SoFiSOFI
$23.5B market capSoFiSOFIRevenue: is the business selling more than it used to?
$619M+23% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Revenue reached $619M in 2025, compounding +18% a year since 2022 though the pace has cooled. The last twelve months (+9%) ran below that pace, so growth is slowing.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFINet income: how much of that revenue becomes profit?
$481M−3% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Net income was $481M in 2025, against $499M the year before. Trailing twelve-month profit stands at $636M.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIHow fast is it growing, year by year?
+23.1%revenue growth, FY 2025
→Revenue grew +23% in 2025 against a five-year average of +49%. Earnings went the other way (-3%) even as sales grew, so margins compressed: costs rose faster than revenue.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIRevenue per share: is your slice growing as fast as the company?
$0.49revenue per share, FY 2025
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Revenue per share reached $0.49 in 2025, compounding +6% a year against +18% for SOFI as a whole. Dilution absorbed about 12.3 points of that growth.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIMargins: of every $1 of sales, how much survives each cost layer?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Net margin stands at 78% in 2025. SOFI doesn't break out gross or operating margin in its filings, so net is the only layer the data supports.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIWhat does it earn on the money it uses?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→SOFI earns 6% on shareholders' capital. Return on capital employed isn't meaningful for this business model, so ROE carries the picture alone.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIWhat has the market paid for SOFI over time?
35.8xP/E today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→At 38.6x sales, the market is paying +100% more than SOFI's own 5-year median of 19.3x. Expectations are elevated, so more has to go right to justify the price.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFICould it handle its debt if things went wrong?
→Debt isn't clearly tagged in SOFI's filings, so treat the balance sheet with extra care rather than assuming zero.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIIs the company's own capital growing?
→The company's own capital grew from $5.2B in 2023 to $11.1B (+112%). The business is building book value rather than consuming it.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIHow much goes back, and how much leaks out as stock comp?
→SOFI returned no cash to shareholders in the latest filed year: everything is being retained or reinvested.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIHow fast is your ownership being diluted - or concentrated?
→The share count grew 13.7% in 2025, averaging 11.7% a year over three years. Your slice of the company shrinks by that much each year unless earnings grow faster.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIDoes SOFI earn more on its capital than that capital costs?
→SOFI earns 4.6% on the capital it employs, below the 10% most investors treat as the cost of capital.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFISOFI has issued or retired shares - did shareholders end up better off?
→SOFI's share count rose +1808% from 2019 to 2025 while revenue per share grew +618%. Holders are further ahead than before, though the gain per share is smaller than the growth in the business.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIWhat does SOFI earn on the money it lends out?
→SOFI earns 4.38% on its assets after paying for deposits and other funding. That is above the 0.74% median of the largest US banks. The spread has widened from 3.07% in 2022. This spread is where a bank's profit begins, so it drives everything below.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIHow much does it cost to run the bank?
→It costs SOFI 84.6% of every revenue dollar to run the bank, and lower is better here. Peers run at 32.5%, so SOFI is carrying more cost per dollar of revenue. It has improved from 116.8% in 2022.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIIs it a lender, or a fee business?
→Roughly a third of SOFI's revenue (39%) comes from fees rather than interest, on $3.6B of total revenue in 2025. Fees have been taking a growing share since 2019, and fee income matters because it does not depend on interest rates.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIIs the lending funded by its own depositors?
◌ 2026 = the latest balance sheet, not a fiscal year-end
→SOFI holds $37.5B of deposits in 2025, +411% since 2022. Deposits are a bank's cheapest funding, and depositors leaving is the first sign of real trouble.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
SoFiSOFIAre the people running it buying or selling?
→Insiders bought $749,336 and sold $3M on the open market, a net sale of $2M. A further 46 filings were grants, option exercises or tax withholding, which say nothing either way.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30