SoFi Technologies, Inc. (SOFI) Stock: Price, Forecast & Analyst Target
SoFi Technologies, Inc. (SOFI) — MoonshotScore 24/100 (Weak band), calculated Oct 5, 2026. Price $15.77 (-0.44%), as of the Oct 2, 2026 trading session; market cap $20.2B. Expected results Oct 27, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 2.75× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 27, 2026
SoFi Technologies, Inc. · SOFI · NASDAQ · Financial Services · Financial - Credit Services
Research dated 2026-09-12: SoFi combines consumer lending and member financial services with financial infrastructure sold through Galileo, Apex and Technisys. The case rests on whether rising revenue and operating profit can outweigh volatile cash movement and the balance-sheet exposure that comes with lending.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · SoFi Technologies (SOFI)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Weak quality, a fragile balance sheet and an expensive valuation, though growth is only middling, and the price trend has turned against it. Business Quality: Thin; Financial Safety: Fragile; Valuation: Bubble; Growth Durability: Flat; Momentum: Falling.
Free cash flow yield is the main valuation drag relative to sector peers.
- quarterly revenue $1.57B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z -0.40 · Piotroski F 5
Holding back: weak fundamentals, balance-sheet strain, a rich price, weak price trend
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 24 | Weak | |
| 25 | Weak | |
| 24 | Weak | |
| 24 | Weak | |
| 25 | Weak | |
| 25 | Weak |
The score moved from 25 in the stored Oct 4, 2026 snapshot to 24 in the current publication computed Oct 5, 2026 (-1); the largest pillar moves were Growth Durability -20 and Momentum -1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $15.77 |
| Change on the day | -0.44% |
| 52-week range | $14.88–$32.73 |
| Market capitalisation | $20.2B |
| Price / earnings (trailing) | 30.92 |
| Shares traded on the day | 49.55M |
| Beta (volatility vs the S&P 500) | 2.21 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for SoFi Technologies (SOFI): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 3, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the SOFI film — every key number, told as a short cinematic story
~2 min · open the film
What is SoFi Technologies (SOFI), and what does it report?
Short answer · as of
SoFi serves consumers who borrow, save, spend and invest, while also supplying payment, custody, clearing and core-banking technology to financial and non-financial institutions.
Research dated 2026-09-12.
SoFi serves consumers who borrow, save, spend and invest, while also supplying payment, custody, clearing and core-banking technology to financial and non-financial institutions. It is therefore neither a pure online lender nor a pure software vendor: customer financial activity drives its consumer businesses, while institutional platform usage supports a separate revenue stream.
Reported revenue spans Lending, Financial Services and Technology Platform. Lending remains the largest segment, Financial Services has become another substantial contributor, and Technology Platform gives SoFi exposure to customers operating outside its own consumer ecosystem.
What do the latest results show for SoFi Technologies (SOFI)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.57B.
Research dated 2026-09-12.
Revenue, gross profit and operating profit have advanced across the recent quarterly series. Net income remained positive but eased in the latest period, while diluted earnings held level, suggesting that operating expansion did not translate into an equivalent sequential gain at the bottom line.
The business mix supplies several routes to growth: borrowing activity feeds Lending, member use of SoFi’s money products feeds Financial Services, and client activity on Galileo, Apex and Technisys feeds Technology Platform. Reported revenue and earnings have also exceeded prevailing estimates throughout the earnings history shown, raising the execution benchmark for the scheduled release.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.57B Jun 30, 2026
- Latest quarter · R&D
- $191.28M Jun 30, 2026
- Latest quarter · SG&A
- $609.20M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $204.31M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.57B | $191.28M | $609.20M | $204.31M |
| Mar 31, 2026 | $1.41B | $187.68M | $533.12M | $199.55M |
| Dec 31, 2025 | $1.34B | Not available | $499.86M | $185.33M |
| Sep 30, 2025 | $1.27B | Not available | $475.28M | $148.55M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.21B Jul 29, 2026
- Latest report · revenue estimate
- $1.11B Jul 29, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 29, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 29, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 29, 2026 | $1.21B | $1.11B | $0.1200 | $0.1100 |
| Apr 29, 2026 | $1.09B | $1.05B | $0.1200 | $0.1190 |
| Jan 30, 2026 | $1.01B | $977.42M | $0.1300 | $0.1153 |
| Oct 28, 2025 | $961.60M | $888.91M | $0.1100 | $0.0833 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.57B | $157M | $0.12 (diluted) |
| Q1 FY2026 | $1.41B | $167M | $0.12 (diluted) |
| Q4 FY2025 | $1.34B | $174M | $0.13 (diluted) |
| Q3 FY2025 | $1.27B | $139M | $0.11 (diluted) |
What are the financial strengths and risks for SoFi Technologies (SOFI)?
