SoFi Technologies, Inc. (SOFI) Fundamental Analysis
SoFi Technologies, Inc. is a financial institution whose performance is read through net interest income, fee revenue and return on equity rather than product margins. It is solidly profitable, earning a return on equity of 7%. Cash generation is currently a watch item and warrants close attention. On the latest filing several indicators are flashing caution.
Beat Index assesses SoFi Technologies, Inc. across sixteen analysis tabs, spanning revenue and income, margins, cash flow, returns, liquidity and leverage, working capital, intrinsic value, commitments, insider activity, risk, and its latest 10-Q reads strongest on revenue growth while flagging profit margins, cash generation and balance-sheet strength for closer review. Every figure is taken as-reported from SEC EDGAR filings, with no vendor adjustments.
At a glance
- PositiveGrowth: Revenue up 43% YoY
- WatchNothing flagged to watch next quarter.
- ConcernProfitability: ROE 7%
Trend matrix, last 4 quarters
| Dimension | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Growth | Revenue up 43% YoY | Revenue up 40% YoY | Revenue up 38% YoY | Revenue up 43% YoY |
| Profitability | ROE 7% | ROE 6% | ROE 9% | ROE 9% |
| Cash Generation | Negative operating cash | Negative operating cash | Negative operating cash | Negative operating cash |
| Balance Sheet | ROTCE 6% | ROTCE 5% | ROTCE 9% | ROTCE 11% |
Quarterly financials
| Metric | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Revenue | $1.10B | $1.03B | $961.6M | $854.9M | $771.8M |
| Cash & equivalents | $3.40B | $4.93B | $3.25B | $2.12B | $2.09B |
| Net income | $166.7M | $173.5M | $139.4M | $97.3M | $71.1M |
| Operating cash flow | -$2.31B | -$991.2M | -$1.31B | -$1.47B | $21.5M |
| Free cash flow | -$2.38B | -$1.06B | -$1.37B | -$1.53B | -$31.1M |
Figures in USD, as reported to the SEC. Longer history is available in the full analysis.
What's inside the full dashboard
Sixteen analysis tabs, all sourced from SEC filings, no estimates.
- Cash Flow: Free cash flow generation and operating cash flow trends.
- Intrinsic Value: Discounted cash flow (DCF) valuation and enterprise multiples.
- Liquidity & Leverage: Balance-sheet strength: assets, liabilities, debt and liquidity ratios.
- Margins: Gross, operating, and net profit margin analysis.
- Returns: Return on equity, return on assets, and return on invested capital.
- Revenue & Income: Revenue growth, composition, and year-over-year income trends.
- Working Capital: Working-capital efficiency, cash conversion and asset-turnover metrics.
- Risk: Debt levels, liquidity ratios, and financial risk indicators.
- Insider: Insider stock transactions and executive activity.
- Commitments: Operating leases, purchase commitments, and future obligations.
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Live valuation, management commentary, and peer comparison, all sourced directly from SEC filings. Free to access.