SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.
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The chart shows the growth of an initial investment of $10,000 in SoFi Technologies, Inc. Common Stock, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
SoFi Technologies, Inc. Common Stock (SOFI) has returned -40.55% so far this year and 81.35% over the past 12 months. Looking at the last ten years, SOFI has achieved an annualized return of -3.21%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of SoFi Technologies, Inc. Common Stock (SOFI) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -14.44% | -21.10% | -7.38% | -2.61% | ||||||||
| 2025 | 5.20% | -3.40% | -20.61% | 7.94% | 3.58% | 37.12% | 25.44% | 17.70% | 7.84% | 11.04% | 0.20% | -9.19% |
| 2024 | -19.36% | 13.24% | -18.80% | -7.25% | 2.99% | -5.16% | 14.24% | 5.55% | -0.38% | 41.75% | 46.39% | -6.61% |
| 2023 | 49.03% | -4.76% | -7.75% | 1.47% | 6.44% | 24.29% | 36.96% | -21.70% | -8.89% | -6.56% | -4.58% | 37.05% |
| 2022 | -22.48% | -9.71% | -20.99% | -35.37% | 22.52% | -29.69% | 19.96% | -5.58% | -16.08% | 10.12% | -25.23% | -5.14% |
| 2021 | -12.76% | -19.71% | -8.99% | 12.28% | 26.51% | -16.22% | -9.20% |
The charts below present risk-adjusted performance metrics for SoFi Technologies, Inc. Common Stock (SOFI) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of SOFI compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current SoFi Technologies, Inc. Common Stock volatility is 2.25%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B |
| Temporary Equity Attributable To Parent (USD) | - | - | 320.37M | 320.37M | 320.37M |
| Temporary Equity (USD) | - | - | 320.37M | 320.37M | 320.37M |
| Equity Attributable To Parent (USD) | 10.49B | 6.53B | 5.23B | 5.21B | 4.38B |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - |
| Equity (USD) | 10.49B | 6.53B | 5.23B | 5.21B | 4.38B |
| Long-term Debt (USD) | - | - | - | 5.49B | 3.95B |
| Noncurrent Liabilities (USD) | - | - | - | - | - |
| Current Liabilities (USD) | 40.17B | 29.73B | 24.52B | 13.48B | 4.48B |
| Liabilities (USD) | 40.17B | 29.73B | 24.52B | 13.48B | 4.48B |
| Intangible Assets (USD) | 231.92M | 297.79M | 364.05M | 442.16M | 284.58M |
| Noncurrent Assets (USD) | - | - | - | - | - |
| Current Assets (USD) | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B |
| Assets (USD) | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B |
SoFi Technologies faces allegations from short-seller Muddy Waters of inflating fair value gains through faulty accounting practices. The company has denied the claims, and CEO Anthony Noto recently purchased shares to demonstrate confidence. Despite a 51% decline from recent highs, the fintech company maintains strong growth metrics and a relatively low valuation, presenting a potential buying opportunity for investors willing to wait for clarity on the allegations.
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SoFi Technologies stock has plunged 35% year-to-date in 2026 despite strong operational performance, including record user additions (1M in Q4 2025) and 37% revenue growth. While the company demonstrates excellent long-term growth potential with its cross-selling strategy and expanding financial services segment, analyst Jennifer Saibil believes reaching $100 per share by 2030 is unlikely, requiring a 490% gain over four years despite macro headwinds from inflation and geopolitical tensions.
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Short-seller Muddy Waters Research released a report alleging that SoFi Technologies is engaging in misleading accounting practices in its lending business, including retaining loan risk, underreporting loss rates, and engaging in circular financing. SoFi's stock has fallen nearly 50% from 2025 highs to below $20. The company denies the allegations and CEO Anthony Noto has been buying shares as a show of confidence, though the accuracy of either party's claims remains uncertain.
The article argues that SoFi Technologies (SOFI) stock is undervalued based on valuation analysis and its earnings trajectory. The author suggests the current stock price does not reflect the company's growth potential, presenting it as a buying opportunity.