SoFi Technologies (SOFI)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from SOFI's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from SoFi Technologies's 10-K filings. The deep dive has 15+ years, quarters and every line.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $985M | $1.6B | $2.1B | $2.7B | $3.6B |
| Net income | -$484M | -$320M | -$301M | $499M | $481M |
| Free cash flow | -$1.4B | -$7.3B | -$7.3B | -$1.3B | -$4.0B |
| EPS (diluted) | -$1.00 | -$0.40 | -$0.36 | $0.39 | $0.39 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by segments, fiscal 2025.
Superinvestors who own SOFI
From each investor's latest 13F filing (what a 13F shows). 2 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
Trimmed | $10M | 0.00% | Q2 2026 |
| Joel Greenblatt Gotham Asset Management |
Held | $292,618 | 0.00% | Q2 2026 |
Insider buying
Open-market purchases by SoFi Technologies's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Mar 17, 2026 | Anthony Noto |
28,900 | $17.32 | $500,548 |
| Feb 6, 2026 | Robert S Lavet |
5,000 | $21.04 | $105,200 |
| Feb 5, 2026 | Eric Schuppenhauer |
5,000 | $19.93 | $99,650 |
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In the full deep dive
Questions
Are SoFi Technologies insiders buying the stock?
3 open-market insider purchases of SOFI in the last 12 months, from SEC Form 4 filings.
Which superinvestors own SoFi Technologies?
2 of the superinvestors Investingly tracks hold SOFI in their latest 13F, including Cliff Asness, Joel Greenblatt.
Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.