Keuangan SoFi Technologies, Inc. (SOFI)
NASDAQ · Financial Services · Financial - Credit Services · Karyawan: 6.100 · CEO: Anthony J. Noto
- Harga
- $16,76 -4,83%
- Kapitalisasi pasar
- $21,6 M
- Nilai perusahaan
- $22,8 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-27
- Laporan berikutnya
- 2027-01-29
Pendapatan (TTM)$6,11 M+37,6% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)14,8%+5,8 poin vs tahun laluLaba operasional: $907 jt
Laba bersih (TTM)$738 jt+15,2% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)–– vs tahun laluCapex: –
EPS dilusian (TTM)$0,55-0,5% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$3,82 M+35,0% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $21,6 M EV $22,8 M
- Pendapatan
- $6,11 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 12,1% Laba bersih / pendapatan, TTM
- P/E
- 28,9×
- P/S
- 3,5× Harga / penjualan, TTM
- EV / EBITDA
- 15,0× TTM
- Arus kas bebas
- – 12 bulan terakhir
- Laba bersih
- $738 jt 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-29
- Dividen
- – Tanpa dividen
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan menguat: 41,9% yoyPendapatan Q3 '26: $1,8 M, rata-rata empat kuartal sebelumnya: 34,0%.
- Margin operasional 14,8% (TTM), dibanding tahun lalu: +5,8 poinLaba operasional tumbuh 126,5%, pendapatan tumbuh 37,6%.
- Jumlah saham dilusian naik dalam setahun: 5,2%Saham dilusian pada Q3 '26: 1,36 M, setahun sebelumnya: 1,29 M.
- Kas neto: $3,82 MKas + investasi jangka pendek: $7,8 M, utang termasuk sewa: $3,98 M; tahun lalu kas neto: $2,83 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $1,8 M | $1,27 M | +41,9% |
| Margin kotor | 76,2% | 75,1% | +1,1 poin |
| Laba operasional | $318 jt | $149 jt | +114,0% |
| Margin operasional | 17,7% | 11,7% | +6,0 poin |
| Laba bersih | $241 jt | $139 jt | +72,9% |
| EPS dilusian | $0,18 | $0,11 | +63,6% |
| Arus kas operasional | – | $72,9 jt | – |
| Capex | – | $63,2 jt | – |
| Arus kas bebas | – | $9,78 jt | – |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | – | $66,5 jt | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q1 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Lending Segment | – | – | – | – | – | |
| Financial Services Segment | – | – | – | – | – | |
| Lending | $642 jt | – | 58,4% | – | – | |
| Financial Services | $429 jt | – | 38,9% | – | – | |
| Technology Platform Segment | – | – | – | – | – | |
| Technology Platform | $75,1 jt | – | 6,8% | – | – | |
| Corporate / Other | -$45,7 jt | – | -4,2% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas bebas
- –
- Dikembalikan ke pemegang saham / FCF
- –
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 28,9× | 47,9× 2 dari 5 tahun | 33,5× – 62,3× |
| EV / EBITDA | 15,0× | 37,1× 2 dari 5 tahun | 35,7× – 38,5× |
| EV / Penjualan | 3,7× | 6,0× | 4,0× – 11,1× |
| Harga / FCF | -4,3× | – | – |
| Harga / Nilai buku | 1,9× | 1,9× | 0,8× – 2,9× |
| Imbal hasil FCF | -23,0% | -58,7% | -177,2% – -7,9% |
| Imbal hasil modal yang diinvestasikan | 4,5% | -1,0% | -5,4% – 3,8% |
| Imbal hasil ekuitas | 6,8% | -1,9% | -10,3% – 7,6% |
Analis
Target konsensus $21,77 (+29,9%)
rentang $15,00 – $29,00 · peringkat Hold
Beli kuat0
Beli12
Tahan13
Jual4
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 334 angka yang ditandai SoFi Technologies, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable | $64,7 jt2025-12-31 | $95,3 jt | -32,1% | $64,7 jt | $95,3 jt | -32,1% |
| Accounts Payable and Accrued Liabilities | $923 jt | $676 jt | +36,5% | $744 jt | $557 jt | +33,5% |
| Accounts Receivable, after Allowance for Credit Loss | $893 jt2025-12-31 | $587 jt | +52,1% | $893 jt | $587 jt | +52,1% |
| Accounts Receivable, Allowance for Credit Loss | $2,56 jt | $3,18 jt | -19,5% | $3 jt | $2,44 jt | +22,7% |
| Accounts Receivable, Allowance for Credit Loss, Recovery | $38 rb | $300 rb | -87,3% | $943 rb | $1,23 jt | -23,1% |
| Accounts Receivable, Allowance for Credit Loss, Writeoff | $292 rb | $0 | – | $144 rb | $3,08 jt | -95,3% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $167 rb | $389 rb | -57,1% | $698 rb | $3,69 jt | -81,1% |
| Accrued Liabilities | $364 jt2025-12-31 | $265 jt | +37,3% | $364 jt | $265 jt | +37,3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$12 jt | $3,59 jt | -433,5% | $11 jt | -$8,37 jt | +231,2% |
| Additional Paid in Capital | $11,6 M | $7,99 M | +45,0% | $11,3 M | $7,84 M | +44,2% |
| Adjustments to Additional Paid in Capital, Increase in Carrying Amount of Redeemable Preferred Stock | – | – | – | $3,03 jt2024-12-31 | – | – |
| Advertising Expense | – | – | – | $426 jt | $322 jt | +32,4% |
| Amortization Method Qualified Affordable Housing Project Investments | $106 jt | $28,3 jt | +273,5% | $53,5 jt | $12,6 jt | +324,6% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $0 | $0 | – | $1,6 jt | $0 | – |
