SoFi Technologies Inc (SOFI) Financials

$17.54

$0.77 (4.59%)

As on 04-Nov-2026 13:36EST

Market cap

$21,731 Mln

Revenue (TTM)

$6,113 Mln

P/E Ratio

30.5

P/B Ratio

2

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	6,113.38	4,769.60	2,612.34	2,051.07	1,762.81	1,087.65
Cost of Revenue	1,426.99	1,186.56	-30.81	1,092.83	243.61	110.35
Gross Profit	4,686.39	3,583.04	2,612.34	2,051.07	1,519.20	977.30
Operating Expenses	3,779.37	3,057.18	2,499.96	1,741.83	1,837.92	1,458.48
Operating Profit (EBIT)	907.03	525.86	859.65	-300.33	-318.72	-481.18
Other Income	--	--	--	--	--	--
Profit before Tax	907.03	525.86	233.35	-301.16	-318.72	-481.18
Provision for Tax	169.16	44.54	265.32	0.42	1.69	2.76
Profit after Tax (Net Income)	737.86	481.32	498.67	-300.74	-320.41	-483.94
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	-320.41	-483.94

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	11,295.14	10,489.50	6,525.13	5,554.99	5,528.48	4,697.70
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	5,146.62	1,725.61	2,863.51	5,051.04	5,360.36	4,180.46
Current Liabilities	51,325.02	38,445.37	26,862.30	19,468.84	8,118.84	497.81
Total Liabilities	119,091.80	50,660.48	36,250.95	30,074.86	19,007.68	9,176.33

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	25,160.35	41,501.50	31,044.19	26,206.30	17,345.86	2,167.76
Current Assets	42,606.43	9,158.98	5,206.76	3,868.56	1,661.82	689.62
Total Assets	110,373.20	50,660.48	36,250.95	30,074.86	19,007.68	9,176.33
Total Debt*	3,978.94	1,934.63	3,204.21	5,362.63	5,634.37	4,539.48
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	-3,742.46	-1,119.81	-7,227.14	-7,255.86	-1,350.22
Cash Flow from Investing Activities	--	-6,719.11	-4,820.99	-1,889.86	-106.33	110.19
Cash from Financing Activities	--	13,109.33	5,034.58	10,885.60	8,439.49	684.99
Net Cash Inflow / Outflow	--	--	--	--	1,077.29	-555.04

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	0.54	0.36	0.43	-0.29	-0.35	-0.59
Cash EPS ($)	--	0.53	0.61	-0.10	-0.18	-0.47
Adjusted Book Value ($)	--	7.79	5.67	5.40	5.99	5.77
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	-2.78	-0.97	-7.02	-7.86	-1.66
Free Cash Flow per Share ($)	--	-2.96	-1.12	-7.14	-7.97	-1.72

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	4.35	4.83	-2.72	-3.14	-5.57
ROE (%)	6.68	5.66	8.26	-5.43	-6.27	-12.49
ROA (%)	0.91	1.11	1.50	-1.23	-2.27	-5.46
EBIT Margin (%)	9.64	11.03	8.93	-14.64	-18.08	-44.24
Net Margin (%)	12.07	10.09	19.09	-14.66	-18.18	-44.49
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	37.62	0.83	0.27	0.16	0.62	0.45
EBIT Growth (%)	47.13	125.36	177.70	5.77	33.76	-46.47
Net Profit Growth (%)	42.34	-3.48	265.81	6.14	33.79	-115.99
EPS Growth (%)	0.80	-0.17	2.48	0.16	0.42	-0.85
Book Value Growth (%)	22.32	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	30.47	73.22	35.55	-34.05	-13.28	-26.61
Price / Book Value	2.02	3.36	2.72	1.84	0.77	2.74
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	--	39.23	37.97	-40.02	-50.36	-44.06
Close Price ($)	15.72	26.18	15.40	9.95	4.61	15.81
High Price ($)	32.73	32.73	17.19	11.70	16.49	28.26
Low Price ($)	14.88	8.60	6.01	4.43	4.24	11.80
Market Cap ($ Cr)	21,731.31	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	--	0.18	0.49	0.97	1.02	0.97
Short term debt to equity ratio	--	0.05	0.07	0.09	0.09	0.11
Current Ratio	0.83	0.24	0.19	0.20	0.20	1.39
Quick Ratio	0.83	--	--	--	-0.03	-0.08
Interest Coverage	1.66	0.45	0.21	-0.38	-1.68	-4.68

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	--	18.73	22.49	8.28	7.21	7.86
Asset Turnover	0.08	0.11	0.08	0.08	0.13	0.12
Receivable days	--	56.71	52.95	26.44	22.02	22.81
Inventory Days	--	--	--	627.36	1,952.34	3,491.59
Payable days	--	34.26	-1,735.24	50.88	331.91	1,243.01
Cash Conversion Cycle	--	--	--	602.91	1,642.45	2,271.39

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.