SoFi (SOFI)
Combines consumer financial services, a national bank and infrastructure for other financial institutions.
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Offers lending, banking, investing and related financial services to consumers while providing payments and core-banking technology to institutions. Its three-segment model combines direct member distribution, a federally supervised bank balance sheet and third-party infrastructure.
Organizes its business into Lending, Financial Services and Technology Platform. Consumer offerings span student-loan refinancing, personal loans, mortgages, banking and investing, while Galileo and Technisys provide payments APIs and core-banking technology to other institutions.
The operating model connects direct member distribution with a nationally chartered bank and third-party financial infrastructure. Its US-centered workforce also supports international operations, and the combined platform grew through product launches and acquisitions beyond the original education-finance business.
Deposit-taking and lending sit within federal bank supervision, including capital, risk-management, fair-treatment and community-reinvestment requirements. Securities and lending activities also depend on advertising, compensation and supervisory controls.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 8, 2026 | Loop Capital Markets | Initiate | Rating: —Target: — | Target: $22 |
| Sep 2, 2026 | Scotiabank | Initiate | Rating: —Target: — | Target: $25 |
| Aug 17, 2026 | Piper Sandler | Initiate | Rating: —Target: $7.50 | Target: $22 |
| Aug 12, 2026 | Truist Financial | Target | Target: $18 | Target: $19 |
| Jul 30, 2026 | Wells Fargo | Reiterate | Rating: —Target: $18 | Target: $17 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $7.35B · Total debt $3.41B · Total assets $60.95B · Shareholders' equity $11.08B
- Revenue
- $1.57B
- Operating income
- $204.3M
- Net income
- $156.6M
No dividends on record.
| Institutions | 51.14% | 660.57M shares | |
|---|---|---|---|
| 1,027 holders · as of Jun 30, 2026 | |||
| Insiders | 1.37% | 17.69M shares | |
| 16 holders · as of Sep 16, 2026 | |||
| Other | 47.49% | 613.30M shares | |
| remainder | |||
1.29B company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 5.61% | 72.44M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.49% | 57.93M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 3.93% | 50.74M | as of Jun 30, 2026 |
Goldman Sachs Group IncInstitution | 2.73% | 35.21M | as of Jun 30, 2026 |
UBS Group AGInstitution | 2.72% | 35.17M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 20, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −11,286 | $18.00 |
| Jul 20, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −10,954 | $17.19 |
| Jun 22, 2026 | Kelli Keough | officer: EVP, GBUL, SIPS | −10,954 | $17.35 |
| Jun 18, 2026 | Robert S. Lavet | officer: General Counsel | −1,188 | $17.55 |
| Jun 17, 2026 | Jeremy Rishel | officer: Chief Technology Officer | −102,123 | $17.78 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| SoFi | $17.62 | +3.80% | $21.77B | 35.4 | 24.1 | 3.9 | +41.0% |
| Capital One | $205.51 | +0.29% | $125.72B | 12.7 | 9.5 | 1.6 | +26.0% |
| Happen | $16.42 | +1.36% | $1.87B | 9.8 | 8.4 | 1.4 | −20.7% |
| Robinhood Markets | $125.03 | +1.40% | $110.86B | 54.3 | 51.4 | 22.5 | +32.3% |
| Rocket Companies | $12.69 | +2.67% | $34.90B | 84.7 | 17.8 | 3.6 | +113.7% |
| Fiserv | $46.70 | +0.49% | $24.78B | 8.9 | 6.4 | 1.2 | −10.0% |
| FIS | $35.43 | +0.68% | $18.19B | 5.4 | 5.5 | 1.5 | +29.1% |
| Marqeta | $15.91 | +2.02% | $1.52B | 160.4 | 43.4 | 2.3 | +17.0% |
| Median | 12.7 | 9.5 | 1.6 | +26.0% |