SoFi Technologies, Inc. (SOFI)财务
NASDAQ · Financial Services · Financial - Credit Services · 员工6,100人 · CEO Anthony J. Noto
- 股价
- $16.76 -4.83%
- 市值
- $216亿
- 企业价值
- $228亿
- 最近财报
- Q3 '26 2026-10-27提交
- 下次财报
- 2027-01-29
营收(TTM)$61.1亿+37.6% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)14.8%+5.8 百分点 对比去年同期营业利润 $9.07亿
净利润(TTM)$7.38亿+15.2% 对比去年同期税后,含营业外收益
自由现金流(TTM)–– 对比去年同期资本支出 –
稀释EPS(TTM)$0.55-0.5% 对比去年同期最近4个季度之和
净现金$38.2亿+35.0% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $216亿 EV $228亿
- 营收
- $61.1亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 12.1% 净利润 / 营收,TTM
- P/E
- 28.9×
- P/S
- 3.5× 股价 / 营收,TTM
- EV / EBITDA
- 15.0× TTM
- 自由现金流
- – 过去12个月
- 净利润
- $7.38亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-29
- 股息
- – 无股息
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长加速:同比41.9%Q3 '26营收$18亿,此前四个季度的平均值为34.0%。
- 营业利润率14.8%(TTM),较去年同期+5.8 百分点营收增长37.6%,营业利润增长126.5%。
- 稀释股数一年内增加5.2%Q3 '26稀释股数13.6亿,一年前为12.9亿。
- 净现金 $38.2亿现金 + 短期投资 $78亿,含租赁债务 $39.8亿;一年前净现金 $28.3亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $18亿 | $12.7亿 | +41.9% |
| 毛利率 | 76.2% | 75.1% | +1.1 百分点 |
| 营业利润 | $3.18亿 | $1.49亿 | +114.0% |
| 营业利润率 | 17.7% | 11.7% | +6.0 百分点 |
| 净利润 | $2.41亿 | $1.39亿 | +72.9% |
| 稀释EPS | $0.18 | $0.11 | +63.6% |
| 经营现金流 | – | $7290万 | – |
| 资本支出 | – | $6320万 | – |
| 自由现金流 | – | $978万 | – |
| R&D | $0 | $0 | – |
| 股权激励费用 | – | $6650万 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q1 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Lending Segment | – | – | – | – | – | |
| Financial Services Segment | – | – | – | – | – | |
| Lending | $6.42亿 | – | 58.4% | – | – | |
| Financial Services | $4.29亿 | – | 38.9% | – | – | |
| Technology Platform Segment | – | – | – | – | – | |
| Technology Platform | $7510万 | – | 6.8% | – | – | |
| Corporate / Other | -$4570万 | – | -4.2% | – | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 自由现金流
- –
- 股东回报 / FCF
- –
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 28.9× | 47.9× 5年中的2年 | 33.5× – 62.3× |
| EV / EBITDA | 15.0× | 37.1× 5年中的2年 | 35.7× – 38.5× |
| EV / 营收 | 3.7× | 6.0× | 4.0× – 11.1× |
| 股价 / FCF | -4.3× | – | – |
| 股价 / 净资产 | 1.9× | 1.9× | 0.8× – 2.9× |
| FCF收益率 | -23.0% | -58.7% | -177.2% – -7.9% |
| 投入资本回报率 | 4.5% | -1.0% | -5.4% – 3.8% |
| 净资产收益率 | 6.8% | -1.9% | -10.3% – 7.6% |
分析师
一致目标价 $21.77 (+29.9%)
区间 $15.00 – $29.00 · 评级 Hold
强烈买入0
买入12
持有13
卖出4
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
SoFi Technologies, Inc.在近期10-Q / 10-K文件中标记的全部334项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accounts Payable | $6470万2025-12-31 | $9530万 | -32.1% | $6470万 | $9530万 | -32.1% |
| Accounts Payable and Accrued Liabilities | $9.23亿 | $6.76亿 | +36.5% | $7.44亿 | $5.57亿 | +33.5% |
| Accounts Receivable, after Allowance for Credit Loss | $8.93亿2025-12-31 | $5.87亿 | +52.1% | $8.93亿 | $5.87亿 | +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 | $3.64亿2025-12-31 | $2.65亿 | +37.3% | $3.64亿 | $2.65亿 | +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 | $116亿 | $79.9亿 | +45.0% | $113亿 | $78.4亿 | +44.2% |
| Adjustments to Additional Paid in Capital, Increase in Carrying Amount of Redeemable Preferred Stock | – | – | – | $303万2024-12-31 | – | – |
| Advertising Expense | – | – | – | $4.26亿 | $3.22亿 | +32.4% |
| Amortization Method Qualified Affordable Housing Project Investments | $1.06亿 | $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% | $3.13亿 | $2.86亿 | +9.5% |
| Assets | $609亿 | $411亿 | +48.2% | $507亿 | $363亿 | +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 | $4.08亿2025-12-31 | $2.13亿 | +91.0% | $4.08亿 | $2.13亿 | +91.0% |
| Cash and Cash Equivalents, at Carrying Value | $31.3亿 | $21.2亿 | +47.3% | $49.3亿 | $25.4亿 | +94.2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $35.7亿 | $27.1亿 | +31.3% | $53.6亿 | $27.1亿 | +97.7% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$1.96亿 | -$153万 | -12,665.3% | $26.5亿 | -$9.06亿 | +392.1% |
| Common Stock, Capital Shares Reserved for Future Issuance | 2.54亿 | 2.35亿 | +7.7% | 2.13亿 | 1.9亿 | +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 | 31亿 | 31亿 | 0.0% | 31亿 | 31亿 | 0.0% |
| Common Stock, Shares, Issued | 12.9亿 | 11.1亿 | +15.9% | 12.7亿 | 11亿 | +16.0% |
| Common Stock, Shares, Outstanding | 12.9亿 | 11.1亿 | +15.9% | 12.7亿 | 11亿 | +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 | $1.47亿 | $9800万 | +50.3% | $5.01亿 | $4.92亿 | +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 | $2亿 | $1.5亿 | +33.0% | $6.09亿 | $4.62亿 | +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 | $6.77亿 | -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 | $39.9亿 | $22.7亿 | +76.2% | $24.5亿 | $18亿 | +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 | $33.3亿 | $19.5亿 | +70.6% | $22.9亿 | $15.1亿 | +52.1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $4.71亿 | $1.21亿 | +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 | $1.95亿 | $1.78亿 | +9.8% | $4670万 | $1.54亿 | -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 | $23.6亿 | $7.27亿 | +224.1% | $2.76亿 | $8.32亿 | -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 | $33.2亿 | $19.5亿 | +69.7% | $23亿 | $15亿 | +53.2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $4.67亿 | $1.2亿 | +288.5% | $9820万 | $9050万 | +8.6% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标和预期均根据公司文件标准化。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 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
数据截至 2026-11-02