SoFi Technologies, Inc.
SOFINasdaqFinancials · Finance Services · DE · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $619.4M | $503.1M | $421.5M | $377.1M | $247.7M | $103.3M |
| Operating income | — | — | — | — | — | −$663,611 |
| Net income | $481.3M | $498.7M | −$300.7M | −$320.4M | −$483.9M | −$224.1M |
| Total assets | $50.66B | $36.25B | $30.07B | $19.01B | $9.18B | $8.56B |
| Total liabilities | $40.17B | $29.73B | $24.52B | $13.48B | $4.48B | $5.51B |
| Equity | $10.49B | $6.53B | $5.23B | $5.21B | $4.38B | −$120.1M |
| EPS (diluted) | $0.39 | $0.39 | $-0.36 | $-0.40 | $-1.00 | $-4.30 |
| Shares out. | 1.10B | 976.7M | 934.6M | 828.6M | 828.2M | 115.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 77.7%
- Return on equity
- 4.6%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 79.3%
- Debt / equity
- 3.83×
- Book value / share
- $9.57
- Revenue growth (YoY)
- 23.1%
- Net income growth (YoY)
- −3.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 8.3%moderate
- Piotroski F-Score
- 2/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 2 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Revenue is growing year-over-year
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 18, 2021
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 30, 2026
- Blackrock, Inc.Passive (13G)Apr 27, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Jpmorgan Chase & CoPassive (13G)Feb 4, 2026
- Jane Street Group, LlcPassive (13G)Nov 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 173.0M | 2.8 | +7.5% |
| Apr 30, 2026 | 160.9M | 2.2 | +1.7% |
| Apr 15, 2026 | 158.2M | 3.1 | -4.2% |
| Mar 31, 2026 | 165.3M | 2.3 | +18.3% |
| Mar 13, 2026 | 139.7M | 2.1 | +8.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operationsApr 29, 2026
- Results of operationsJan 30, 2026
- Director / officer changeJan 9, 2026
- Other material eventJan 5, 2026
- Other material eventDec 8, 2025
- Other material eventDec 5, 2025
- Director / officer changeDec 4, 2025
- Regulation FD disclosureNov 13, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.