SoFi Technologies, Inc. (SOFI)の財務
NASDAQ · Financial Services · Financial - Credit Services · 従業員6,100人 · CEO Anthony J. Noto
- 株価
- $16.76 -4.83%
- 時価総額
- $216億
- 企業価値
- $228億
- 前回の決算
- Q3 '26 2026-10-27提出
- 次回の決算
- 2027-01-29
売上高(TTM)$61.1億+37.6% 前年比直近4四半期、棒グラフ=各四半期
営業利益率(TTM)14.8%+5.8 pt 前年比営業利益 $9.07億
純利益(TTM)$7.38億+15.2% 前年比税引後、営業外損益を含む
フリーキャッシュフロー(TTM)–– 前年比設備投資 –
希薄化後EPS(TTM)$0.55-0.5% 前年比直近4四半期の合計
ネットキャッシュ$38.2億+35.0% 前年比現金 + 短期投資 - 債務
バリュエーションと主要指標
- 時価総額
- $216億 EV $228億
- 売上高
- $61.1億 直近12か月
- 売上成長率
- – 来期
- 純利益率
- 12.1% 純利益 / 売上高、TTM
- P/E
- 28.9×
- P/S
- 3.5× 株価 / 売上高、TTM
- EV / EBITDA
- 15.0× TTM
- フリーキャッシュフロー
- – 直近12か月
- 純利益
- $7.38億 直近12か月
- 売上高予想
- – 来期
- 利益
- 2027-01-29
- 配当
- – 無配
主な要点
報告された数値から算出。各記述にはその根拠となる数値を添えています。
- 売上成長が加速:前年比41.9%Q3 '26の売上高は$18億、その前の4四半期の平均は34.0%。
- 営業利益率は14.8%(TTM)、前年比+5.8 pt売上高が37.6%増加する中、営業利益は126.5%増加。
- 希薄化後株式数は1年で5.2%増加Q3 '26の希薄化後株式数は13.6億、1年前は12.9億。
- ネットキャッシュ $38.2億現金 + 短期投資 $78億、リース含む債務 $39.8億。1年前のネットキャッシュは$28.3億。
直近四半期:Q3 '26
2026-09-30終了の四半期。前年同期および決算前のアナリスト・コンセンサスとの比較。
四半期の前年比較
| Q3 '26 | 前年 | 増減 | |
|---|---|---|---|
| 売上高 | $18億 | $12.7億 | +41.9% |
| 売上総利益率 | 76.2% | 75.1% | +1.1 pt |
| 営業利益 | $3.18億 | $1.49億 | +114.0% |
| 営業利益率 | 17.7% | 11.7% | +6.0 pt |
| 純利益 | $2.41億 | $1.39億 | +72.9% |
| 希薄化後EPS | $0.18 | $0.11 | +63.6% |
| 営業キャッシュフロー | – | $7290万 | – |
| 設備投資 | – | $6320万 | – |
| フリーキャッシュフロー | – | $978万 | – |
| R&D | $0 | $0 | – |
| 株式報酬費用 | – | $6650万 | – |
売上高
収益の源泉を事業別・地域別に四半期ごとに示します。
売上高、営業利益、成長率
四半期事業別売上高
積み上げ、四半期| セグメント | Q1 '26 | 前年比 | 構成比 | TTM | TTM前年比 | 12四半期 |
|---|---|---|---|---|---|---|
| Lending Segment | – | – | – | – | – | |
| Financial Services Segment | – | – | – | – | – | |
| Lending | $6.42億 | – | 58.4% | – | – | |
| Financial Services | $4.29億 | – | 38.9% | – | – | |
| Technology Platform Segment | – | – | – | – | – | |
| Technology Platform | $7510万 | – | 6.8% | – | – | |
| Corporate / Other | -$4570万 | – | -4.2% | – | – |
利益率とコスト構造
売上1単位あたり各段階で何が残るか、そしてコストがどこに使われるか。
利益率
四半期売上高に対するコスト比率
四半期キャッシュフローと資本配分
生み出した現金、その使途、そして株主に届く分。
営業キャッシュフロー、設備投資、フリーキャッシュフロー
四半期現金の使途と営業キャッシュフロー
会計年度直近4四半期
キャッシュフロー計算書- フリーキャッシュフロー
- –
- 株主還元 / FCF
- –
株式数とEPS
四半期、希薄化後貸借対照表
各四半期末の流動性、投資、債務。
現金、投資、債務
四半期末バリュエーションとリターン
現在の倍率を同社の過去5会計年度と比較。アナリストの目標株価と評価。
倍率とリターン
TTMと過去5会計年度| 現在 | 5年平均 | 5年レンジ内の現在位置 | |
|---|---|---|---|
| P/E(TTM) | 28.9× | 47.9× 5年中2年 | 33.5× – 62.3× |
| EV / EBITDA | 15.0× | 37.1× 5年中2年 | 35.7× – 38.5× |
| EV / 売上高 | 3.7× | 6.0× | 4.0× – 11.1× |
| 株価 / FCF | -4.3× | – | – |
| 株価 / 純資産 | 1.9× | 1.9× | 0.8× – 2.9× |
| FCF利回り | -23.0% | -58.7% | -177.2% – -7.9% |
| 投下資本利益率 | 4.5% | -1.0% | -5.4% – 3.8% |
| 自己資本利益率 | 6.8% | -1.9% | -10.3% – 7.6% |
アナリスト
コンセンサス目標株価 $21.77 (+29.9%)
レンジ $15.00 – $29.00 · 評価 Hold
強い買い0
買い12
中立13
売り4
強い売り0
財務諸表
損益計算書、貸借対照表、キャッシュフロー計算書の全項目。12四半期と10会計年度を、金額・売上比・成長率で表示。
全報告項目
SoFi Technologies, Inc.が直近の10-Q / 10-K提出書類にタグ付けした全334項目を、SECの公式ラベルと定義とともに掲載。注記(リース、税金、自社株買い、従業員など)も含みます。
