Key metrics and charts across all fundamental categories.
Stock price and market valuation
SOFI trades at $17.42, a 49.8% increase year-over-year. Market capitalization stands at $22.23B, up 74.1% from the prior year. Track SOFI price trends and market cap history to understand how the market values this company over time.
Revenue and earnings growth across quarters
$608.48M in TTM revenue grew 15.3% YoY, reaching $129.50M last quarter. TTM EBITDA of $757.75M on operating income of $122.84M shows growth is flowing through. Net income of $576.93M TTM confirms the company is converting revenue into profit. Revenue is growing at a healthy pace — a signal to hold.
Assets, cash, debt, and leverage
With $53.70B in assets and $1.81B in long-term debt, the D/E of 0.2 shows a conservative capital structure — the company has a strong financial cushion to weather downturns.
Price multiples and return ratios
At 38.5x P/E, the stock trades at a premium — the market expects above-average growth. P/S of 36.5x and P/B of 2.1x provide additional context. Assess whether the current multiple is justified by the company's growth and profitability trajectory.
Operating efficiency and return metrics
Op. margin of 94.9% is up 67.3% YoY — cost efficiency is improving. Net margin at 128.7%. ROE of 5.3% shows the company generates solid returns on shareholder equity.
Free cash flow, earnings quality, and capital allocation
FCF of $-2.38B on $-2.31B in operating cash flow. The FCF / Net Income ratio of -4.1x shows cash consumption — the business is not yet self-funding. Cash reserves of $3.40B provide financial flexibility. Shares outstanding rose 16.2% YoY — shareholder dilution is eroding per-share value.
