SoFi Technologies, Inc.
SoFi Technologies, Inc. is a mission-driven financial services company that operates a comprehensive digital platform designed to help members borrow, save, spend, invest, and protect their money. The company utilizes a vertically integrated 'Financial Services Productivity Loop' strategy to lower member acquisition costs and increase lifetime value by offering a one-stop-shop for diverse financial needs. Through its national bank charter and proprietary technology platforms, SoFi provides both consumer-facing financial products and enterprise-grade infrastructure solutions.
Financials
Based on Q1 2026 filing
Revenue
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Lending
primaryThis segment originates and services a variety of loan products through a digital-first borrowing experience. It generates revenue primarily through net interest income and fee-based activities like loan origination and servicing.
Personal Loans, Student Loan Refinancing, In-school Loans, Home Loans, Jumbo Loans, Home Equity Loans
Consumers, Prime and Super-prime borrowers, Third-party wholesale lenders
Technology Platform
majorProvides integrated cloud-native digital and core banking services to enterprises. The segment offers an event and authorization platform via APIs and AI-driven tools for fraud mitigation and customer engagement.
Galileo, Technisys, Conversational AI engine, Real-time payment risk platform
Financial institutions, Government entities, Non-financial institutions
Financial Services
majorOffers a suite of daily financial interaction products including deposit accounts, investment platforms, and credit cards. This segment is designed to drive high engagement and cross-selling opportunities across the SoFi ecosystem.
SoFi Money, SoFi Checking and Savings, SoFi Invest, SoFi Crypto, SoFi Credit Card, SoFi Relay, Lantern, SoFi Protect, SoFi Travel, SoFi At Work
Consumers, Small businesses, Enterprises
Segment Financials
Lending — Noninterest Income
View metricLending — Loan Origination And Servicing Expenses
View metricLending — Intercompany Technology Platform Expense
View metricTechnology Platform — Noninterest Income
View metricTechnology services — Total net revenue from contracts with customers
View metricTechnology Platform — Professional Fees
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View metricFinancial Services — Total net revenue from contracts with customers
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Competitive Position
A leading digital-first financial platform that differentiates itself through a vertically integrated bank charter and a proprietary technology stack that serves both consumers and other financial institutions.
Geographies
United States, Latin America, Canada, Switzerland, Hong Kong
Customer Segments
Retail consumers, Financial institutions, Enterprise employees
Upstream Dependencies
Warehouse financing providers, GSEs (Fannie Mae, Freddie Mac), Third-party custodians, Asset management partners
Downstream Customers
Retail members, Institutional loan buyers, Enterprise technology clients, Small business owners
Competitors & Partners
Competitors
Affirm Holdings, Inc.
AFRM
Buy now, pay later and technology-enabled lender
Rocket Companies
RKT
Fintech competitor in personal loans and digital financial services.
Robinhood Markets, Inc.
HOOD
Digital-first brokerage and crypto competitor
Marqeta
MQ
Technology platform competitor
JPMorgan Chase
JPM
Large incumbent bank and brokerage competitor
Subsidiaries
SoFi Bank, N.A.
Nationally chartered association and primary lending/deposit entity
SoFi Securities LLC
Broker-dealer entity for investment services
SoFi Digital Assets, LLC
Legacy entity for digital asset services
Galileo Financial Technologies
Technology platform provider
Technisys
Cloud-native core banking platform
SoFi Technologies, Inc. FAQ
Common questions about SoFi Technologies, Inc.
SoFi Technologies, Inc. is a mission-driven financial services company that operates a comprehensive digital platform designed to help members borrow, save, spend, invest, and protect their money. The company utilizes a vertically integrated 'Financial Services Productivity Loop' strategy to lower member acquisition costs and increase lifetime value by offering a one-stop-shop for diverse financial needs. Through its national bank charter and proprietary technology platforms, SoFi provides both consumer-facing financial products and enterprise-grade infrastructure solutions.
SoFi Technologies, Inc. (SOFI) has a market capitalization of $20.2B and trades on NASDAQ.
SoFi Technologies, Inc. generated $3.9B in trailing twelve-month revenue with net income of $576.9M, representing a net margin of 14.6%. Gross margin stands at 83.7%, with free cash flow of -$6.3B. These figures are based on the Q1 2026 filing.
SoFi Technologies, Inc.'s key competitors include Affirm Holdings, Inc., Rocket Companies, Inc., Robinhood Markets, Inc., and others. These companies compete in similar markets and product categories.
SoFi Technologies, Inc. has approximately 4,400 employees.