hoping for a respite from the bear market. With the economy struggling with the highest inflation numbers seen in decades and rising interest rates, 2022 has been a terrible year.

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Are you ready to hold shares of an unloved company through a make-or-break event? If so, then you have an opportunity right now.

The Best Move to Make Now With SOFI Stock

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The analysts who follow these fast-growing businesses think their stock prices could shoot much higher.

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The three major U.S. equity indexes closed mixed on Thursday, with the S&P 500 and the Nasdaq hammered by weak reports from tech megacaps.

Earnings Previews: NXP Semiconductor, Sofi Technologies, Uber

The fintech was up early, but dropped later in the day as the Nasdaq suffered a sharp drop.

Why SoFi Technologies Stock Was Down 2.1% Today

The mean of analysts' price targets for SoFi Technologies, Inc. (SOFI) points to an 118.7% 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.

How Much Upside is Left in SoFi Technologies, Inc. (SOFI)? Wall Street Analysts Think 119%

Suffice it to say that neo-banking firm SoFi  Technologies (NASDAQ: SOFI ) hasn't rewarded its shareholders in 2022 so far. Could a $100 wager on SOFI stock turn into a multi-bagger in the long run, though?

Why Investors Should Bet $100 on SOFI Stock

SoFi (NASDAQ: SOFI ) stock is surging higher today along with the rest of the market. There appears to be no company-specific news to explain this rise.

Why Is SOFI Stock Up 10% Today?

Affirm

Marqeta

Fintech stocks took off as interest rates moderated, and Marqeta announced an exciting new product launch.

News for SoFi Technologies Stock (SOFI)