Sofi technologies, inc.SOFI.US Overview

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SOFI Financial Forecast

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Quarterly	EPS Forecast	QoQ	Max	Min
2025Q1
2025Q2
2025Q3
2025Q4
2026Q1

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SOFI Related Articles

Oct 01, 2025Industry

SOFI 是做什麼的？從貸款到投資，一文讀懂美國數位金融新霸主

SoFi Technologies, Inc.（簡稱 SoFi） 以「一站式數位金融服務」為核心，致力於透過線上平台和行動應用提供個人貸款、學生貸款再融資、房屋貸款、投資、銀行帳戶、信用卡與保險等多元金融產品和服務。

Jul 30, 2025Financial Report Analysis

SoFi (SOFI) 財報分析 25Q2 – 收入、會員人數和產品增長都創紀錄，上調業績指引

SoFi Technoligies ( SOFI )於週二 ( 7/29 ) 公布 2025 Q2 ( FY 2025 Q2 ) 財報，第 2 季收入年增 44%，來到 8.58 億美元，創下新紀錄，究竟本季度 SOFI 財報表現如何呢 ? 這篇文章將帶你深究 SOFI 財報數據！   SOFI 第二季營收 8.55 億美元，年增逾 44%，為公司立下新里程碑；而每股盈餘 0.09 美元， 2024 Q2 為 0.01美元。 SOFI 的營收主要來自兩大部分，利息收入 ( interest income ) 與非利息收入 ( noninterest income )；依照部門區分可分為貸款部門 ( lending segment )、科技產品部門收入 ( technology platform segment ) 和金融服務部門 ( finance service segment ) 收入，而三個部門中又以貸款部門為總營收最大宗： 利息收入部分以貸款利息收入為主，其營收占整個利息收入的 94%；非利息收入則以貸款發放收入和科技產品收入為主，各占比 49.8%、39.8%。 在貸款部門本季表現強勁，主要受個人貸款大幅增長帶動。2025年第二季，淨利息收入（NII）達到3.73億美元，年增33%。非利息的放貸收入為7,084萬美元，年增15%。放貸總收入為4.44億美元，年增30%。本季個人貸款發放量創新高，達69.7億美元，年增66%。學生貸款發放量為9.93億美元，年增35%。住房貸款發放量為7.99億美元，年增92%。 科技產品部門本季淨營收為1.10億美元，年增15%。其中Galileo帳戶數年增1%，Technisys持續推動創新。該部門貢獻利潤為3,320萬美元，貢獻率30%，雖然年減3個百分點，但比上一季略有提升。公司也積極拓展與美國及拉丁美洲大型金融與非金融合作夥伴的合作機會。 金融服務部門本季淨收入為3.63億美元，年增106%，主要來自淨利息收入1.93億美元（年增39%）及非利息收入1.69億美元（年增359%）。SoFi Money、SoFi Invest、SoFi Relay等產品持續推動業績成長。部門貢獻利潤為1.88億美元，年增241%，貢獻率提升至52%，連續第二季實現正貢獻。 本季度 SOFI 會員和產品都繼續強勁成長。2025年第二季，新增會員達85萬人，刷新紀錄，會員總數突破1,175萬人，年增34%。新增產品數126萬個，季度末產品總數達1,714萬個，年增34%。在金融服務部門，產品總數從去年同期的1,099萬增至1,486萬，年增35%。技術平台啟用帳戶則年增1%，達到1.6億個。 執行長 Anthony Noto 強調Q2創紀錄成長、強勁獲利，以及擴大加密貨幣策略，認為成功來自SOFI 多元平台、產品創新與強勁消費需求，預計將擴大加密貨幣投資服務，並計劃推出區塊鏈全球匯款服務，對未來成長樂觀，持續擴展產品與市場。   根據公司最新公布的財測指引，2025財年調整後收入預計約為33.75億美元，高於先前預測的32.35億至33.1億美元。全年調整後EBITDA預期約為9.6億美元，GAAP淨利約3.7億美元，EPS約0.31美元，全部優於原本預估。公司預期下半年大部分的凈營收和稅前利潤將在第四季度實現，並且第三、四季度的股票薪酬和折舊攤銷費用會略高於第二季。   根據 21 位分析師預測，SOFI 股價未來 12 個月的預測平均為 17.09 美元，最大值與最小值分別為 27 美元、6 美元，並且建議投資人持有 SOFI 股票，以 SOFI 的最新股價 22.4 美元計算，已經超越平均值 31%。   本季 SOFI 籌碼面的 AI 評分為 4 分，主因是機構籌碼稍嫌分散，需要注意股價的穩定性。 根據最新的 2025 年第一季度機構報告，SOFI 依然保持著相對中等的機構持有率，僅四成五的股份由機構持有。值得注意的是，近期機構的資金流入大於流出。 Growin 從 13F 報告中篩選出 10 家受到較多關注的大型機構數據，進一步觀察 SOFI 的持股情況。本季，僅有方舟投資針對 SOFI 進行減倉，其他知名機構如索羅斯基金、Caxton基金、文藝復興都有建倉或加倉。   下圖則是 SOFI 的本益比趨勢圖，SOFI 目前的本益比相較於過去五年是相對較高的，顯示股價呈現較大的增長，EPS 則僅小幅成長，以目前 SOFI  的本益比趨勢來看目前股價來到相對高的位階。   本季度 SOFI 再次交出亮眼成績單，營收大增43%，創歷史新高並超越市場預期；個人貸款需求強勁，推動淨利息收入達3.73億美元，年增33%，個人貸款發放量更衝上69.7億美元，再創新高；學生貸款發放量也年增35%，顯示需求回穩，公司同步上調2025全年財測，預期調整後收入達33.75億美元，展現對未來成長的信心。   好消息來啦 🎉 Growin 投資交流社群正式上線！  不論你是投資新手還是資深老手，都歡迎加入 Growin 的 Discord 投資交流頻道，與投資同好們一起交流市場趨勢、個股資訊，並獲取第一手的投資洞察！ 歡迎加入，一起在投資的道路上成長茁壯！  🚀  

