SoFi Technologies, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
SOFI on Nasdaq
Location
San Francisco, CA
Fiscal year end
31 December
Latest financial report
17 Feb 2026

Latest SEC snapshot (2026-01-30) highlights Return On Equity 5.7%, Return On Assets 1.1%, and Operating Margin 18.2%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

53.7/100

Caution Confidence high

Return On Equity

5.7%

Metric score 0.0/100

Return On Assets

1.1%

Metric score 0.0/100

Financial Health

Current Ratio
1.18x
Quick Ratio
0.55x
Debt to Equity
0.18x

Strengths

Current Ratio, Debt-to-equity, and Revenues YoY

Watchpoints

Return On Equity, Return On Assets, and NetIncomeLoss YoY

Key metrics snapshot

Return On Equity

5.7%

YoY: -33%

Industry median: -7.3% (n=120)

View history

Return On Assets

1.1%

YoY: -26%

Industry median: -9.4% (n=120)

View history

Operating Margin

18%

YoY:

Industry median: -110% (n=58)

View history

Current Ratio

1.18x

YoY:

Industry median: 1.29x (n=83)

View history

Quick Ratio

0.55x

YoY:

Industry median: 1.33x (n=29)

View history

Debt-to-equity

0.18x

YoY: -4%

Industry median: 0.3x (n=103)

View history

Revenues YoY

23%

YoY:

Industry median: 11% (n=48)

View history

NetIncomeLoss YoY

-3.5%

YoY:

Industry median: -104% (n=105)

View history

Profitability

Metric Latest value YoY change
Return On Equity 5.7% -33%
Return On Assets 1.1% -26%
Operating Margin 18%

Financial Health

Metric Latest value YoY change
Current Ratio 1.18x
Quick Ratio 0.55x
Debt-to-equity 0.18x -4%

Growth

Metric Latest value YoY change
Revenues YoY 23%
NetIncomeLoss YoY -3.5%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 1,275,263,850 +16%
Common Stock, Shares, Outstanding 1,270,568,878 +16%
Common Stock, Value, Issued $126,000 +16%
Weighted Average Number of Shares Outstanding, Basic 1,150,140,000 +9.5%
Weighted Average Number of Shares Outstanding, Diluted 1,251,767,000 +14%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $619,353,000 +23%
Cost of Revenue $608,998,000 +32%
Research and Development Expense $648,332,000 +17%
Selling and Marketing Expense $1,095,412,000 +38%
General and Administrative Expense $704,436,000 +17%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $525,857,000 +125%
Income Tax Expense (Benefit) $44,537,000
Earnings Per Share, Basic 0.42 -8.7%
Earnings Per Share, Diluted 0.39 0%
Cash and Cash Equivalents, at Carrying Value $4,929,452,000 +94%
Operating Lease, Right-of-Use Asset $93,941,000 +16%
Intangible Assets, Net (Excluding Goodwill) $231,919,000 -22%
Goodwill $1,393,505,000 0%
Assets $50,660,478,000 +40%
Contract with Customer, Liability, Current $8,535,000 +14%
Liabilities $40,170,983,000 +35%
Accumulated Other Comprehensive Income (Loss), Net of Tax $10,979,000
Retained Earnings (Accumulated Deficit) $824,278,000 +37%
Stockholders' Equity Attributable to Parent $10,489,495,000 +61%
Liabilities and Equity $50,660,478,000 +40%
Common Stock, Shares Authorized 3,100,000,000 0%
Common Stock, Shares, Issued 1,270,568,878 +16%
Common Stock, Par or Stated Value Per Share 0
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $5,356,773,000 +98%
Deferred Tax Assets, Valuation Allowance $38,656,000 +26%
Deferred Tax Assets, Gross $425,317,000 -3.6%
Operating Lease, Liability $106,190,000 +9%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $500,664,000 +1.9%
Lessee, Operating Lease, Liability, to be Paid $126,359,000 +7.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $25,556,000 +6.2%
Lessee, Operating Lease, Liability, to be Paid, Year One $26,577,000 +4.3%
Operating Lease, Weighted Average Discount Rate, Percent 0.057 -1.7%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $20,169,000 +0.73%
Lessee, Operating Lease, Liability, to be Paid, Year Three $22,552,000 +27%
Deferred Tax Assets, Operating Loss Carryforwards $123,100,000 -36%
Unrecognized Tax Benefits $43,620,000 +20%
Lessee, Operating Lease, Liability, to be Paid, Year Four $19,370,000 +19%
Additional Paid in Capital $11,302,668,000 +44%
Deferred Tax Assets, Net of Valuation Allowance $386,661,000 -5.8%
Share-based Payment Arrangement, Expense $262,058,000 +6.5%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%