Also trades as: SOFIW (NASDAQ) · $vol 3M

$16.40

+1.94 (+13.42%)

Weekly Expected Move ±6.0%

$13 $14 $15 $15 $16

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Neutral · Power 42 · $21.2B mcap · 1.27B float · 4.69% daily turnover · Short 45% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $52.0M held by 39 funds → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$4.8B +28.8% ▲

5Y CAGR: +44.7%

Gross Profit

$3.3B +27.0% ▲

5Y CAGR: +42.1%

Operating Income

$1.7B +620.9% ▲

Net Income

$481M -3.5% ▼

EPS (Diluted)

$0.39 +0.0% ▲

EBITDA

$1.9B +338.7% ▲

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.1B	$1.8B	$2.9B	$3.7B	$4.8B
YoY Growth	+44.8%	+62.1%	+64.4%	+27.8%	+28.8%
Cost of Revenue	$110M	$244M	$844M	$1.1B	$1.5B
Gross Profit	$977M	$1.5B	$2.1B	$2.6B	$3.3B
Gross Margin	89.9%	86.2%	70.9%	69.7%	68.7%
R&D Expenses	$0	$0	$0	$0	$648M
SG&A Expenses	$925M	$1.1B	$1.2B	$1.4B	$1.8B
Operating Expenses	$1.5B	$1.8B	$2.4B	$2.3B	$1.6B
Operating Income	-$481M	-$319M	-$301M	$233M	$1.7B
Operating Margin	-44.2%	-18.1%	-10.4%	6.3%	35.3%
Interest Expense	$103M	$189M	$789M	$1.1B	$1.2B
Income Before Tax	-$481M	-$319M	-$301M	$233M	$526M
Tax Expense	$3M	$2M	-$416K	-$265M	$45M
Net Income	-$484M	-$320M	-$301M	$499M	$481M
Net Margin	-44.5%	-18.2%	-10.4%	13.5%	10.1%
EPS (Diluted)	$-1.00	$-0.40	$-0.36	$0.39	$0.39
EBITDA	-$380M	-$167M	-$100M	$437M	$1.9B
Shares Outstanding	527M	901M	945M	1.10B	1.25B

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$1.0B	$1.0B	$1.1B	$1.3B	$1.3B	$1.4B	$1.6B	$1.8B
Cost of Revenue	$281M	$271M	$285M	$316M	$316M	$317M	$366M	$428M
Gross Profit	$727M	$766M	$845M	$952M	$1.0B	$1.1B	$1.2B	$1.4B
Gross Margin	72.2%	73.9%	74.8%	75.1%	76.4%	77.5%	76.7%	76.2%
R&D Expenses	$0	$0	$0	$90M	$0	$188M	$191M	$0
SG&A Expenses	$390M	$395M	$430M	$475M	$500M	$533M	$609M	$843M
Operating Expenses	$667M	$686M	$733M	$804M	$834M	$892M	$1.0B	$1.1B
Operating Income	$60M	$80M	$112M	$149M	$185M	$200M	$204M	$318M
Operating Margin	5.9%	7.7%	9.9%	11.7%	13.9%	14.2%	13.0%	17.7%
Interest Expense	$274M	$265M	$275M	$306M	$310M	$308M	$352M	$414M
Income Before Tax	$60M	$80M	$112M	$149M	$185M	$200M	$204M	$318M
Tax Expense	-$273M	$9M	$15M	$9M	$12M	$33M	$48M	$77M
Net Income	$332M	$71M	$97M	$139M	$174M	$167M	$157M	$241M
Net Margin	33.0%	6.9%	8.6%	11.0%	13.0%	11.8%	10.0%	13.4%
EPS (Diluted)	$0.30	$0.06	$0.08	$0.11	$0.13	$0.12	$0.12	$0.18
EBITDA	$113M	$135M	$169M	$514M	$248M	$267M	$277M	$732M
Shares Outstanding	1.15B	1.19B	1.18B	1.29B	1.35B	1.38B	1.35B	1.36B

SOFI NASDAQ