SoFi Technologies, traded on the NASDAQ under the symbol SOFI, is a prominent player in the financial technology sector. The company is known for its innovative lending solutions and has been making significant strides in expanding its customer base. SoFi's competitors include other fintech companies like LendingClub and Upstart, but it continues to stand out due to its strong growth and performance.
On October 28, 2025, SoFi reported earnings per share of $0.11, surpassing the estimated $0.09. The company also reported revenue of approximately $949.6 million, exceeding the estimated $895 million. This strong financial performance is a testament to SoFi's successful expansion efforts and the growing demand for its services, as highlighted by Reuters.
SoFi has raised its full-year profit outlook for 2025, driven by a significant increase in its membership base. The company anticipates attracting more customers and achieving higher profits than initially expected. This positive adjustment in their financial forecast reflects the company's robust position in the market, as highlighted by Market Watch.
Despite a price-to-earnings (P/E) ratio of 58.90, indicating that investors are willing to pay about $58.90 for every dollar of earnings, SoFi's stock is experiencing significant growth. The company's price-to-sales ratio stands at 8.63, suggesting that investors are paying $8.63 for every dollar of sales. However, the current ratio is 0.15, indicating potential liquidity challenges.
SoFi's enterprise value to sales ratio is 9.09, reflecting the company's total valuation relative to its sales. The enterprise value to operating cash flow ratio is -13.42, indicating a negative cash flow situation. Despite these challenges, the company's debt-to-equity ratio is 0.59, showing a moderate level of debt compared to its equity.