Short answer
Cash and short-term investments were $7.35B at the Jun 30, 2026 balance-sheet date. Operating cash flow was −$3.89B for the quarter ended Jun 30, 2026, meaning operations used cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
SoFi has sustained positive net income and expanding operating profit, while cash and short-term investments exceed reported debt. The broader cash-and-investment total is much larger, although most of it sits in long-term investments whose classification is unspecified.
Operating cash flow is the sharper warning. It has swung between positive and deeply negative periods, and trailing free-cash-flow yield remains negative despite accounting profitability. Lending also creates a direct sensitivity to borrower performance, while the large liability base means balance-sheet composition matters more than the headline cash total alone.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of -0.40 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 30.92 runs well above the Financial Services sector’s ~17.20x, leaving little room for a miss.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- −$3.89B Jun 30, 2026
- Previous quarter · operating cash flow
- $119.10M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | −$3.89B | −$95.35M |
| Mar 31, 2026 | $119.10M | −$68.78M |
| Dec 31, 2025 | −$991.18M | −$67.72M |
| Sep 30, 2025 | $72.94M | −$63.16M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at SoFi Technologies (SOFI)?
Short answer · as of
The next earnings report is expected on Oct 27, 2026.
Research dated 2026-09-12.
The scheduled earnings release provides a clean test of whether revenue can continue outrunning expectations while operating profit advances and net income stabilizes. Diluted earnings deserve attention alongside revenue because the latest sequential pattern was steadier at the per-share level than at the net-income line.
Cash conversion is equally important: another large operating outflow would reinforce the gap between reported profit and cash movement. Segment mix also bears watching, especially whether Financial Services continues to stand beside Lending as a substantial contributor and whether Technology Platform becomes more consequential.
How does SoFi Technologies compare with its peers?
Short answer
SoFi Technologies's score ranks 6th of 6 in the bounded comparison shown, against 5 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Against online lenders, SoFi has a broader member relationship spanning borrowing, saving, spending and investing, plus financial infrastructure sold to outside institutions. Against banking-software vendors, it carries lending exposure and a large financial balance sheet. That combination blends credit economics, consumer engagement and platform demand inside the same company rather than relying on a pure lending or software model.
| Company | Price | Market value | Score |
|---|---|---|---|
| $3.65 Oct 2, 2026 | $38.6B | 95 5-pillar Oct 5, 2026 | |
| $78.57 Oct 2, 2026 | $43.5B | 75 5-pillar Oct 5, 2026 | |
| $117.55 Oct 2, 2026 | $38.6B | 57 5-pillar Oct 5, 2026 | |
| $190.31 Oct 2, 2026 | $300B | 37 5-pillar Oct 5, 2026 | |
| $175.96 Oct 2, 2026 | $48.7B | 36 5-pillar Oct 5, 2026 | |
| SoFi Technologies (SOFI) — this page | $15.77 | $20.2B | 24 |
| $71.77 Date unavailable | $23.4B | — Model unavailable | |
| $17.80 Date unavailable | $13.8B | — Model unavailable | |
| $15.26 Date unavailable | $13.5B | — Model unavailable | |
| $77.10 Date unavailable | $31.6B | — Model unavailable | |
| $37.91 Date unavailable | $11.5B | — Model unavailable | |
| $37.12 Date unavailable | $41.2B | — Model unavailable | |
| $210.36 Date unavailable | $9.12B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $16.00 – $29.00
- Consensus target
- $21.58
- Median target
- $21.50
Consensus record · Captured .
