# SoFi Technologies, Inc. (SOFI)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001818874 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001818874))
- Full page: https://inspectstocks.com/stocks/sofi
- Data as of: price 2026-09-25; newest filing used 2026-08-06; latest fiscal period ended 2026-06-30

## Grade

**A** on the balance-sheet rubric used for lenders, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $636.3M |  |
| Earnings growing overall | passed | $636.3M | -$196.2M |
| Earnings growing recently | passed | $636.3M | $481.3M |
| Earns well on its assets | passed | 1.0% |  |
| Book value per share growing | passed | $8.38 | $5.78 |

Business quality (the + / − mark): 5 of 8 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 14.8% |  |
| Healthy profit margin | passed | 14.8% |  |
| Good return on equity | failed | 6.1% |  |
| Debt under control | passed | 0.01 |  |
| Turns sales into cash | failed | -204.2% |  |
| Earns a wide spread on lending | passed | 5.3% |  |
| Runs the bank efficiently | failed | 82.0% |  |
| Credit losses well covered | passed | 0.9% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $4.3B |
| Net income, trailing twelve months | $636.3M |
| Free cash flow, trailing twelve months | -$8.8B |
| Net margin | 14.8% |
| Return on equity | 6.1% |
| Debt to equity | 0.01 |
| Diluted EPS, trailing twelve months | $0.49 |
| Share price | $16.58 |
| Market value | $21.4B |
| Price / earnings | 33.8x |
| Price / sales | 5.0x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/sofi)
- [Financial statements](https://inspectstocks.com/stocks/sofi/financials)
- [Competitors](https://inspectstocks.com/stocks/sofi/peers)
- [Earnings](https://inspectstocks.com/stocks/sofi/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.