SoFi Technologies +

SoFi Technologies

Company

Ticker

SOFI

AXP

Headquarter

San Francisco ,CA

Purchase ,NY

San Francisco ,CA

New York City ,NY

CEO

Anthony J. Noto

Michael Miebach

Ryan McInerney

Stephen Joseph Squeri

Industry

Financial - Credit Services

Stock Price

Market Cap

$28.86 B

$484.28 B

$631.25 B

$241.95 B

Employees

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Employees

4.20 K
4.40 K
5.00 K

29.90 K
33.40 K
35.30 K

28.80 K
31.60 K
34.10 K

77.30 K
74.60 K
75.10 K

Y/Y

68%

4.76%

13.64%

24.58%

11.71%

5.69%

8.68%

9.72%

7.91%

20.78%

3.49%

0.67%

Income Statement

Revenue

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Revenue

$1.76 B
$2.90 B
$3.70 B

$22.24 B
$25.10 B
$28.17 B

$32.65 B
$35.93 B
$40.00 B

$55.63 B
$67.36 B
$74.20 B

Y/Y

62.08%

64.37%

27.82%

17.76%

12.87%

12.23%

11.41%

10.02%

11.34%

25.2%

21.1%

10.15%

Revenue by Products / Services

Years

2024

2024

2025

2024

Revenue by Geography

Years

2024

2024

2025

2024

Research and Development

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Research and Development

Y/Y

Operating Income

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Operating Income

-$318.72 M
-$301.16 M
$233.35 M

$12.26 B
$14.01 B
$15.58 B

$21.00 B
$23.60 B
$26.56 B

$9.59 B
$10.51 B
$12.90 B

Y/Y

33.76%

5.51%

177.48%

21.64%

14.22%

11.24%

11.62%

12.36%

12.55%

10.33%

9.68%

22.66%

Tax Rate (%)

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Tax Rate (%)

-0.53%
0.14%
-113.70%

15.36%
17.92%
15.60%

17.89%
17.45%
17.10%

21.61%
20.35%
21.45%

Y/Y

7.78%

126.11%

82413.78%

2.28%

16.66%

12.93%

2.07%

2.48%

2.03%

12.15%

5.83%

5.43%

Net Income

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Net Income

-$320.41 M
-$300.74 M
$498.67 M

$9.93 B
$11.20 B
$12.87 B

$17.27 B
$19.74 B
$20.06 B

$7.51 B
$8.37 B
$10.13 B

Y/Y

33.79%

6.14%

265.81%

14.31%

12.74%

15%

15.48%

14.3%

1.6%

6.77%

11.45%

20.96%

Revenue Per Employee

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Revenue Per Employee

$689.89 K
$841.75 K
-

$839.40 K
$843.32 K
-

$1.13 M
$1.14 M
$1.17 M

$871.46 K
$994.65 K
-

Y/Y

2.16%

22.01%

100%

9.41%

0.47%

100%

2.51%

0.27%

3.18%

0.27%

14.14%

100%

Net Income Per Employee

Years

2023
2024
2025

2023
2024
2025

2023
2024
2025

2023
2024
2025

Net Income Per Employee

-$71.61 K
$113.33 K
-

$374.41 K
$385.45 K
-

$599.76 K
$624.78 K
$588.21 K

$108.33 K
$135.78 K
-

Y/Y

44.13%

258.27%

100%

9.51%

2.95%

100%

6.26%

4.17%

5.85%

7.73%

25.34%

100%

Assets & Liabilities | Cash Flow

Total Assets

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Total Assets

$19.01 B
$30.07 B
$36.25 B

$38.72 B
$42.45 B
$48.08 B

$90.50 B
$94.51 B
$99.63 B

$228.35 B
$261.11 B
$271.46 B

Y/Y

107.14%

58.22%

20.54%

2.8%

9.62%

13.27%

5.85%

4.43%

5.41%

21.11%

14.34%

3.97%

Total Liabilities

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Total Liabilities

$13.48 B
$24.52 B
$29.73 B

$32.35 B
$35.45 B
$41.57 B

$51.77 B
$55.37 B
$61.72 B

$203.64 B
$233.05 B
$241.20 B

Y/Y

200.97%

81.91%

21.23%

6.91%

9.6%

17.25%

3.7%

6.97%

11.46%

22.4%

14.44%

3.5%

Capital Expenditures (Capex)

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Capital Expenditures (Capex)

-$103.73 M
-$121.19 M
-$163.62 M

-$1.10 B
-$371.00 M
-$474.00 M

-$1.06 B
-$1.26 B
-$1.48 B

-$1.86 B
-$1.56 B
-$1.91 B

Y/Y

98.49%

16.83%

35.01%

34.77%

66.18%

27.76%

9.18%

18.7%

17.9%

19.68%

15.74%

22.26%

Profitability

Operating Income Margin (%)

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Operating Income Margin (%)

