Why did SoFi Technologies, Inc. (SOFI) stock move recently?

On 8/25/2026, SoFi Technologies, Inc. moved +4.2% — SOFI rose on technical momentum, reclaiming short-term moving averages and outperforming a flat financials sector, with no new fundamental catalyst reported for the day. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is SoFi Technologies, Inc. (SOFI) overvalued or fairly valued?

MarketChacha shows SoFi Technologies, Inc.'s valuation in context — a trailing P/E of about 42.4, a forward P/E of about 22.1, a price-to-book of about 2.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is SoFi Technologies, Inc.'s revenue?

SoFi Technologies, Inc. reported revenue of $619.4M for FY2025, with net profit of $481.3M, per official filings.

What is the share price of SoFi Technologies, Inc. (SOFI)?

SoFi Technologies, Inc. last traded at $18.22 (-1.6% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

SoFi Technologies, Inc.

SOFI · NASDAQ · Financials · United States

Snapshot

TickerSOFI

ExchangeNASDAQ

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees6,100

HeadquartersSan Francisco, United States

Websitewww.sofi.com

Filings tracked20

About SoFi Technologies, Inc.

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform that provides software licenses and associated services, including implementation and maintenance. In addition, it provides SoFi Money offers checking and savings accounts, and cash management products; SoFi Invest, a mobile-first investment platform that offers access to trading and advisory solutions, such as investing and robo-advisory; and SoFI Crypto, a new digital asset trading platform. Further, the company offers SoFi Credit Card that provides cash back rewards on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and offers loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.

Who owns it

Insiders1.4%
Institutions51.3%
Public & other47.2%

1,183 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.5.61%
Vanguard Capital Management LLC4.49%
Vanguard Portfolio Management LLC3.93%
Goldman Sachs Group Inc2.73%
UBS Group AG2.72%
State Street Corporation2.23%
Geode Capital Management, LLC1.81%
Morgan Stanley1.51%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Over 3 years only -17.80× of reported profit became operating cash — the classic sign that headline earnings may be running ahead of the cash actually generated. Often explained by working capital funding growth; worth a closer look.

Cash conversion-17.80×

Net margin trend-71.4% → 77.7%

Margin has expanded by about 149.1 points — the business is getting more profitable.

Return on equity4.6%

Latest ROE of 4.6% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.3B · EPS 0.19

Est. earnings growth +57.1%

Next fiscal year

Rev $6.2B · EPS 0.82

Est. earnings growth +36.9%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$619.4M

Net margin

77.7%

ROE

4.6%

Revenue CAGR (2y)

+21.2%

EPS (FY2025)

0.39

Net profit (FY2025)

$481.3M

Ask MarketChacha about SOFI

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Aug 25, 2026
SOFI rose on technical momentum, reclaiming short-term moving averages and outperforming a flat financials sector, with no new fundamental catalyst reported for the day.
source 1 ↗source 2 ↗· confidence: medium

Daily moves with the verified reason behind them. Education only — not investment advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$619.4M	$481.3M	0.39	77.7%	4.6%
FY2024	$503.1M	$498.7M	0.39	99.1%	7.6%
FY2023	$421.5M	$-300.7M	-0.36	-71.4%	-5.7%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$153.6M	$156.6M	0.12	102.0%
2026Q1	$129.5M	$166.7M	0.12	128.7%
2025Q3	$156.8M	$139.4M	0.11	88.9%
2025Q2	$151.9M	$97.3M	0.08	64.0%
2025Q1	$140.4M	$71.1M	0.06	50.7%
2024Q3	$131.2M	$60.7M	0.05	46.3%
2024Q2	$120.8M	$17.4M	0.01	14.4%
2024Q1	$115.6M	$88.0M	0.02	76.2%
2023Q3	$104.9M	$-266.7M	-0.29	-254.1%
2023Q2	$104.7M	$-47.5M	-0.06	-45.4%
2023Q1	$95.5M	$-34.4M	-0.05	-36.1%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/6/2026
8-K — Results of operations, Exhibits
SEC7/29/2026material
8-K — Shareholder vote results
SEC6/18/2026material
10-Q filing
SEC5/7/2026
8-K — Results of operations, Exhibits
SEC4/29/2026material
10-K filing
SEC2/17/2026
8-K — Results of operations, Exhibits
SEC1/30/2026material
8-K — Executive/director change
SEC1/9/2026material
8-K — Other events
SEC1/5/2026material

2025

8-K — Other events, Exhibits
SEC12/8/2025material
8-K — Other events, Exhibits
SEC12/5/2025material
8-K — Executive/director change
SEC12/4/2025material
8-K — Reg FD disclosure
SEC11/13/2025material
10-Q filing
SEC11/6/2025
8-K — Results of operations, Exhibits
SEC10/28/2025material
8-K — Reg FD disclosure
SEC8/29/2025material
10-Q filing
SEC8/7/2025
8-K — Other events, Exhibits
SEC7/31/2025material
8-K — Other events, Exhibits
SEC7/30/2025material
8-K — Results of operations, Exhibits
SEC7/29/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.