SoFi Technologies, Inc. (abbreviated as SoFi, short for Social Finance) is an American financial technology company. It was founded in 2011 to refinance student loans for Stanford University graduates. SoFi operates as a direct bank serving retail customers and businesses, and is the largest U.S.-based online lender. It has nearly 16 million customers as of 2026.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| SOFI | SoFi Technologies, Inc. | 2026-07-31 15:54:33 | 16.26 | -0.19 | -1.16 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SOFI | 0001818874 | SoFi Technologies, Inc. | US83406F1021 | 549300SW81JCMVZDDY09 | 981547291 | Nasdaq | 6199 | Finance Services | 1231 | DE | 234 1ST STREET | SAN FRANCISCO | CA | 94105 | UNITED STATES | US | (855) 456-7634 | 234 1ST STREET, SAN FRANCISCO, CA, 94105 | 234 1ST STREET, SAN FRANCISCO, CA, 94105 | Social Capital Hedosophia Holdings Corp. V | Personal finance | 2011 | Anthony Noto | 5,000 | https://sofi.com | 20,000,000,000 | 1,281,409,498 | 1,282,741,200 | SoFi Technologies, Inc. (abbreviated as SoFi, short for Social Finance) is an American financial technology company. It was founded in 2011 to refinance student loans for Stanford University graduates. SoFi operates as a direct bank serving retail customers and businesses, and is the largest U.S.-based online lender. It has nearly 16 million customers as of 2026. | 2026-07-30 15:42:02 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2025 | 20,000,000,000 | 13,300,000,000 | 198.5075 | 1,275,263,850 | 178,723,635 | 16.2989 |
| 2024 | 6,700,000,000 | -700,000,000 | -9.4595 | 1,096,540,215 | 119,803,338 | 12.2657 |
| 2023 | 7,400,000,000 | 3,400,000,000 | 85 | 976,736,877 | 42,184,945 | 4.5139 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Kelli Keough | Executive Vice President | 2025 | 500,000 | — | 3,321,616 | 600,000 | 0 | 4,421,616 |
| Arun Pinto | Chief Risk Officer | 2025 | 500,000 | — | 2,906,402 | 642,000 | 0 | 4,048,402 |
| Anthony Noto | Chief Executive Officer | 2025 | 1,000,000 | — | 25,308,941 | 2,760,000 | 1,206,792 | 30,275,733 |
| Christopher Lapointe | Chief Financial Officer | 2025 | 500,000 | — | 5,812,804 | 666,000 | 0 | 6,978,804 |
| Jeremy Rishel | Chief Technology Officer | 2025 | 500,000 | — | 4,567,210 | 618,000 | 0 | 5,685,210 |
| Fiscal Year | Employee Count |
|---|---|
| 2025 | 6,100 |
| 2024 | 5,000 |
| 2023 | 4,400 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 619,353,000 | 503,123,000 | 421,454,000 |
| Cost Of Revenue | 608,998,000 | 461,633,000 | 379,998,000 |
| Gross Profit | 10,355,000 | 41,490,000 | 41,456,000 |
| Research And Development Expenses | 648,332,000 | 551,787,000 | 511,419,000 |
| General And Administrative Expenses | 704,436,000 | 600,089,000 | 511,011,000 |
| Operating Expenses | -515,502,000 | -191,855,000 | 342,614,000 |
| Operating Income | 525,857,000 | 233,345,000 | -301,158,000 |
| Net Income | 481,320,000 | 498,665,000 | -300,742,000 |
| Earnings Per Share Basic | 0.42 | 0.46 | -0.36 |
| Earnings Per Share Diluted | 0.39 | 0.39 | -0.36 |
| Weighted Average Shares Outstanding Basic | 1,150,140,000 | 1,050,219,000 | 945,024,160 |