Measured against a quoted price of $15.77 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 21, 2026
- Transactions
- 100
- Identified insiders
- 16
- Purchases
- 0
- Sales
- 6
- Other transactions
- 94
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 51.5% Period end Jun 30, 2026
- Previous quarter · ownership
- 55.3% Prior to period end Jun 30, 2026
- Reporting holders
- 1,028 Period end Jun 30, 2026
- Previous quarter · holders
- 1,031 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 72,444,208 |
| Vanguard Capital Management LLC | 57,928,852 |
| Vanguard Portfolio Management LLC | 50,740,132 |
| Susquehanna International Group, Llp | 48,979,400 |
| Jane Street Group, LLC | 35,518,300 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about SoFi Technologies (SOFI)?
SoFi Technologies Financial Services Stock: Key Questions Answered
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How do Galileo, Apex and Technisys fit into SoFi?
They form the Technology Platform offering: Galileo supports financial and non-financial institutions, Apex provides investment custody and clearing infrastructure, and Technisys supplies cloud-native core banking technology. This business gives SoFi institutional platform exposure beyond its consumer products.
Is SoFi still mainly a lender?
Lending remains the largest reported segment, but Financial Services is also substantial and Technology Platform adds a distinct institutional business. Treating SoFi as only a lender misses a meaningful portion of what it sells.
Why can SoFi show profit while operating cash flow is negative?
The recent series shows positive net income alongside highly variable operating cash flow, including severe outflows. For a lender with a large balance sheet, cash movement can diverge sharply from accounting earnings, so profitability and cash conversion need to be read together.
What matters most in SoFi’s scheduled earnings release?
Watch whether revenue maintains its record of exceeding prevailing estimates, whether operating profit keeps rising, and whether net income resumes sequential progress. Operating cash flow will indicate whether the accounting gains are being accompanied by more stable cash movement.
What is the SOFI stock price today?
The last price recorded on this page for SoFi Technologies, Inc. (SOFI) is $15.77, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the SOFI price target?
The analyst consensus price target for SoFi Technologies, Inc. (SOFI) is $21.58 (range $16.00 to $29.00, median $21.50), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (81 figures)
The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | SAN Francisco, CA | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "234 1st Street, San Francisco, CA, 94105, US". |
FMP — 72 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 27, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $15.77 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:35.379Z. | |
px.change | Change on the day | -0.44% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $20.2B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T20:54:34.452Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.07 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.57B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $14.88–$32.73 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 30.92 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 49.55M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 2.21 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Anthony J. Noto | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 6,100 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.09B, net result −$483.94M; FY2022 revenue $1.76B, net result −$320.41M; FY2023 revenue $2.90B, net result −$300.74M; FY2024 revenue $3.70B, net result $498.67M; FY2025 revenue $4.77B, net result $481.32M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Lending Segment $1.85B · Financial Services Segment $1.54B · Technology Platform Segment $450.21M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 76.5% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.57B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.rd_k | R&D — period end 2026-06-30 | $191.28M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $609.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $204.31M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.41B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.rd_k | R&D — period end 2026-03-31 | $187.68M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $533.12M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $199.55M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.34B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $499.86M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $185.33M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.27B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $475.28M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $148.55M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-29.revenue_actual | Revenue · reported — report date 2026-07-29 | $1.21B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.revenue_estimated | Revenue · estimate — report date 2026-07-29 | $1.11B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.eps_actual | EPS · reported — report date 2026-07-29 | $0.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-29.eps_estimated | EPS · estimate — report date 2026-07-29 | $0.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_actual | Revenue · reported — report date 2026-04-29 | $1.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_estimated | Revenue · estimate — report date 2026-04-29 | $1.05B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_actual | EPS · reported — report date 2026-04-29 | $0.