Summary
6B0 Chart
SoFi: Dilution Hammers Shares, But Accretion Is The Name Of The Game
SoFi Technologies, Inc. remains in long-term growth mode but is richly valued at a mid-70s FWD EPS multiple. A surprising $1.5 billion share offering raises substantial questions about SOFI's capital allocation despite a strong balance sheet. Q3 results were robust with net revenue up 38% YoY and tangible book value per share rising to $5.97, cash flows strong, raising questions about the need for dilution.
SoFi: A Fintech Evolution That's Paying Off
SoFi Technologies has rapidly evolved into a leading full-service digital bank, boasting $30 billion in deposits and robust profitability. SoFi's integrated platform, strong execution, and disciplined cost control drive impressive growth, with Q3 2025 revenue and EBITDA exceeding expectations. Despite rich valuation and macroeconomic risks, SoFi's self-funded model, expanding fee-based ecosystem, and operating leverage set it apart from peers.
What's Next After Sofi Stock's 117% Surge?
In the past six months, SoFi's (NASDAQ:SOFI) share price has increased by approximately 101%, indicating a significant re-rating by investors. In its latest reported quarter (Q3 2025), the company reported adjusted net revenue of around USD 950–962 million, reflecting an increase of about 38% compared to the previous year.
SoFi Technologies, Inc. (6B0) FAQ
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SoFi Technologies, Inc. Profile
| Financial Services Industry | Financials Sector | Anthony J. Noto CEO | XSTU Exchange | US83406F1021 ISIN |
| US Country | 5,000 Employees | - Last Dividend | - Last Split | 30 Nov 2020 IPO Date |
Overview
SoFi Technologies, Inc., established in 2011 and headquartered in San Francisco, California, operates as a multifaceted financial services provider across the United States, Latin America, and Canada. The company categorizes its wide range of offerings into three primary segments: Lending, Technology Platform, and Financial Services. SoFi Technologies is dedicated to offering comprehensive financial solutions that enable its members to borrow, save, spend, invest, and protect their money more effectively. With a focus on combining personal finance management with innovative technology, SoFi aims to fulfill the evolving financial needs of its customers.
Products and Services
- Personal Loans, Student Loans, Home Loans, and More:
Offers various lending solutions, including personal loans for debt consolidation or major purchases, specialized student loan options for tuition and education expenses, and home loans for new purchases or refinancing.
- Galileo Technology Platform:
A robust platform providing advanced technological services to both financial and non-financial institutions, facilitating the seamless integration and management of financial operations.
- Technisys:
Offers a cloud-native digital and core banking platform, serving financial service customers with an innovative platform for managing banking operations.
- SoFi Money:
A cash management product that combines checking and savings accounts functionalities, complete with a debit card offering.
- SoFi Invest:
A mobile-first investment platform that enables users to access a wide range of trading and advisory services, including direct investing and automated robo-advisory solutions.
- SoFi Credit Card:
Provides members with a cashback rewards credit card, rewarding every purchase with potential cashback benefits.
- SoFi Relay:
A personal finance management tool that enables users to track all their financial accounts in one place, monitor credit scores, and understand spending habits.
- SoFi Protect:
Offers a variety of insurance products designed to offer financial protection and peace of mind.
- SoFi Travel:
An application focused on managing travel plans, including search and booking capabilities for various travel needs.
- SoFi At Work:
Delivers financial benefits directly in the workplace, such as contributions to employees' student loans, positioning SoFi as a partner in both individual financial health and employee benefits.
- Lantern Credit:
A financial services marketplace platform that assists users in exploring alternative financial products and services through comprehensive comparisons and insights.
- Lending as a Service and Loan Sales:
Provides referrals of pre-qualified borrowers to third-party partners and engages in the sale of loans, facilitating broader access to SoFi's lending products across the industry.
Contact Information