| Weighted Average Shares Outstanding Diluted | 1,251,767,000 | 1,101,390,000 | 945,024,160 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Cash And Cash Equivalents | 4,929,452,000 | 2,538,293,000 | 3,085,020,000 |
| Marketable Securities Current | — | — | — |
| Accounts Receivable | 893,480,000 | 587,496,000 | 169,852,000 |
| Inventories | — | — | — |
| Non Trade Receivables | 1,744,392,000 | 616,686,000 | 9,245,000 |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 416,448,000 | 287,869,000 | 216,908,000 |
| Other Assets Non Current | — | — | — |
| Total Assets Non Current | — | — | — |
| Total Assets | 50,660,478,000 | 36,250,951,000 | 30,074,858,000 |
| Accounts Payable | 64,707,000 | 106,343,000 | 93,301,000 |
| Deferred Revenue | 8,535,000 | 7,474,000 | 5,718,000 |
| Short Term Debt | 428,022,000 | 0 | 0 |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | 426,600,000 | 424,700,000 | 1,100,000,000 |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 40,170,983,000 | 29,725,817,000 | 24,519,872,000 |
| Common Stock | 126,000 | 109,000 | 97,000 |
| Retained Earnings | -824,278,000 | -1,305,598,000 | -1,804,263,000 |
| Accumulated Other Comprehensive Income | 10,979,000 | -8,365,000 | -1,209,000 |
| Total Shareholders Equity | 10,489,495,000 | 6,525,134,000 | 5,234,612,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Depreciation And Amortization | 234,151,000 | 203,498,000 | 201,416,000 |
| Share Based Compensation Expense | 262,058,000 | 246,152,000 | 271,216,000 |
| Other Non Cash Income Expense | -13,759,000 | -10,039,000 | 14,046,000 |
| Change In Accounts Receivable | — | — | — |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | 100,666,000 | 458,450,000 | 5,506,000 |
| Change In Accounts Payable | — | 23,552,000 | 42,088,000 |
| Change In Other Liabilities | 140,456,000 | — | — |
| Cash From Operating Activities | -3,742,458,000 | -1,119,807,000 | -7,227,139,000 |
| Purchases Of Marketable Securities | 1,668,262,000 | 2,190,545,000 | 800,507,000 |
| Sales Of Marketable Securities | 521,982,000 | 185,537,000 | 265,634,000 |
| Acquisition Of Property Plant And Equipment | 242,444,000 | 154,265,000 | 111,409,000 |
| Acquisition Of Business | 0 | 0 | 72,301,000 |
| Other Investing Activities | 101,748,000 | 37,752,000 | 66,553,000 |
| Cash From Investing Activities | -6,719,107,000 | -4,820,990,000 | -1,889,864,000 |
| Tax Withholding For Share Based Compensation | 64,986,000 | 22,601,000 | 15,300,000 |
| Payments Of Dividends | — | 16,503,000 | 40,425,000 |
| Issuance Of Common Stock | 3,185,618,000 | 21,407,000 | 1,145,000 |
| Repurchase Of Common Stock | — | — | 0 |
| Issuance Of Long Term Debt | — | — | — |
| Repayment Of Long Term Debt | — | — | — |
| Other Financing Activities | 64,986,000 | 18,393,000 | -1,054,000 |
| Cash From Financing Activities | 13,109,333,000 | 5,034,577,000 | 10,885,602,000 |
| Change In Cash | 2,647,413,000 | -906,218,000 | 1,769,276,000 |
| Cash At End Of Period | 4,929,452,000 | 2,538,293,000 | 3,085,020,000 |
| Income Taxes Paid | 28,912,000 | 26,910,000 | 14,326,000 |