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_estimated | EPS · estimate — report date 2026-04-29 | $0.1190 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.revenue_actual | Revenue · reported — report date 2026-01-30 | $1.01B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.revenue_estimated | Revenue · estimate — report date 2026-01-30 | $977.42M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.eps_actual | EPS · reported — report date 2026-01-30 | $0.1300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-30.eps_estimated | EPS · estimate — report date 2026-01-30 | $0.1153 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_actual | Revenue · reported — report date 2025-10-28 | $961.60M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_estimated | Revenue · estimate — report date 2025-10-28 | $888.91M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_actual | EPS · reported — report date 2025-10-28 | $0.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_estimated | EPS · estimate — report date 2025-10-28 | $0.0833 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $7.35B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | −$3.89B | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $33.91B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $3.41B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.83× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | −$3.89B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $119.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$95.35M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$68.78M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | −$991.18M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$67.72M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $72.94M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$63.16M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $16.00 – $29.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $21.58 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $21.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 100 transactions · 0 purchases, 6 sales, 94 other transactions · 16 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 21, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 51.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 55.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1,028 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,031 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 72,444,208 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 57,928,852 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 50,740,132 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Susquehanna International Group, Llp — shares in provider snapshot | 48,979,400 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Jane Street Group, LLC — shares in provider snapshot | 35,518,300 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-01 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z -0.40 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 2.75× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $7.35B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-07-29.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.21B) with the recorded estimate ($1.11B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-29.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.1200) with the recorded estimate ($0.1100) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 3 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 24 of 100 · Weak · pillars 34 / 3 / 4 / 46 / 5 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.valuation_driver | Recorded valuation score driver | Free cash flow yield is the main valuation drag relative to sector peers. | OURS | Stock Expert AI MoonshotScore v2 engine · stored factor contributions | |
ours.moonshot_change | MoonshotScore movement | 25 (stored snapshot Oct 4, 2026) → 24 (current publication computed Oct 5, 2026) (-1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.rd_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.rd_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-29. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-29.revenue_actual,earn.history.depth.2026-07-29.revenue_estimated,earn.history.depth.2026-07-29.revenue_actual.comparison,earn.history.depth.2026-07-29.eps_actual.comparison,earn.history.depth.2026-07-29.eps_actual,earn.history.depth.2026-07-29.eps_estimated,earn.history.depth.2026-04-29.revenue_actual,earn.history.depth.2026-04-29.revenue_estimated,earn.history.depth.2026-04-29.eps_actual,earn.history.depth.2026-04-29.eps_estimated,earn.history.depth.2026-01-30.revenue_actual,earn.history.depth.2026-01-30.revenue_estimated,earn.history.depth.2026-01-30.eps_actual,earn.history.depth.2026-01-30.eps_estimated,earn.history.depth.2025-10-28.revenue_actual,earn.history.depth.2025-10-28.revenue_estimated,earn.history.depth.2025-10-28.eps_actual,earn.history.depth.2025-10-28.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Lending Segment: $1.85B; Financial Services Segment: $1.54B; Technology Platform Segment: $450.21M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $3.41B; Liquidity basis: cash and short-term investments; Total liabilities: $49.87B; Cash and short-term investments: $7.35B; Cash and investments: $41.26B; Long-term investments: $33.91B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6199 — Finance Services. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-29 | FMP | Financial Modeling Prep (FMP) earnings |
| Next earnings report | Date: 2026-10-27; EPS estimate: $0.17 per share; Revenue estimate: $1.25B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $41.26B; Cash and short-term investments: $7.35B; Long-term investments: $33.91B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 0.16; Current ratio: 0.16; Debt to equity: 0.31; Net margin: 11.4%; Gross margin: 76.5%; Operating margin: 13.2%; Return on assets: 1%; Return on equity: 6.2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
Data provided for informational purposes only.
ETFs that hold SOFI
Funds in our ETF coverage that list SOFI among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| Simplify Volt Fintech Disruption ETF (VFIN) | 4.39% | |
| Defiance Next Gen SPAC Derived ETF (SPAK) | 1.33% |