SoFi Technologies, Inc. (SOFI)

From the record

SoFi Technologies, Inc.'s filings since 2020 show 4 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2021-05-18); a warning not to rely on past financial statements (8-K item 4.02, the latest 2021-04-22); an auditor change (8-K item 4.01, the latest 2021-06-04); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2021-05-18) (its current reports).

From the record

SoFi Technologies, Inc.'s 7 filed years say what it did: revenue went from $5 million in fiscal 2019 to $619 million in fiscal 2025, up 127% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 2 of 7 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, SoFi Technologies, Inc.'s diluted share count grew about 11.6% a year, and dividends and buybacks returned about 0% of its net income over 3 years (its filed statements). Its officers and directors filed 19 sales (17 under scheduled 10b5-1 plans) and 7 purchases of their own stock on the open market in the year to 2026-11-03, buying about $2 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, SoFi Technologies, Inc. earned about 5 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 0 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 79 cents per dollar of assets, and net share issuance: its share count grew 13.7% over the year (the filed statements).

From the record

SoFi Technologies, Inc.'s standing among 114 graded names in its industry family: revenue of $619 million in fiscal 2025 ranks in the top 21% by size; a net margin of 77.7% ranks in the top 5%; revenue growth of 18% a year over the last 3 filed years ranks in the top 46% (its annual reports).

From the record

SoFi Technologies, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Noto, Anthony (Chief Executive Officer, as filed), filing under that title since 2021-06-02, 5.4 years (top 19% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 4.9 years (top 50%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 48%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

SoFi Technologies, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $4.9 billion against debt of $1.8 billion leaves 6.1% of its assets as net cash, bottom 50% of its family; cash from operations less capital spending is -643.4% of revenue (bottom 10%); a gross margin of 1.7% (bottom 14%); research spending of 104.7% of revenue (top 18%) (its annual report).

From the record

SoFi Technologies, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18% a year over the last three filed years against 127% over all 7, slowing (bottom 4% of its family); the newest year grew 23.1% (top 39%); research spending grew 17% a year (top 35%); capital spending grew 37.5% a year (top 40%) (its annual reports). SoFi Technologies, Inc. reported 3 lines of business in fiscal 2025: Lending at $1.8 billion, Financial Services at $1.5 billion, Technology Platform at $450 million. 3 of 3 grew in the latest filed year, and the largest line is 48% of revenue (its annual report).

From the record

SoFi Technologies, Inc.'s newest year against its own record: revenue of $619 million in fiscal 2025 came in 6.6% above the $581 million its prior three years' pace pointed to (top 48% of its family); net income of $481 million against a prior three-year average of $41 million (top 3%); a net margin of 77.7% against -19.1% before (top 16%) (its annual reports).