SoFi Technologies, Inc. (SOFI) stock
SOFINasdaqFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 10/308% above fair value
$15.42−0.21 (-1.34%)
Close on Nov 13, 2026Market cap $19.92BP/E 28.0Yield 0.00%
SoFi Technologies statistics
83 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 29, 2027 (estimated, before the open)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.06
- 1.13
Enterprise valuationIndustry
- EV / Sales
- 27.74
- 2.54
Share statisticsIndustry
- Shares Change (YoY)
- 12.5%
- 13.6%
- Shares Change (QoQ)
- 0.49%
- 0.11%
- Float
- 1.20B
- 40M
- Shares Held by Insiders
- 6.88%
- 18.2%
- Shares Held by Institutions
- 50.7%
- 27.7%
Short sellingIndustry
- Short Interest
- 224M
- –
- Short Interest Change
- 1.83%
- -0.08%
- Short % of Float
- 18.6%
- 6.48%
- Short % of Shares Outstanding
- 17.3%
- 5.35%
- Days to Cover
- 3.69
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $31.75
- –
- 52-Week Low
- $13.86
- –
- 20-Day Moving Average
- $15.95
- –
- 50-Day Moving Average
- $16.17
- –
- 200-Day Moving Average
- $17.32
- –
- Average True Range (14)
- $0.81
- –
- Price Change (1 Week)
- -4.87%
- -4.00%
- Price Change (1 Month)
- 2.19%
- -17.2%
- Price Change (3 Months)
- -15.8%
- -15.4%
- Price Change (6 Months)
- -1.22%
- -32.2%
- Price Change (YTD)
- -41.1%
- -37.2%
- Price Change (1 Year)
- -52.1%
- -50.6%
- Price Change (3 Years)
- 106.2%
- -32.7%
- Price Change (5 Years)
- -32.2%
- -81.6%
- Average Volume (10 Days)
- 50M
- –
- Average Volume (20 Days)
- 56M
- –
- Average Volume (90 Days)
- 56M
- –
- Relative Volume
- 0.68
- 0.72
- Relative Strength Index (14)
- 44.3
- 39.6
- Volatility (1 Year)
- 55.3%
- 94.5%
- Beta (5 Years)
- 2.05
- 1.24
MarginsIndustry
- Pretax Margin
- 147.1%
- -6.66%
- FCF Margin
- -1709.0%
- -32.1%
Returns on capitalIndustry
- Return on Equity (ROE)
- 7.35%
- -20.8%
- Return on Assets (ROA)
- 1.31%
- -7.97%
GrowthIndustry
- Revenue Growth (YoY)
- 5.51%
- 15.4%
- Net Income Growth (YoY)
- 15.2%
- -22.9%
- EPS Growth (YoY)
- 3.77%
- 3.77%
- Revenue Growth (3Y CAGR)
- 18.0%
- 5.94%
- Revenue Growth (5Y CAGR)
- 43.1%
- 10.7%
EfficiencyIndustry
- Asset Turnover
- 0.01
- 0.16
- Revenue Per Employee
- $101.11K
- $675.54K
- Profits Per Employee
- $120.96K
- -$170.28K
- Employee Count
- 6,100
- 47
- WACC
- 15.3%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $907.03M
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $2.81B
- $7.04M
- Net Cash Per Share
- $2.18
- $0.19
- Equity (Book Value)
- $11.30B
- $224.68M
- Book Value Per Share
- $8.75
- $4.10
- Tangible Book Value
- $9.66B
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$331.98M
- -$4.95M
- FCF Per Share
- -$8.16
- -$0.22
Dividends and yieldsIndustry
- Earnings Yield
- 3.70%
- -13.4%
- FCF Yield
- -52.9%
- -15.4%
- Dividend Yield
- 0.00%
- 1.98%
- Buyback Yield
- -7.90%
- 0.46%
- Shareholder Yield
- -7.90%
- 0.51%
- Dividend Per Share
- $0.00
- $1.06
- Years of Dividend Growth
- 0
- 0
Taxes and interestIndustry
- Income Tax
- $169.16M
- $213.00K
- Effective Tax Rate
- 18.7%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $10.40
- $31.08
- Graham Upside
- -32.5%
- 16.5%
- Altman Z-Score
- 0.22
- 0.36
- Piotroski F-Score
- 3
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | SOFI | S&P 500 | Difference | SOFI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.2% | -3.0% | +4.2 pts | ||
| 3 months | -16.3% | -2.8% | −13.6 pts | ||
| Year to date | -41.1% | +11.5% | −52.6 pts | ||
| 1 year | -45.7% | +13.5% | −59.1 pts | ||
| 3 years | +119.0% | +77.7% | +41.3 pts | +29.9% | +21.1% |
| 5 years | -32.2% | +72.6% | −104.9 pts | -7.5% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
224M SOFI shares were sold short on Oct 30, 2026, up 1.8% from the previous report, or 18.60% of the shares available to trade. At recent volumes it would take 3.7 days to buy them back. Over the last 20 sessions, 38.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 223,670,033 | +1.8% | 60,576,848 | 3.7 |
| Oct 15, 2026 | 219,640,877 | +2.2% | 46,206,147 | 4.8 |
| Sep 30, 2026 | 214,897,462 | +13.7% | 51,761,298 | 4.2 |
| Sep 15, 2026 | 188,982,888 | +6.5% | 36,142,975 | 5.2 |
| Aug 31, 2026 | 177,480,044 | +2.9% | 43,504,209 | 4.1 |
| Aug 14, 2026 | 172,515,246 | -9.6% | 50,554,438 | 3.4 |
| Jul 31, 2026 | 190,758,849 | +2.6% | 88,240,121 | 2.2 |
| Jul 15, 2026 | 185,956,377 | -1.1% | 82,778,936 | 2.3 |
| Jun 30, 2026 | 188,100,006 | -3.9% | 92,016,368 | 2.0 |
| Jun 15, 2026 | 195,788,409 | +5.2% | 75,151,773 | 2.6 |
| May 29, 2026 | 186,137,267 | +7.6% | 71,198,854 | 2.6 |
| May 15, 2026 | 173,005,236 | +7.5% | 61,634,606 | 2.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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