SOFI - SoFi Technologies, Inc.
Price:
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--
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CONSENSUS:
Hold
DETAILS
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PRICE TARGET:
$21.40
DETAILS
HIGH:
$29.00
LOW:
$16.00
MEDIAN:
$19.50
CONSENSUS:
$21.40
UPSIDE:
37.00%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||
| Revenue | 4,769.6 | 3,703.7 | 2,897.5 | 1,762.8 | 1,087.6 | 751.1 | 721.0 | 600.0 | 824.6 |
| Cost of Revenue | 1,186.6 | 1,123.0 | 844.3 | 243.6 | 110.3 | 185.6 | 278.4 | 330.6 | 152.2 |
| Gross Profit | 3,583.0 | 2,580.6 | 2,053.3 | 1,519.2 | 977.3 | 565.5 | 442.7 | 269.4 | 506.7 |
| Operating Expenses | |||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 68.3 |
| SG&A Expenses | 1,799.8 | 1,396.4 | 1,230.4 | 1,119.4 | 925.4 | 514.0 | 418.5 | 334.6 | 380.8 |
| Other Expenses | 1,257.3 | 950.9 | 1,124.0 | 718.5 | 533.1 | 380.1 | 263.8 | 188.2 | 0 |
| Operating Expenses | 3,057.2 | 2,347.3 | 2,354.4 | 1,837.9 | 1,458.5 | 894.1 | 682.3 | 522.8 | 449.1 |
| Operating Income | |||||||||
| Operating Income | 525.9 | 233.3 | (301.2) | (318.7) | (481.2) | (328.5) | (239.6) | (253.4) | 57.6 |
| Interest Expense | 1,156.2 | 1,091.3 | 789.3 | 189.3 | 102.8 | 185.6 | 278.4 | 330.6 | 0 |
| Interest Income | 3,375.2 | 2,807.8 | 2,051.1 | 773.4 | 355.0 | 363.5 | 608.2 | 589.6 | 0 |
| Profitability | |||||||||
| EBITDA | 760.0 | 436.8 | (99.7) | (167.4) | (379.6) | (258.7) | (223.6) | (242.4) | 65.8 |
| EBIT | 525.9 | 233.3 | (301.2) | (318.7) | (481.2) | (328.5) | (239.6) | (253.4) | 57.6 |
| Income Before Tax | 525.9 | 233.3 | (301.2) | (318.7) | (481.2) | (328.5) | (239.6) | (253.4) | 50.1 |
| Income Tax Expense | 44.5 | (265.3) | (0.4) | 1.7 | 2.8 | (104.5) | 0.1 | (1.0) | 0.3 |
| Net Income | 481.3 | 498.7 | (300.7) | (320.4) | (483.9) | (224.1) | (239.7) | (252.4) | 49.8 |
| Per Share Data | |||||||||
| EPS (Basic) | 0.42 | 0.46 | -0.36 | -0.40 | -1.00 | -2.73 | -2.27 | -2.17 | 1.62 |
| EPS (Diluted) | 0.39 | 0.39 | -0.36 | -0.40 | -1.00 | -2.73 | -2.27 | -2.17 | 1.33 |
| Shares Outstanding | 1,150.1 | 1,050.2 | 945.0 | 900.9 | 526.7 | 116.2 | 116.2 | 116.2 | 37.0 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||
| Cash & Cash Equivalents | 4,929.5 | 2,538.3 | 3,085.0 | 1,421.9 | 494.7 | 872.6 | 499.5 | 537.0 |
| Short-Term Investments | 0 | 1,804.0 | 500.9 | 39.4 | 194.9 | 0 | 0 | 0 |
| Net Receivables | 0 | 587.5 | 169.9 | 127.0 | 85.5 | 17.9 | 21.3 | 7.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 427.3 | 0 | 0 | 0 | 0 | 0 | 0 | (219.7) |
| Total Current Assets | 5,356.8 | 5,206.8 | 3,868.6 | 1,661.8 | 833.0 | 890.5 | 520.8 | 325.1 |
| Non-Current Assets | ||||||||
| Property, Plant & Equipment | 510.4 | 369.1 | 306.5 | 267.2 | 227.1 | 198.3 | 161.0 | 13.3 |
| Goodwill | 1,393.5 | 1,393.5 | 1,393.5 | 1,623.0 | 898.5 | 899.3 | 15.7 | 15.7 |
