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SOFI | NASDAQ

$14.78 -$0.12 | -0.81%

TREND SIGNAL: Signal available — unlock to view

|2026-09-01

Next Earnings: Oct 27, 2026

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Company Overview:

Market Cap: $19.08B

Trailing PE: 30.8x

FWD PE *: 20.1x

Payout Ratio (TTM): —

52-Week Range: $13.86 - $32.73

* Forward PE is based on street estimates.

5.9 Year SOFI Performance Metrics:

Total Return (with DRIP): 41.0% (6.00% CAGR)

Total Return (no DRIP): 41.0% (6.00% CAGR)

Share Price: 41.0% (6.00% CAGR)

Yield on Cost (with DRIP): —

Total Invested: $10,000

Total Value (with DRIP): $14,103

Total Return $ (with DRIP): $4,103

SOFI Total Return

1M 3M 6M YTD 1Y 3Y 5Y 10Y

SOFI Price Chart

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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Combined 55% Lifetime Discount

SOFI Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

SOFI - Revenue

SOFI Revenue CAGR:1Y: 42.54%2Y: 42.68%5Y: 39.43%10Y: 0.00%

SOFI - Earnings Per Share (EPS)

SOFI EPS CAGR:1Y: 45.45%2Y: 300.00%5Y: 0.00%10Y: 0.00%

SOFI - Net Income

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SOFI Net Income CAGR:1Y: 61.00%2Y: 199.96%5Y: 0.00%10Y: 0.00%

SOFI - EBITDA

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SOFI EBITDA CAGR:1Y: 20.94%2Y: 77.34%5Y: 0.00%10Y: 0.00%

SOFI - Free Cash Flow

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SOFI Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

SOFI - Free Cash Flow / Share

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SOFI Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

SOFI - Operating Income

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SOFI Operating Income CAGR:1Y: 82.11%2Y: 264.95%5Y: 0.00%10Y: 0.00%

SOFI - Gross Profit

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SOFI Gross Profit CAGR:1Y: 42.61%2Y: 43.27%5Y: 39.17%10Y: 0.00%

SOFI - Shares Outstanding

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SOFI Shares Outstanding CAGR:1Y: 14.17%2Y: 12.66%5Y: 29.94%10Y: 0.00%

SOFI - Share Buybacks

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SOFI Share Buybacks CAGR:1Y: 0.00%2Y: -98.13%5Y: -76.26%10Y: 0.00%

SOFI - Stock-Based Comp

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SOFI Stock-Based Comp CAGR:1Y: 21.51%2Y: 12.20%5Y: 8.07%10Y: 0.00%

SOFI - Expenses

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SOFI Expenses CAGR:1Y: -98.38%2Y: -83.56%5Y: -43.99%10Y: 0.00%

SOFI - Revenue vs Net Income

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SOFI - EPS vs FCF / Share

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SOFI - EPS vs PE Ratio

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SOFI - FCF vs FCF / Share

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SOFI - FCF vs Stock Based Comp

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SOFI - Cash & Debt

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SOFI - Revenue by Segment

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SOFI Revenue CAGR:1Y: 42.54%2Y: 42.68%5Y: 39.43%10Y: 0.00%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SOFI - REVENUE: Actual + Estimates

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SOFI Actual Revenue CAGR:1Y: 42.54%2Y: 42.68%5Y: 39.43%10Y: 0.00%

SOFI - EPS: Actual + Estimates

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SOFI Actual EPS CAGR:1Y: 45.45%2Y: 300.00%5Y: 0.00%10Y: 0.00%

SOFI - NET INCOME: Actual + Estimates

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SOFI Actual Net Income CAGR:1Y: 61.00%2Y: 199.96%5Y: 0.00%10Y: 0.00%

SOFI - EBITDA: Actual + Estimates

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SOFI Actual EBITDA CAGR:1Y: 20.94%2Y: 77.34%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

SOFI - Net Profit Margin

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SOFI Net Profit Margin CAGR:1Y: 12.92%2Y: 110.14%5Y: 0.00%10Y: 0.00%

SOFI - Gross Profit Margin

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SOFI Gross Profit Margin CAGR:1Y: 2.54%2Y: 6.05%5Y: -2.93%10Y: 0.00%

SOFI - Price to Earnings

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SOFI Price to Earnings CAGR:1Y: -27.88%2Y: -58.25%5Y: 0.00%10Y: 0.00%

SOFI - Price To Sales Ratio

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SOFI Price To Sales Ratio CAGR:1Y: -17.54%2Y: 36.14%5Y: -11.49%10Y: 0.00%

SOFI - Return on Capital Employed

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SOFI Return on Capital Employed CAGR:1Y: 35.32%2Y: 185.95%5Y: 0.00%10Y: 0.00%

SOFI - Return on Invested Capital

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SOFI Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Projected Future Returns & Dividends for SOFI

Based on past 5.9-year performance, here are SOFI growth metrics:

Share price CAGR of +6%
Dividend CAGR of +0%

Using SOFI CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	SOFI (DRIP)	SOFI - No DRIP
Current Price	$14.78	$14.78
Start Shares	676.59	676.59
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	676.59	676.59
Dividends Payment	$0.00	$0.00
Annual Dividends	$0	$0
Yield on cost	0.00%	0.00%
Share Price	$14.78	$14.78
Total Dividends	$0	$0
Final Value	$10,000	$10,000

Estimated Future Value + Dividends - SOFI

NOTE: Above numbers are our estimate based on SOFI's Dividend and Price CAGR over past 5.9 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Combined 55% Lifetime Discount

Company Info

SoFi Technologies, Inc. (SOFI) had its IPO on 2021-01-04, and is traded on NASDAQ stock exchange.

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

SOFI website: https://www.sofi.com

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Combined 55% Lifetime Discount

DCF Model — SOFI

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $14.78

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →