SOFI
SoFi Technologies, Inc.SoFi Technologies, Inc. reported revenue of $619.35M in its most recent fiscal year, up 23.1% on the year before. It kept 77.7% of that as net income, and generated -$3.98B of free cash flow. Figures below are compared against other companies classified under Finance Services.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 23.1% | 10.8% | 38 / 93 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | 18.0% | 9.3% | 33 / 76 |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | 43.1% | 18.4% | 17 / 58 |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 0.0% | -57.6% | 16 / 39 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | Not reported | 15.4% | — |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 17.0% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | Not reported | -6.8% | — |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | Not reported | 3.9% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | 1.7% | 39.2% | 47 / 59 |
Operating margin Operating income as a share of revenue. | Not reported | -53.0% | — |
Net margin Net income as a share of revenue. | 77.7% | -31.2% | 2 / 91 |
Free cash flow margin Free cash flow as a share of revenue. | -643.4% | -21.2% | 64 / 65 |
Return on equity Net income divided by shareholder equity. | 4.6% | -13.7% | 28 / 94 |
Return on assets Net income divided by total assets. | 1.0% | -8.1% | 31 / 102 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | -13.0% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.17x | 0.48x | 18 / 48 |
Current ratio Current assets over current liabilities. | Not reported | 1.92x | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | 1.92x | — |
Interest coverage Operating income divided by interest expense. | Not reported | -10.71x | — |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | Not reported | -0.59x | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. None of the last 40 reported transactions were open-market purchases — grants, option exercises and sales make up the majority of insider filings at most companies.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 20, 2026 | Keough Kelli EVP, GBUL, SIPS | Open-market sale | 10,203 | $14.72 | $150.2K |
| Sep 21, 2026 | Rishel Jeremy Chief Technology Officer | Open-market sale | 18,624 | $17.50 | $325.9K |
| Sep 21, 2026 | Keough Kelli EVP, GBUL, SIPS | Open-market sale | 10,203 | $16.99 | $173.3K |
| Sep 15, 2026 | Keough Kelli EVP, GBUL, SIPS | Withheld for tax | 66,033 | $17.28 | $1.14M |
| Sep 15, 2026 | Rishel Jeremy Chief Technology Officer | Withheld for tax | 41,750 | $17.28 | $721.4K |
| Sep 15, 2026 | Lavet Robert S General Counsel | Withheld for tax | 14,414 | $17.28 | $249.1K |
| Sep 15, 2026 | Pinto Arun Chief Risk Officer | Withheld for tax | 11,838 | $17.28 | $204.5K |
| Sep 15, 2026 | Schuppenhauer Eric EVP GBUL Borrow | Withheld for tax | 2,757 | $17.28 | $47.6K |
| Sep 14, 2026 | Noto Anthony Chief Executive Officer | Withheld for tax | 188,259 | $17.32 | $3.26M |
| Sep 14, 2026 | Lapointe Christopher CFO and PAO | Withheld for tax | 59,341 | $17.32 | $1.03M |
| Sep 14, 2026 | Pinto Arun Chief Risk Officer | Option exercise(derivative) | 11,434 | $0.00 | $0.00 |
| Sep 14, 2026 | Lavet Robert S General Counsel | Option exercise(derivative) | 36,057 | $0.00 | $0.00 |
| Sep 14, 2026 | Rishel Jeremy Chief Technology Officer | Option exercise(derivative) | 11,363 | $0.00 | $0.00 |
| Sep 14, 2026 | Rishel Jeremy Chief Technology Officer | Option exercise(derivative) | 28,748 | $0.00 | $0.00 |
| Sep 14, 2026 | Keough Kelli EVP, GBUL, SIPS | Option exercise(derivative) | 82,643 | $0.00 | $0.00 |
| Sep 14, 2026 | Keough Kelli EVP, GBUL, SIPS | Option exercise(derivative) | 26,476 | $0.00 | $0.00 |
| Sep 14, 2026 | Keough Kelli EVP, GBUL, SIPS | Option exercise(derivative) | 13,067 | $0.00 | $0.00 |
| Sep 14, 2026 | Noto Anthony Chief Executive Officer | Option exercise(derivative) | 136,166 | $0.00 | $0.00 |
| Sep 14, 2026 | Noto Anthony Chief Executive Officer | Option exercise(derivative) | 154,197 | $0.00 | $0.00 |
| Sep 14, 2026 | Noto Anthony Chief Executive Officer | Option exercise(derivative) | 55,191 | $0.00 | $0.00 |
| Sep 14, 2026 | Rishel Jeremy Chief Technology Officer | Option exercise(derivative) | 37,824 | $0.00 | $0.00 |
| Sep 14, 2026 | Schuppenhauer Eric EVP GBUL Borrow | Option exercise(derivative) | 6,493 | $0.00 | $0.00 |
| Sep 14, 2026 | Keough Kelli EVP, GBUL, SIPS | Option exercise(derivative) | 5,681 | $0.00 | $0.00 |
| Sep 14, 2026 | Lapointe Christopher CFO and PAO | Option exercise(derivative) | 52,954 | $0.00 | $0.00 |
| Sep 14, 2026 | Lapointe Christopher CFO and PAO | Option exercise(derivative) | 36,589 | $0.00 | $0.00 |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | $619.35M | $503.12M | $421.45M | $377.10M | $247.72M | $103.33M | $4.52M |
| Net income | $481.32M | $498.67M | -$300.74M | -$320.41M | -$483.94M | -$224.05M | -$239.70M |
| EPS (diluted) | $0.39 | $0.39 | -$0.36 | -$0.40 | n/c | n/c | n/c |
| Operating cash flow | -$3.74B | -$1.12B | -$7.23B | -$7.26B | -$1.35B | -$479.34M | -$54.73M |
| Capital expenditure | $242.44M | $154.26M | $111.41M | $93.20M | $52.26M | $24.55M | $37.59M |
| Free cash flow | -$3.98B | -$1.27B | -$7.34B | -$7.35B | -$1.40B | -$503.88M | -$92.32M |
| Total assets | $50.66B | $36.25B | $30.07B | $19.01B | $9.18B | $8.56B | — |
| Shareholder equity | $10.49B | $6.53B | $5.23B | $5.21B | $4.38B | -$120.11M | -$339.06M |
| Total debt | $1.82B | $3.09B | $5.23B | $5.49B | $3.95B | $4.80B | — |
| Cash | $4.93B | $2.54B | $3.09B | $1.42B | $494.71M | $872.58M | $499.49M |
| Dividends per share | $0.00 | $0.00 | $0.00 | $0.00 | n/c | n/c | n/c |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
n/c marks per-share figures that are not comparable. Companies report each year as their filings stated it, and an annual report restates only its two prior years — so after a stock split, older years remain on the pre-split share count. Totals above are unaffected.
Source
Figures come from SoFi Technologies, Inc.’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 10-K filed Feb 17, 2026. View filings on EDGAR.