| Intangible Assets | 610.1 | 639.9 | 544.5 | 592.0 | 452.8 | 504.7 | 213.4 | 189.0 |
| Long-Term Investments | 25,387.4 | 28,031.8 | 23,292.4 | 14,279.8 | 6,484.7 | 5,483.8 | 6,146.0 | 0 |
| Other Non-Current Assets | 17,402.3 | 342.7 | 669.3 | 583.8 | 280.2 | 586.9 | 232.3 | 8,006.8 |
| Total Non-Current Assets | 45,303.7 | 31,044.2 | 26,206.3 | 17,345.9 | 8,343.3 | 7,673.0 | 6,768.4 | 8,224.8 |
| Total Assets | 50,660.5 | 36,251.0 | 30,074.9 | 19,007.7 | 9,176.3 | 8,563.5 | 7,289.2 | 8,549.9 |
| Current Liabilities | ||||||||
| Account Payables | 0 | 132.8 | 159.9 | 144.6 | 158.1 | 452.9 | 103.6 | 0 |
| Short-Term Debt | 0 | 486 | 486 | 486 | 497.8 | 486 | 161 | 28.2 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 25,978.2 | 18,620.7 | 7,342.3 | 0 | 0 | 0 | (28.2) |
| Total Current Liabilities | 0 | 26,862.3 | 19,468.8 | 8,118.8 | 750.1 | 1,391.8 | 368.2 | 7.3 |
| Non-Current Liabilities | ||||||||
| Long-Term Debt | 1,815.7 | 2,607.3 | 4,754.8 | 5,016.9 | 3,543.9 | 4,431.2 | 4,799.2 | 6,618.2 |
| Deferred Tax Liabilities | 0 | 20.2 | 40.2 | 56.5 | 1.8 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 38,355.3 | 117.7 | 128.5 | 145.5 | 27.4 | (452.9) | (103.6) | 102.3 |
| Total Non-Current Liabilities | 40,171.0 | 2,863.5 | 5,051.0 | 5,360.4 | 3,728.6 | 4,118.1 | 4,820.3 | 6,720.5 |
| Total Liabilities | 40,171.0 | 29,725.8 | 24,519.9 | 13,479.2 | 4,478.6 | 5,509.9 | 5,188.5 | 6,727.8 |
| Stockholders' Equity | ||||||||
| Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0 | 0 | 0 |
| Retained Earnings | (824.3) | (1,305.6) | (1,804.3) | (1,503.5) | (1,183.1) | (699.2) | (474.6) | (223.1) |
| Accumulated Other Comprehensive Income | 11.0 | (8.4) | (1.2) | (8.3) | (1.5) | (0.2) | (0.0) | (0.0) |
| Total Stockholders' Equity | 10,489.5 | 6,525.1 | 5,555.0 | 5,528.5 | 4,697.7 | 3,053.6 | 2,100.7 | 1,822.1 |
| Total Liabilities & Equity | 50,660.5 | 36,251.0 | 30,074.9 | 19,007.7 | 9,176.3 | 8,563.5 | 7,289.2 | 8,549.9 |
| Debt Metrics | ||||||||
| Total Debt | 1,815.7 | 3,204.2 | 5,362.6 | 5,634.4 | 4,194.6 | 5,057.0 | 5,084.9 | 6,646.4 |
| Net Debt | (3,113.8) | 665.9 | 2,277.6 | 4,212.5 | 3,699.9 | 4,184.4 | 4,585.4 | 6,109.4 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||
| Net Income | 481.3 | 498.7 | (300.7) | (320.4) | (483.9) | (224.1) | (239.7) | (252.4) | 49.8 |
| Depreciation & Amortization | 234.2 | 203.5 | 201.4 | 151.4 | 101.6 | 69.8 | 16.0 | 10.9 | 8.1 |
| Stock-Based Compensation | 262.1 | 246.2 | 271.2 | 306.0 | 239.0 | 99.9 | 61.4 | 43.5 | 39.8 |
| Change in Working Capital | (4,438.4) | (1,612.9) | (7,633.2) | (7,495.6) | (1,345.3) | (397.3) | 70.0 | 1,228.1 | (69.4) |
| Other Non-Cash Items | (297.7) | (168.3) | 250.0 | 106.3 | 137.3 | 76.8 | 37.5 | (5.7) | 48.2 |
| Operating Cash Flow | (3,742.5) | (1,119.8) | (7,227.1) | (7,255.9) | (1,350.2) | (479.3) | (54.7) | 1,023.3 | 76.8 |
| Investing Activities | |||||||||
