# SoFi Technologies, Inc. Common Stock (SOFI) — Stock CV

SoFi Technologies, Inc. is a $20.4B financial services company. Revenue grew 40.8% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 32.1× earnings — near the lowest of its own history.

> SoFi is a financial services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning.

## Identity

- **Ticker**: SOFI
- **Sector**: Financial Services
- **Industry**: Finance Services
- **Headquarters**: SAN FRANCISCO, CA
- **Employees**: 6 100
- **Website**: https://www.sofi.com
- **Market cap**: $20.4B
- **Last price**: $15.78
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $4.31B
- **Net income**: $636M
- **Free cash flow**: -$8.79B
- **P/E**: 32.1
- **Revenue growth (YoY)**: 40.8%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 55 |
| Growth | 50 |
| Profitability | 37 |
| Health | 28 |
| Quality | 22 |
| Moat | 25 |

## Qualifications (beginner checklist) — 4 of 10 passed

- [x] Revenue growing — +40.8% YoY
- [x] Profitable — $636M TTM
- [ ] Profit growing — -3.5% YoY
- [ ] Generates cash — -$8.79B TTM
- [x] Established company — $20.4B market cap
- [ ] Not printing shares — +137.6% shares over ~5y
- [ ] Proven track record — 2/6 profitable years
- [ ] Financially stable — Altman Z 0.3 — distress
- [ ] Pays a dividend — none
- [x] Valuation not extreme — P/E 32.1

## Experience (career milestones)

- **2025** — The company launched a stablecoin, called SoFiUSD
- **2025** — SoFi became the first nationally chartered consumer bank in the U.S
- **FY2024** — Turned profitable: $499M net income after a loss year
- **FY2024** — Best year on record: $499M net income
- **2023** — The company announced it had acquired Wyndham Capital Mortgage in an all-cash deal
- **FY2022** — Revenue crossed $1B: $1.57B for the year
- **2020** — SoFi launched its first-ever credit card
- **2020** — SoFi acquired Salt Lake City-based financial services API and payments platform "Galileo" for $1.2…
- **2019** — SoFi launched a partnership with Coinbase to offer trading of Bitcoin, Ethereum, Litecoin
- **2016** — SoFi became the first startup online lender to receive a triple-A rating from Moody's
- **2016** — SoFi launched SoFi at Work, an employee benefit program to reduce student debt and build…
- **2013** — SoFi announced a deal with Barclays and Morgan Stanley to create a bond backed by peer-to-peer…
- **2011** — Founded in 2011 by Stanford University graduates as a student loan refinancier, it operates a direct bank serving…

## Strengths

- Revenue growing 40.8% year over year

## Watch-outs

- Negative free cash flow (-$8.8B)
- Altman Z-Score 0.31 — elevated financial-distress risk
- Loss-making in 4 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $985M | -$484M | -$1.40B |
| FY2022 | $1.57B | -$320M | -$7.35B |
| FY2023 | $2.12B | -$301M | -$7.34B |
| FY2024 | $2.67B | $499M | -$1.27B |
| FY2025 | $3.61B | $481M | -$3.98B |

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Source: https://stockcv.com/SOFI — derived from company filings; may be delayed or incomplete. Information, not investment advice.