| 項目(SECラベル) | 直近四半期 | 前年 | 前年比 | 直近FY | 前FY | 前年比 |
|---|---|---|---|---|---|---|
| Accounts Payable | $6470万2025-12-31 | $9530万 | -32.1% | $6470万 | $9530万 | -32.1% |
| Accounts Payable and Accrued Liabilities | $9.23億 | $6.76億 | +36.5% | $7.44億 | $5.57億 | +33.5% |
| Accounts Receivable, after Allowance for Credit Loss | $8.93億2025-12-31 | $5.87億 | +52.1% | $8.93億 | $5.87億 | +52.1% |
| Accounts Receivable, Allowance for Credit Loss | $256万 | $318万 | -19.5% | $300万 | $244万 | +22.7% |
| Accounts Receivable, Allowance for Credit Loss, Recovery | $3.8万 | $30万 | -87.3% | $94.3万 | $123万 | -23.1% |
| Accounts Receivable, Allowance for Credit Loss, Writeoff | $29.2万 | $0 | – | $14.4万 | $308万 | -95.3% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $16.7万 | $38.9万 | -57.1% | $69.8万 | $369万 | -81.1% |
| Accrued Liabilities | $3.64億2025-12-31 | $2.65億 | +37.3% | $3.64億 | $2.65億 | +37.3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$1200万 | $359万 | -433.5% | $1100万 | -$837万 | +231.2% |
| Additional Paid in Capital | $116億 | $79.9億 | +45.0% | $113億 | $78.4億 | +44.2% |
| Adjustments to Additional Paid in Capital, Increase in Carrying Amount of Redeemable Preferred Stock | – | – | – | $303万2024-12-31 | – | – |
| Advertising Expense | – | – | – | $4.26億 | $3.22億 | +32.4% |
| Amortization Method Qualified Affordable Housing Project Investments | $1.06億 | $2830万 | +273.5% | $5350万 | $1260万 | +324.6% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $0 | $0 | – | $160万 | $0 | – |
| Amortization of Debt Issuance Costs and Discounts | $275万 | $292万 | -6.1% | $1130万 | $1350万 | -15.9% |
| Amortization of Intangible Assets | – | – | – | $7460万 | $7550万 | -1.2% |
| APIC, Share-based Payment Arrangement, ESPP, Increase for Cost Recognition | $2430万 | $1180万 | +106.8% | $2620万 | – | – |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $9680万 | $7600万 | +27.4% | $3.13億 | $2.86億 | +9.5% |
| Assets | $609億 | $411億 | +48.2% | $507億 | $363億 | +39.7% |
| Beneficial Interest Liability | $51万 | $55.4万 | -7.9% | $52万 | $60.9万 | -14.6% |
| Capitalized Computer Software, Amortization | – | – | – | $692万 | $965万 | -28.3% |
| Capitalized Computer Software, Period Increase (Decrease) | $107万 | $253万 | -57.8% | $867万 | $935万 | -7.3% |
| Capitalized Contract Cost, Amortization | $1850万 | $1240万 | +50.0% | $26.7万2021-12-31 | $18.5万 | +44.3% |
| Capitalized Contract Cost, Net | $4.08億2025-12-31 | $2.13億 | +91.0% | $4.08億 | $2.13億 | +91.0% |
| Cash and Cash Equivalents, at Carrying Value | $31.3億 | $21.2億 | +47.3% | $49.3億 | $25.4億 | +94.2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $35.7億 | $27.1億 | +31.3% | $53.6億 | $27.1億 | +97.7% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$1.96億 | -$153万 | -12,665.3% | $26.5億 | -$9.06億 | +392.1% |
| Common Stock, Capital Shares Reserved for Future Issuance | 2.54億 | 2.35億 | +7.7% | 2.13億 | 1.9億 | +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 | 31億 | 31億 | 0.0% | 31億 | 31億 | 0.0% |