| Interest Paid | 1,146,248,000 | 1,118,032,000 | 720,163,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Earnings Per Share | 0.42 | 0.46 | -0.36 |
| Price To Earnings Ratio | 62.3333 | 33.4783 | -27.6389 |
| Earnings Growth Rate | -8.6957 | -227.7778 | -10 |
| Price Earnings To Growth Ratio | -7.1683 | -0.147 | 2.7639 |
| Book Value Per Share | 9.1202 | 6.2131 | 5.8781 |
| Price To Book Ratio | 2.8706 | 2.4786 | 1.6927 |
| Ebitda | 2,963,339,000 | 2,445,554,000 | 704,327,000 |
| Enterprise Value | 26,035,835,200 | 14,059,779,600 | 7,417,970,392 |
| Dividend Yield | — | 0.001 | 0.0043 |
| Dividend Payout Ratio | — | 0.0331 | -0.1344 |
| Debt To Equity Ratio | 0.0815 | 0.0651 | 0.2101 |
| Capital Expenditures | 362,730,000 | 274,459,000 | 248,220,000 |
| Free Cash Flow | -4,105,188,000 | -1,394,266,000 | -7,475,359,000 |
| Return On Equity | 0.0459 | 0.0764 | -0.0575 |
| One Year Beta | 2.3883 | 2.0867 | 2.2851 |
| Three Year Beta | 2.2948 | 2.0447 | 1.9665 |
| Five Year Beta | 2.0873 | 1.9728 | 1.9537 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Keough Kelli | EVP, GBUL, SIPS | 2026-07-20 | 10,954 | D | 367,728 |
| Freiberg Steven J | Director | 2026-07-17 | 13,993 | A | 13,993 |
| Meltzer Gary | Director | 2026-07-17 | 13,993 | A | 13,993 |
| YESIL MAGDALENA | Director | 2026-07-14 | 13,993 | A | 13,993 |
| Liang Clara | Director | 2026-07-14 | 13,993 | A | 13,993 |
| Name Of Reporting Person | Type Of Reporting Person | Report Date | Transaction Type | Transaction Date | Owner Type | Amount |
|---|---|---|---|---|---|---|
| Thomas R Carper | Senator | 2024-03-29 | Sale (Full) | 2024-03-21 | Spouse | $1,001 - $15,000 |
| Thomas R Carper | Senator | 2023-09-05 | Purchase | 2023-08-10 | Spouse | $1,001 - $15,000 |
| Name Of Reporting Person | Report Date | State | Transaction Type | Transaction Date | Owner Type | Amount |
|---|---|---|---|---|---|---|
| James Comer | 2025-01-10 | KY01 | Purchase | 2025-01-02 | — | $1,001 - $15,000 |
| James Comer | 2025-01-10 | KY01 | Purchase | 2025-01-02 | — | $1,001 - $15,000 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| Jacobi Capital Management LLC | 2026-06-30 | 341,838 | 19,065 | 17.9301 |
| MGO ONE SEVEN LLC | 2026-06-30 | 390,533 | 21,781 | 17.93 |
| Bruce G. Allen Investments, LLC | 2026-06-30 | 2,116 | 118 | 17.9322 |
| Solidarity Wealth, LLC | 2026-06-30 | 1,177,302 | 65,661 | 17.93 |
| INTEGRITY ALLIANCE, LLC. | 2026-06-30 | 357,793 | 19,955 | 17.93 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| VALUED ADVISERS TRUST | 2026-05-31 | LS Opportunity Fund - Institutional Class | LSOFX | -23,000 | -419,060 | -0.4692 |
| WisdomTree Trust | 2026-05-31 | WisdomTree Efficient Gold Plus Equity Strategy Fund | GDE | 3,322 | 60,526.84 | 0.0102 |
| Invesco Exchange-Traded Fund Trust II | 2026-05-31 | Invesco MSCI USA ETF | PBUS | 219,087 | 3,991,765.14 | 0.0348 |
| Invesco Exchange-Traded Fund Trust II | 2026-05-31 | Invesco Russell 1000 Equal Weight ETF | EQAL | 27,183 | 495,274.26 | 0.0614 |
| AMERICAN CENTURY ETF TRUST | 2026-05-31 | Avantis U.S. Large Cap Equity ETF | AVLC | 26,011 | 473,920.42 | 0.0377 |