-18.08%
-10.39%
6.30%

55.81%
55.32%
0.00%

64.31%
65.68%
59.99%

17.23%
15.61%
17.38%

Y/Y

59.13%

42.51%

160.62%

1.2%

0.88%

100%

0.2%

2.12%

8.67%

28.38%

9.43%

11.36%

Net Income Margin (%)

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Net Income Margin (%)

-18.18%
-10.38%
13.46%

44.61%
45.71%
0.00%

52.90%
54.95%
50.15%

13.51%
12.43%
13.65%

Y/Y

59.15%

42.9%

229.72%

0.11%

2.47%

100%

3.66%

3.89%

8.75%

25.54%

7.98%

9.81%

EBITDA

2021	-379609000.00
2022	-167361000.00
2023	-99742000.00
2024	436843000.00

2021	11464000000.00
2022	12953000000.00
2023	15013000000.00
2024	16797000000.00

2022	19535000000.00
2023	22624000000.00
2024	25591000000.00
2025	26003000000.00

2021	12384000000.00
2022	11211000000.00
2023	12164000000.00
2024	14571000000.00

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

EBITDA

-$167.36 M
-$99.74 M
$436.84 M

$12.95 B
$15.01 B
$16.80 B

$22.62 B
$25.59 B
$26.00 B

$11.21 B
$12.16 B
$14.57 B

Y/Y

55.91%

40.4%

537.97%

12.99%

15.9%

11.88%

15.81%

13.11%

1.61%

9.47%

8.5%

19.79%

Free Cash Flow (FCF)

2021	-1402478000.00
2022	-7359591000.00
2023	-7348331000.00
2024	-1283424000.00

2021	8649000000.00
2022	10098000000.00
2023	11609000000.00
2024	14306000000.00

2022	17879000000.00
2023	19696000000.00
2024	18693000000.00
2025	21577000000.00

2021	13095000000.00
2022	19224000000.00
2023	16996000000.00
2024	12139000000.00

Years

2022
2023
2024

2022
2023
2024

2023
2024
2025

2022
2023
2024

Free Cash Flow (FCF)

-$7.36 B
-$7.35 B
-$1.28 B

$10.10 B
$11.61 B
$14.31 B

$19.70 B
$18.69 B
$21.58 B

$19.22 B
$17.00 B
$12.14 B

Y/Y

424.76%

0.15%

82.53%

16.75%

14.96%

23.23%

10.16%

5.09%

15.43%

46.8%

11.59%

28.58%

Ratios

Return on Equity (ROE)

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Return on Equity (ROE)

-5.80%
-5.41%
7.64%

161.57%
198.52%
0.00%

44.60%
50.45%
52.91%

30.41%
29.85%
33.47%

Y/Y

43.74%

6.59%

241.16%

2.47%

22.87%

100%

6.09%

13.12%

4.89%

16.33%

1.85%

12.14%

Return on Assets (ROA)

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Return on Assets (ROA)

-1.69%
-1.00%
1.38%

26.37%
26.78%
0.00%

19.09%
20.89%
20.13%

3.29%
3.21%
3.73%

Y/Y

68.04%

40.68%

237.56%

2.85%

1.53%

100%

9.11%

9.45%

3.62%

23.03%

2.53%

16.34%

Debt to Equity

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Debt to Equity

101.92%
96.54%
49.11%

226.31%
281.05%
0.00%

54.17%
53.24%
66.40%

177.74%
175.21%
168.81%

Y/Y

14.14%

5.28%

49.13%

1.64%

24.19%

100%

14.15%

1.72%

24.72%

3.67%

1.42%

3.65%

Valuation

Enterprise Value

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Enterprise value

$8.37 B
$11.68 B
$16.84 B

$409.72 B
$496.86 B
$0.00

$484.27 B
$566.73 B
$666.24 B

$121.34 B
$140.32 B
$222.15 B

Y/Y

30.45%

39.63%

44.16%

19.24%

21.27%

100%

25.39%

17.03%

17.56%

18.27%

15.64%

58.31%

Enterprise value to Revenue

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Enterprise value to Revenue

4.75
4.03
4.55

16.32
17.64
0.00

14.83
15.78
16.66

2.18
2.08
2.99

Y/Y

57.09%

15.05%

12.79%

5.64%

8.06%

100%

12.55%

6.37%

5.58%

34.72%

4.51%

43.72%

Enterprise value to EBITDA

Years

2022
2023
2024

2023
2024
2025

2023
2024
2025

2022
2023
2024

Enterprise value to EBITDA

-49.99
-117.11
38.55

27.29
29.58
0.00

21.40
22.15
25.62

10.82
11.54
15.25

Y/Y

57.76%

134.29%

132.92%

2.88%

8.39%

100%

8.27%

3.46%

15.69%

9.72%

6.58%

32.16%

SoFi Technologies Competitors & Alternatives

Income Statement

Assets & Liabilities | Cash Flow

Profitability

Ratios

Valuation

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