---
title: "SoFi Technologies, Inc. (SOFI.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/SOFI.US.md"
symbol: "SOFI.US"
name: "SoFi Technologies, Inc."
industry: "Consumer Finance"
datetime: "2026-05-19T17:46:07.955Z"
locales:
  - [en](https://longbridge.com/en/quote/SOFI.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/SOFI.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/SOFI.US.md)
---

# SoFi Technologies, Inc. (SOFI.US)

## Company Overview

SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and related services.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.sofi.com](https://www.sofi.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:13.000Z

**Overall: C (0.54)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 22 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 41.03% |  |
| Net Profit YoY | 22.16% |  |
| P/B Ratio | 1.85 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 20034395083.50 |  |
| Revenue | 3908427000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.60% | C |
| Profit Margin | 14.76% | A |
| Gross Margin | 84.32% | A |
| Revenue YoY | 41.03% | A |
| Net Profit YoY | 22.16% | B |
| Total Assets YoY | 42.25% | A |
| Net Assets YoY | 61.89% | A |
| Cash Flow Margin | -1053.66% | E |
| OCF YoY | 41.03% | A |
| Turnover | 0.09 | E |
| Gearing Ratio | 79.87% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - SoFi Technologies, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "41.03%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "22.16%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.85",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "20034395083.50",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3908427000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.60%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "14.76%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "84.32%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "41.03%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "22.16%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "42.25%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "61.89%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-1053.66%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "41.03%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.09",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "79.87%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 34.73 | 37/57 | 55.35 | 50.43 | 42.19 |
| PB | 1.85 | 34/57 | 4.20 | 3.60 | 2.23 |
| PS (TTM) | 5.13 | 45/57 | 10.44 | 8.60 | 6.01 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-11T04:00:00.000Z

Total Analysts: **24**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 5 | 21% |
| Overweight | 3 | 13% |
| Hold | 12 | 50% |
| Underweight | 2 | 8% |
| Sell | 2 | 8% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 15.29 |
| Highest Target | 31.00 |
| Lowest Target | 12.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/SOFI.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/SOFI.US/norm.md)
- [Related News](https://longbridge.com/en/quote/SOFI.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/SOFI.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**