| Capital Expenditure | (242.4) | (163.6) | (121.2) | (103.7) | (52.3) | (24.5) | (37.6) | (13.7) | (11.6) |
| Acquisitions | 0 | 0 | (72.3) | 58.5 | 0 | (32.4) | 0 | 0 | (1.8) |
| Purchases of Investments | (3,734.8) | (2,228.3) | (867.1) | (45.0) | (268.4) | (0.1) | (3.6) | (100.4) | (3,012.6) |
| Sales/Maturities of Investments | 1,464.1 | 1,076.7 | 533.1 | 157.6 | 414.1 | 323.7 | 165.1 | 101.9 | 10.6 |
| Other Investing Activities | (4,206.0) | (3,515.1) | (1,372.2) | (184.3) | 16.7 | (7.6) | (9.1) | 0 | 3.6 |
| Investing Cash Flow | (6,719.1) | (4,821.0) | (1,889.9) | (106.3) | 110.2 | 258.9 | 114.9 | (12.3) | (3,011.7) |
| Financing Activities | |||||||||
| Net Debt Issuance | (1,286.7) | (1,490.7) | (279.8) | 1,341.6 | (908.4) | 524.9 | (368.0) | (931.5) | 2,551.0 |
| Stock Repurchased | (65.0) | 0 | 0 | 0 | (283.4) | (0.0) | (8.8) | 0 | (1.1) |
| Dividends Paid | 0 | (16.5) | (40.4) | (40.4) | (40.4) | (40.5) | (23.9) | 0 | (0.7) |
| Other Financing Activities | 14,461.0 | 6,865.2 | 11,205.8 | 7,138.3 | 1,917.2 | (0.4) | (80.1) | (23.2) | (4.9) |
| Financing Cash Flow | 13,109.3 | 5,034.6 | 10,885.6 | 8,439.5 | 685.0 | 853.8 | 93.1 | (954.8) | 3,052.9 |
| Cash Position | |||||||||
| Net Change in Cash | 2,647.4 | (906.2) | 1,769.3 | 1,077.9 | (555.0) | 633.2 | 153.2 | 56.3 | 118.0 |
| Cash at Beginning | 2,709.4 | 3,615.6 | 1,846.3 | 768.4 | 1,323.4 | 690.2 | 537.0 | 480.7 | 362.8 |
| Cash at End | 5,356.8 | 2,709.4 | 3,615.6 | 1,846.3 | 768.4 | 1,323.4 | 690.2 | 537.0 | 480.7 |
| Free Cash Flow | (3,984.9) | (1,283.4) | (7,348.3) | (7,359.6) | (1,402.5) | (503.9) | (92.3) | 1,009.5 | 65.2 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 4,769.6 | 3,703.7 | 2,897.5 | 1,762.8 | 1,087.6 | 751.1 | 721.0 | 600.0 | 824.6 |
| Gross Profit | 3,583.0 | 2,580.6 | 2,053.3 | 1,519.2 | 977.3 | 565.5 | 442.7 | 269.4 | 506.7 |
| Operating Income | 525.9 | 233.3 | (301.2) | (318.7) | (481.2) | (328.5) | (239.6) | (253.4) | 57.6 |
| Net Income | 481.3 | 498.7 | (300.7) | (320.4) | (483.9) | (224.1) | (239.7) | (252.4) | 49.8 |
| EPS (Diluted) | 0.39 | 0.39 | -0.36 | -0.40 | -1.00 | -2.73 | -2.27 | -2.17 | 1.33 |
| Balance Sheet | |||||||||
| Cash & Equivalents | 4,929.5 | 2,538.3 | 3,085.0 | 1,421.9 | 494.7 | 872.6 | 499.5 | 537.0 | |
| Total Assets | 50,660.5 | 36,251.0 | 30,074.9 | 19,007.7 | 9,176.3 | 8,563.5 | 7,289.2 | 8,549.9 | |
| Total Debt | 1,815.7 | 3,204.2 | 5,362.6 | 5,634.4 | 4,194.6 | 5,057.0 | 5,084.9 | 6,646.4 | |
| Stockholders' Equity | 10,489.5 | 6,525.1 | 5,555.0 | 5,528.5 | 4,697.7 | 3,053.6 | 2,100.7 | 1,822.1 | |
| Cash Flow | |||||||||
| Operating Cash Flow | (3,742.5) | (1,119.8) | (7,227.1) | (7,255.9) | (1,350.2) | (479.3) | (54.7) | 1,023.3 | 76.8 |
| Capital Expenditure | (242.4) | (163.6) | (121.2) | (103.7) | (52.3) | (24.5) | (37.6) | (13.7) | (11.6) |
| Free Cash Flow | (3,984.9) | (1,283.4) | (7,348.3) | (7,359.6) | (1,402.5) | (503.9) | (92.3) | 1,009.5 | 65.2 |