| Amortization of Debt Issuance Costs and Discounts | $2,75 jt | $2,92 jt | -6,1% | $11,3 jt | $13,5 jt | -15,9% |
| Amortization of Intangible Assets | – | – | – | $74,6 jt | $75,5 jt | -1,2% |
| APIC, Share-based Payment Arrangement, ESPP, Increase for Cost Recognition | $24,3 jt | $11,8 jt | +106,8% | $26,2 jt | – | – |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $96,8 jt | $76 jt | +27,4% | $313 jt | $286 jt | +9,5% |
| Assets | $60,9 M | $41,1 M | +48,2% | $50,7 M | $36,3 M | +39,7% |
| Beneficial Interest Liability | $510 rb | $554 rb | -7,9% | $520 rb | $609 rb | -14,6% |
| Capitalized Computer Software, Amortization | – | – | – | $6,92 jt | $9,65 jt | -28,3% |
| Capitalized Computer Software, Period Increase (Decrease) | $1,07 jt | $2,53 jt | -57,8% | $8,67 jt | $9,35 jt | -7,3% |
| Capitalized Contract Cost, Amortization | $18,5 jt | $12,4 jt | +50,0% | $267 rb2021-12-31 | $185 rb | +44,3% |
| Capitalized Contract Cost, Net | $408 jt2025-12-31 | $213 jt | +91,0% | $408 jt | $213 jt | +91,0% |
| Cash and Cash Equivalents, at Carrying Value | $3,13 M | $2,12 M | +47,3% | $4,93 M | $2,54 M | +94,2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $3,57 M | $2,71 M | +31,3% | $5,36 M | $2,71 M | +97,7% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$196 jt | -$1,53 jt | -12.665,3% | $2,65 M | -$906 jt | +392,1% |
| Common Stock, Capital Shares Reserved for Future Issuance | 254 jt | 235 jt | +7,7% | 213 jt | 190 jt | +11,9% |
| Common Stock, Dividends, Per Share, Cash Paid | $0,00 | $0,00 | – | $0,00 | $0,00 | – |
| Common Stock, Dividends, Per Share, Declared | $0,00 | $0,00 | – | $0,00 | $0,00 | – |
| Common Stock, Par or Stated Value Per Share | $0,00 | $0,00 | – | $0,00 | $0,00 | – |
| Common Stock, Shares Authorized | 3,1 M | 3,1 M | 0,0% | 3,1 M | 3,1 M | 0,0% |
| Common Stock, Shares, Issued | 1,29 M | 1,11 M | +15,9% | 1,27 M | 1,1 M | +16,0% |
| Common Stock, Shares, Outstanding | 1,29 M | 1,11 M | +15,9% | 1,27 M | 1,1 M | +16,0% |
| Common Stock, Value, Issued | $128 rb | $111 rb | +15,3% | $126 rb | $109 rb | +15,6% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $147 jt | $98 jt | +50,3% | $501 jt | $492 jt | +1,9% |
| Contract with Customer, Liability | $8,54 jt2025-12-31 | $7,47 jt | +14,2% | $8,54 jt | $7,47 jt | +14,2% |
| Contract with Customer, Liability, Current | $7,28 jt | $7,43 jt | -2,0% | $8,54 jt | $7,47 jt | +14,2% |
| Contract with Customer, Receivable, after Allowance for Credit Loss | $59,9 jt | $70,1 jt | -14,6% | $56,2 jt | $61,6 jt | -8,8% |
| Cost of Revenue | $200 jt | $150 jt | +33,0% | $609 jt | $462 jt | +31,9% |
| Current Federal Tax Expense (Benefit) | – | – | – | $5,52 jt | $6,89 jt | -19,9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $1,33 jt | $2,15 jt | -38,3% |
| Current Income Tax Expense (Benefit) | – | – | – | $28,3 jt | $21,6 jt | +31,3% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $21,5 jt | $12,6 jt | +71,3% |
| Debt Conversion, Converted Instrument, Amount | $02025-12-31 | $0 | – | $0 | $677 jt | -100,0% |
| Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net | $12,4 jt | $18,5 jt | -33,1% | $15,5 jt | $21,6 jt | -28,4% |
| Debt Securities, Available-for-sale | $3,99 M | $2,27 M | +76,2% | $2,45 M | $1,8 M | +36,1% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $16 jt | $6,77 jt | +136,3% | $6,34 jt | $5,72 jt | +10,9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $10,9 jt | $8,96 jt | +22,1% | $15,5 jt | $3,6 jt | +331,5% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $26,9 jt | $4,64 jt | +480,4% | $2,04 jt | $13 jt | -84,2% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $3,33 M | $1,95 M | +70,6% | $2,29 M | $1,51 M | +52,1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $471 jt | $121 jt | +288,7% | $98,8 jt | $94,2 jt | +4,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $195 jt | $178 jt | +9,8% | $46,7 jt | $154 jt | -69,6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $8 rb | $6,21 jt | -99,9% | $387 rb | $54,8 jt | -99,3% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $15,2 jt | $33,4 jt | -54,6% | $20,7 jt | $16,6 jt | +24,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $1,05 jt | $1,12 jt | -6,1% | $983 rb | $963 rb | +2,1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $2,36 M | $727 jt | +224,1% | $276 jt | $832 jt | -66,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $25,9 jt | $3,52 jt | +635,2% | $1,06 jt | $12 jt | -91,2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $3,32 M | $1,95 M | +69,7% | $2,3 M | $1,5 M | +53,2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $467 jt | $120 jt | +288,5% | $98,2 jt | $90,5 jt | +8,6% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, dan estimasi distandardisasi dari laporan perusahaan. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-02