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About the company
SoFi Technologies, Inc. is a provider of financial services. The Company, through its lending and financial services products, allows members to borrow, save, spend, invest, and protect their money. It operates through three segments: Lending, Technology Platform and Financial Services. The Lending Segment offers personal loans, student loans, home loans and related servicing. Its platform supports the full transaction lifecycle, including credit application, underwriting, approval, funding, and servicing. The Technology Platform segment provide technology platform services through a diversified suite of offerings which include an event and authorization platform accessed via application programming interfaces, a cloud-native digital and core banking platform and services related to both platforms. The Financial Services segment include SoFi Money, SoFi Invest, and other services, including SoFi Credit Card, Lantern Credit, SoFi Relay, SoFi Protect, and SoFi Travel.
- Revenue in USD (TTM)2.55bn
- Net income in USD-153.23m
- Incorporated2021
- Employees4.40k
- LocationSoFi Technologies Inc234 1st StreetSAN FRANCISCO 94105United StatesUSA
- Fax+1 (302) 636-5454
- Websitehttps://www.sofi.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Navient Corp | 1.06bn | 160.00m | 1.74bn | 4.50k | 11.56 | 0.6295 | 31.01 | 1.64 | 1.37 | 1.37 | 9.13 | 25.21 | 0.0173 | -- | 11.62 | 234,888.90 | 0.2618 | 0.624 | 0.2856 | 0.6827 | 106.24 | 109.67 | 15.14 | 32.92 | -- | -- | 0.9506 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| Enova International Inc | 1.36bn | 178.39m | 2.24bn | 1.68k | 14.18 | 1.96 | 10.31 | 1.65 | 5.99 | 5.99 | 45.27 | 43.31 | 0.3119 | -- | 0.3815 | 812,360.60 | 4.09 | 8.69 | 4.37 | 9.24 | -- | -- | 13.11 | 21.91 | -- | 2.05 | 0.7357 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Bread Financial Holdings Inc | 4.79bn | 485.00m | 2.61bn | 7.00k | 5.40 | 0.8226 | 4.51 | 0.544 | 9.71 | 9.63 | 96.11 | 63.78 | 0.219 | -- | 0.3058 | 684,428.60 | 2.22 | 1.98 | 5.48 | 4.41 | 92.57 | 90.67 | 10.12 | 11.43 | -- | 1.65 | 0.8485 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Upstart Holdings Inc | 530.29m | -201.78m | 3.56bn | 1.39k | -- | 5.95 | -- | 6.71 | -2.33 | -2.33 | 6.14 | 6.68 | 0.2959 | -- | 12.32 | 382,055.50 | -11.26 | -3.57 | -12.99 | -4.49 | 71.50 | 80.07 | -38.05 | -8.18 | -- | -45.54 | 0.6055 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| Nelnet Inc | 2.09bn | 152.17m | 4.09bn | 7.55k | 27.34 | 1.24 | 16.15 | 1.95 | 4.13 | 4.13 | 56.59 | 90.87 | 0.1297 | -- | 14.18 | 277,435.50 | 0.7846 | 1.23 | 0.8444 | 1.27 | 51.83 | 63.11 | 6.05 | 15.40 | -- | 3.90 | 0.7646 | 12.60 | 6.58 | 4.35 | -77.57 | -16.83 | -9.94 | 9.94 |
| SLM Corp | 2.63bn | 721.08m | 4.80bn | 1.74k | 6.86 | 2.36 | 5.97 | 2.49 | 3.22 | 3.22 | 8.55 | 10.50 | -- | -- | -- | -- | 2.62 | 2.46 | -- | -- | -- | -- | 38.39 | 40.14 | -- | -- | -- | 10.30 | 27.60 | 6.02 | 22.54 | 6.69 | -- | -- |
| Firstcash Holdings Inc | 3.31bn | 237.17m | 5.34bn | 19.00k | 22.47 | 2.65 | 15.48 | 1.61 | 5.22 | 5.22 | 72.82 | 44.21 | 0.7983 | 5.86 | 48.80 | 173,990.40 | 5.73 | 5.52 | 6.20 | 6.03 | 48.32 | 50.75 | 7.17 | 7.85 | 3.04 | 4.21 | 0.4592 | 28.01 | 15.50 | 12.09 | -13.49 | 7.65 | 11.01 | 8.37 |
| Credit Acceptance Corp. | 2.02bn | 181.60m | 5.49bn | 2.23k | 32.46 | 3.53 | 26.23 | 2.72 | 13.97 | 13.97 | 158.76 | 128.39 | 0.2608 | -- | 75.24 | 903,405.00 | 2.35 | 7.98 | 2.45 | 9.14 | -- | -- | 9.01 | 32.66 | -- | 1.78 | 0.7927 | 0.00 | 3.79 | 8.14 | -46.60 | -13.00 | -30.74 | -- |
| Mr Cooper Group Inc | 2.13bn | 706.00m | 5.85bn | 6.80k | 8.57 | 1.27 | 7.88 | 2.75 | 10.58 | 10.58 | 31.86 | 71.22 | 0.1469 | -- | -- | 312,500.00 | 4.88 | 4.06 | 5.68 | 5.35 | -- | -- | 33.22 | 28.31 | -- | -- | 0.6829 | 0.00 | -27.19 | 0.0447 | -45.83 | -13.46 | -1.12 | -- |
| OneMain Holdings Inc | 5.49bn | 585.00m | 5.91bn | 9.10k | 10.10 | 1.86 | 6.93 | 1.08 | 4.86 | 4.86 | 45.58 | 26.33 | 0.2257 | -- | 391.79 | 602,747.30 | 2.41 | 3.94 | 2.41 | 3.97 | 79.74 | 80.68 | 10.67 | 17.59 | -- | -- | 0.8677 | 78.40 | 4.09 | 4.56 | -26.49 | 7.48 | -- | -- |
| SoFi Technologies Inc | 2.55bn | -153.23m | 8.58bn | 4.40k | -- | 1.45 | 168.60 | 3.58 | -0.1696 | -0.1696 | 2.38 | 5.54 | -- | -- | -- | -- | -0.3894 | -- | -- | -- | -- | -- | -4.73 | -27.57 | -- | -- | -- | -- | 165.21 | 28.32 | 5.45 | -- | 54.58 | -- |
| Ally Financial Inc | 14.34bn | 714.00m | 10.51bn | 11.10k | 14.86 | 0.9113 | 5.32 | 1.19 | 2.32 | 2.32 | 28.72 | 45.46 | -- | -- | -- | -- | 0.4228 | 0.9312 | -- | -- | -- | -- | 9.33 | 20.44 | -- | -- | -- | 19.77 | 31.42 | 9.05 | -43.18 | -5.96 | -5.75 | 16.47 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 30 Jun 2024 | 88.50m | 8.30% |
| BlackRock Fund Advisorsas of 30 Jun 2024 | 41.35m | 3.88% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 17.75m | 1.67% |
| Geode Capital Management LLCas of 30 Jun 2024 | 17.26m | 1.62% |
| ARK Investment Management LLCas of 30 Jun 2024 | 14.54m | 1.36% |
| Norges Bank Investment Managementas of 30 Jun 2024 | 13.95m | 1.31% |
| Morgan Stanley & Co. LLCas of 30 Jun 2024 | 12.33m | 1.16% |
| Nikko Asset Management Americas, Inc.as of 30 Jun 2024 | 11.46m | 1.08% |
| Dimensional Fund Advisors LPas of 30 Jun 2024 | 11.15m | 1.05% |
| Jane Street Capital LLCas of 30 Jun 2024 | 9.09m | 0.85% |