SOFI FAQ

• When is SOFI's latest earnings report released?

  The most recent financial report for Sofi technologies, inc. (SOFI) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating SOFI's short-term business performance and financial health. For the latest updates on SOFI's earnings releases, visit this page regularly.

• Where does SOFI fall in the P/E River chart?

  According to historical valuation range analysis, Sofi technologies, inc. (SOFI)'s current price-to-earnings (P/E) ratio is 47.08, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

• What is the operating profit of SOFI?

  According to the latest financial report, Sofi technologies, inc. (SOFI) reported an Operating Profit of 122.23M with an Operating Margin of 14.3% this period, representing a growth of 696.79% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

• How is SOFI's revenue growth?

  In the latest financial report, Sofi technologies, inc. (SOFI) announced revenue of 854.94M, with a Year-Over-Year growth rate of 42.82%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

• How much debt does SOFI have?

  As of the end of the reporting period, Sofi technologies, inc. (SOFI) had total debt of 4.03B, with a debt ratio of 0.1. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

• How much cash does SOFI have?

  At the end of the period, Sofi technologies, inc. (SOFI) held Total Cash and Cash Equivalents of 2.71B, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

• Does SOFI go with three margins increasing?

  In the latest report, Sofi technologies, inc. (SOFI) achieved the “three margins increasing” benchmark, with a gross margin of 82.4%%, operating margin of 14.3%%, and net margin of 11.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess SOFI's profit trajectory and future growth potential.

• Is SOFI's EPS continuing to grow?

  According to the past four quarterly reports, Sofi technologies, inc. (SOFI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.09. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

• What is the FCF of SOFI?

  Sofi technologies, inc. (SOFI)'s Free Cash Flow (FCF) for the period is -1.53B, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 192.63% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

• What are the PEG ratio and PE ratio of SOFI?

  The latest valuation data shows Sofi technologies, inc. (SOFI) has a Price-To-Earnings (PE) ratio of 47.08 and a Price/Earnings-To-Growth (PEG) ratio of 1.45. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.