SoFi Technologies, Inc. (SOFI)
SoFi Technologies, Inc. brought in $4.7B of revenue over the twelve months to September 30, 2026, up 42.3% from a year earlier. Net income was $737.9M, a net margin of 15.6%. In fiscal 2025 capital spending exceeded operating cash flow by $4B. At September 30, 2026 it held $2.8B in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about SoFi Technologies, Inc.
- Net worth
- SoFi Technologies, Inc. has a market value (market cap) of $21.1B at the latest share price, and shareholders' equity of $11.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $3.6B (+35.1% year on year), with net income of $481.3M. Over the 12 months to September 30, 2026: revenue $4.7B, net income $737.9M.
- Cash flow
- In fiscal 2025 operations used $3.7B of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- SoFi Technologies, Inc.'s next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What SoFi Technologies, Inc. does
SoFi Technologies, Inc. is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NASDAQ under the ticker SOFI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $3.6B | $481.3M | $0.39 | -$4B |
| 2024 | $2.7B | $498.7M | $0.39 | -$1.3B |
| 2023 | $2.1B | -$300.7M | -$0.36 | -$7.3B |
| 2022 | $1.6B | -$320.4M | -$0.40 | -$7.3B |
| 2021 | $984.9M | -$483.9M | -$1.00 | -$1.4B |
| 2020 | $565.5M | -$224.1M | -$4.30 | -$503.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where SOFI ranks in Finance
Latest SEC filings
What SoFi Technologies, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 44% to $1.4B versus the same quarter last year; diluted EPS $0.18 versus $0.11.
- October 27, 2026
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 43% to $1.2B versus the same quarter last year; diluted EPS $0.12 versus $0.08.
- July 29, 2026
- June 18, 2026
- May 7, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 43% to $1.1B versus the same quarter last year; diluted EPS $0.12 versus $0.06.
- April 30, 2026
- April 30, 2026Additional proxy material DEFA14A
- April 30, 2026Proxy statement DEF 14A
- April 30, 2026Passive stake (5% or more) SCHEDULE 13G
Insider trades
What the people running SoFi Technologies, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $852.6K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 20, 2026 | Keough KelliEVP, GBUL, SIPS | Soldpre-planned (10b5-1) | 10,203 | $150.2K |
| September 21, 2026 | Rishel JeremyChief Technology Officer | Soldpre-planned (10b5-1) | 18,624 | $325.9K |
| September 21, 2026 | Keough KelliEVP, GBUL, SIPS | Soldpre-planned (10b5-1) | 10,203 | $173.3K |
| September 15, 2026 | Lavet Robert SGeneral Counsel | Shares withheld for tax | 14,414 | $249.1K |
| September 15, 2026 | Rishel JeremyChief Technology Officer | Shares withheld for tax | 41,750 | $721.4K |
| September 15, 2026 | Pinto ArunChief Risk Officer | Shares withheld for tax | 11,838 | $204.5K |
| September 15, 2026 | Keough KelliEVP, GBUL, SIPS | Shares withheld for tax | 66,033 | $1.1M |
| September 15, 2026 | Schuppenhauer EricEVP GBUL Borrow | Shares withheld for tax | 2,757 | $47.6K |
Who owns SOFI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Capital Management13G, passive | 5.34% | April 30, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 920 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 72,444,208 | +2,887,044 |
| Vanguard Capital Management LLC | 57,928,852 | +820,271 |
| Vanguard Portfolio Management LLC | 50,740,132 | -234,983 |
| Goldman Sachs Group Inc | 35,207,678 | +22,675,109 |
| UBS Group AG | 35,168,018 | -1,249,183 |
| State Street Corp | 28,763,660 | +1,448,463 |
| Geode Capital Management, LLC | 23,356,377 | -2,626,459 |
| Morgan Stanley | 19,521,442 | -1,737,325 |
| D. E. Shaw & Co., Inc. | 14,691,786 | -28,029,122 |
| Norges Bank | 13,630,462 | new |
| Marshall Wace, Llp | 11,697,405 | +5,177,721 |
| Millennium Management LLC | 10,493,471 | +2,235,003 |
| Susquehanna International Group, Llp | 10,236,195 | +5,466,002 |
| Dimensional Fund Advisors LP | 10,003,025 | +896,493 |
| Bank of America Corp | 9,135,967 | -1,706,381 |
| Vanguard Fiduciary Trust Co | 8,140,281 | +222,470 |
| Northern Trust Corp | 7,620,475 | +273,810 |
| Charles Schwab Investment Management Inc | 7,280,268 | +809,882 |
| Citigroup Inc | 6,283,079 | -1,213,204 |
| Bank of Montreal | 6,168,171 | -598,527 |
Insiders
14 insiders reported holding 17,694,729 shares in total, about $289.7M at the last price.
| Holder | Shares |
|---|---|
| Noto AnthonyChief Executive Officer, Director | 12,276,337 |
| Lapointe ChristopherCFO and PAO | 1,870,290 |
| Rishel JeremyChief Technology Officer | 912,650 |
| Freiberg Steven JDirector | 593,998 |
| Yesil MagdalenaDirector | 433,104433,104 held indirectly |
| Keough KelliEVP, GBUL, SIPS | 397,870 |
| Schuppenhauer EricEVP GBUL Borrow | 334,336 |
| Simcock StephenGeneral Counsel | 235,833 |
| Pinto ArunChief Risk Officer | 228,623 |
| Lavet Robert SGeneral Counsel | 127,01517,172 held indirectly |
Questions about SOFI
What does SoFi Technologies, Inc. do?
SoFi Technologies, Inc. is a company in the Finance sector, listed on NASDAQ as SOFI. Its shares trade on NASDAQ under the ticker SOFI.
What is SoFi Technologies, Inc.'s net worth?
SoFi Technologies, Inc. has a market value (market cap) of $21.1B at the latest share price, and shareholders' equity of $11.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is SoFi Technologies, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $737.9M on revenue of $4.7B, a net margin of 15.6%.
How much revenue does SoFi Technologies, Inc. make?
Over the twelve months to September 30, 2026 SoFi Technologies, Inc. reported revenue of $4.7B. That is 42.3% more than a year earlier.
When did SoFi Technologies, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is SoFi Technologies, Inc.'s next earnings report?
SoFi Technologies, Inc.'s next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values SoFi Technologies, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.