| Common Stock, Shares, Issued | 12.9億 | 11.1億 | +15.9% | 12.7億 | 11億 | +16.0% |
| Common Stock, Shares, Outstanding | 12.9億 | 11.1億 | +15.9% | 12.7億 | 11億 | +16.0% |
| Common Stock, Value, Issued | $12.8万 | $11.1万 | +15.3% | $12.6万 | $10.9万 | +15.6% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $1.47億 | $9800万 | +50.3% | $5.01億 | $4.92億 | +1.9% |
| Contract with Customer, Liability | $854万2025-12-31 | $747万 | +14.2% | $854万 | $747万 | +14.2% |
| Contract with Customer, Liability, Current | $728万 | $743万 | -2.0% | $854万 | $747万 | +14.2% |
| Contract with Customer, Receivable, after Allowance for Credit Loss | $5990万 | $7010万 | -14.6% | $5620万 | $6160万 | -8.8% |
| Cost of Revenue | $2億 | $1.5億 | +33.0% | $6.09億 | $4.62億 | +31.9% |
| Current Federal Tax Expense (Benefit) | – | – | – | $552万 | $689万 | -19.9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $133万 | $215万 | -38.3% |
| Current Income Tax Expense (Benefit) | – | – | – | $2830万 | $2160万 | +31.3% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $2150万 | $1260万 | +71.3% |
| Debt Conversion, Converted Instrument, Amount | $02025-12-31 | $0 | – | $0 | $6.77億 | -100.0% |
| Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net | $1240万 | $1850万 | -33.1% | $1550万 | $2160万 | -28.4% |
| Debt Securities, Available-for-sale | $39.9億 | $22.7億 | +76.2% | $24.5億 | $18億 | +36.1% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $1600万 | $677万 | +136.3% | $634万 | $572万 | +10.9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $1090万 | $896万 | +22.1% | $1550万 | $360万 | +331.5% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $2690万 | $464万 | +480.4% | $204万 | $1300万 | -84.2% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $33.3億 | $19.5億 | +70.6% | $22.9億 | $15.1億 | +52.1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $4.71億 | $1.21億 | +288.7% | $9880万 | $9420万 | +4.9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $1.95億 | $1.78億 | +9.8% | $4670万 | $1.54億 | -69.6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $8000 | $621万 | -99.9% | $38.7万 | $5480万 | -99.3% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $1520万 | $3340万 | -54.6% | $2070万 | $1660万 | +24.8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $105万 | $112万 | -6.1% | $98.3万 | $96.3万 | +2.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $23.6億 | $7.27億 | +224.1% | $2.76億 | $8.32億 | -66.8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $2590万 | $352万 | +635.2% | $106万 | $1200万 | -91.2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $33.2億 | $19.5億 | +69.7% | $23億 | $15億 | +53.2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $4.67億 | $1.2億 | +288.5% | $9820万 | $9050万 | +8.6% |
出典:SEC companyfacts(各10-Q / 10-KのXBRL)。キャッシュフローの四半期値は、10-Qにタグ付けされた累計値から算出。セグメント内訳はディメンション付きでタグ付けされているため、セグメントのセクションに表示しています。
出典
財務諸表、セグメント売上高、指標、予想は企業の提出書類から標準化。セグメント利益と全報告項目:SEC EDGAR(XBRL)。 参照した提出書類: 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
データ基準日 2026-11-02