XNASSOFI
Market cap17bUSD
Dec 27, Last price
16.01USD
1D
-3.56%
1Q
101.38%
IPO
51.03%
Name
SoFi Technologies Inc
Chart & Performance
P/E
—
P/S
8.40
EPS
—
Div Yield, %
0.23%
Shrs. gr., 5y
52.08%
Rev. gr., 5y
50.32%
Revenues
2.07b
+31.41%
Net income
-301m
L-6.14%
CFO
-7.23b
L-0.38%
Earnings
Jan 27, 2025
Profile
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | |
| Income | |||||||
Revenues | 2,067,844 31.41% | 1,573,535 59.77% | 984,872 74.15% | ||||
Cost of revenue | 1,996,799 | 2,395,278 | 1,836,131 | ||||
Unusual Expense (Income) | |||||||
NOPBT | 71,045 | (821,743) | (851,259) | ||||
NOPBT Margin | 3.44% | ||||||
Operating Taxes | (416) | 1,686 | 2,760 | ||||
Tax Rate | |||||||
NOPAT | 71,461 | (823,429) | (854,019) | ||||
Net income | (300,742) -6.14% | (320,407) -33.79% | (483,937) 115.99% | ||||
Dividends | (40,425) | (40,425) | (323,285) | ||||
Dividend yield | 0.43% | 0.97% | 3.88% | ||||
Proceeds from repurchase of equity | (15,300) | (37,815) | 5,915 | ||||
BB yield | 0.16% | 0.91% | -0.07% | ||||
| Debt | |||||||
Debt current | 486,000 | 497,810 | |||||
Long-term debt | 5,484,454 | 5,738,446 | 4,319,253 | ||||
Deferred revenue | 5,718 | 10,028 | 2,553 | ||||
Other long-term liabilities | 19,024,912 | 7,674,243 | (4,340) | ||||
Net debt | 972,644 | 4,009,001 | 3,538,111 | ||||
| Cash flow | |||||||
Cash from operating activities | (7,227,139) | (7,255,044) | (1,350,217) | ||||
CAPEX | (111,409) | (103,733) | (52,261) | ||||
Cash from investing activities | (1,889,864) | (106,333) | 110,193 | ||||
Cash from financing activities | 10,885,602 | 8,439,485 | 684,987 | ||||
FCF | 358,175 | (1,241,641) | (832,439) | ||||
| Balance | |||||||
Cash | 3,786,955 | 1,818,676 | 689,618 | ||||
Long term investments | 724,855 | 396,769 | 589,334 | ||||
Excess cash | 4,408,418 | 2,136,768 | 1,229,708 | ||||
Stockholders' equity | (1,485,001) | 2,500,138 | 2,551,529 | ||||
Invested Capital | 31,545,134 | 17,182,667 | 7,944,831 | ||||
ROIC | 0.29% | ||||||
ROCE | 0.24% | ||||||
| EV | |||||||
Common stock shares outstanding | 945,024 | 900,886 | 526,730 | ||||
Price | 9.95 115.84% | 4.61 -70.84% | 15.81 27.09% | ||||
Market cap | 9,402,990 126.41% | 4,153,085 -50.13% | 8,327,605 806.45% | ||||
EV | 10,696,008 | 12,173,948 | 15,601,747 | ||||
EBITDA | 272,461 | (670,383) | (749,691) | ||||
EV/EBITDA | 39.26 | ||||||
Interest | 789,327 | 189,275 | 102,776 | ||||
Interest/NOPBT | 1,111.02% | ||||||