Insiders sold $150K in the last 30 days, all through pre-planned sales
Institutions cut 7.1% from their holdings in the quarter ending June 2026 (501 bought, 371 sold)
Held by Cathie Wood (ARK Invest)
Facts from SEC filings, not a recommendation.
What the price means
Price as of Oct 26
$14.46-1.1% that day
Company value
$18.7B
Share price times all shares
Price vs profit (P/E)
29.5x
You pay about $30 for each $1 of yearly profit
Price vs sales
30.6x
Company value is 30.6 times a year of sales
Cash vs value
17%
Cash as a share of company value
From SOFI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.
The business over time
Last 12 quarters, from SEC filings
Sales, Jun '26
$153.6M+1.1% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $610.2M, up 9.2% from the 12 months before. Over 5 years, sales grew about 45% a year.
What the price assumes
Your guesses, our math
Move the sliders to your own view of SOFI. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).
Sales in 5 years$939M
Profit in 5 years$94M
Price these guesses point to$1.35-91% vs $14.46 todayAbout -38% a year, before dividends
What today's price needs: with a 10% margin and a 30x P/E, sales would have to grow about 75% a year for 5 years just to match today's price.
Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.
Forum talk counts mentions of SOFI in popular online stock forums, a slice of the internet rather than all of it. Company lookups show interest in the company itself, which can come from news that isn't about the stock. Attention isn't quality.
Business quality
The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.5.7%
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.13.3%
MissProfitable every yearSteady profits, not one good year.2 of 7 years
MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$3.7B
MissShare count not growingNot diluting owners. Falling means buybacks.+36.0% in 3 years
Revenue
$3.6B
+35.1% vs prior year
5-year growth
+44.9%/yr
revenue, per year
Free cash flow
-$3.7B
-103.6% of revenue
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity. A checklist is a starting point for research, not a verdict.
Latest quarter
New results, as stated in the press release
Reported Oct 27Before open7:02 am ET
EPS
$0.18
Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.
Insider rating
Last 90 days
47Mixed
Pre-planned sales of $150K (weaker signal)
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend
13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
29/ 100
This week
1
Normal week
2.5
vs normal
0.4x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-7.1%
Institutions cut 7.1% from their holdings. 501 bought, 371 sold. 2 quarters of net selling in a row.
Shares held by institutions654.4M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+10.8%
Cash runwayAt last year's cash burn
10 months
Debt to equityLatest balance sheet: debt compared with what owners have
0.3x · $3.3B debt
Shares outstandingLatest reported
1.3B
Why moderate risk
Share count growing 10.8% a year (dilution)
Earnings reports
Last 12
Next reportAround Jan 29, 2027 (est.)Estimated from the same quarter last year
Results filedOct 27
Results filedJul 29
Results filedApr 29
Results filedJan 30
Results filedOct 28, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.