Stocktoria
SoFi Technologies, Inc. SOFI
Nasdaq · XNAS · stock · Finance Services · website · IPO 2020-11-30
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1/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $619.4M | $503.1M | $421.5M | $377.1M | $247.7M |
| Net income | $481.3M | $498.7M | -$300.7M | -$320.4M | -$483.9M |
| Operating cash flow | -$3.7B | -$1.1B | -$7.2B | -$7.3B | -$1.4B |
| Total assets | $50.7B | $36.3B | $30.1B | $19.0B | $9.2B |
| Total liabilities | $40.2B | $29.7B | $24.5B | $13.5B | $4.5B |
| Shareholders' equity | $10.5B | $6.5B | $5.2B | $5.2B | $4.4B |
| Ratios | |||||
| Net margin | 77.7% | 99.1% | -71.4% | -85.0% | -195.4% |
| Return on assets | 1.0% | 1.4% | -1.0% | -1.7% | -5.3% |
| Return on equity | 4.6% | 7.6% | -5.7% | -6.2% | -11.1% |
| Debt / equity | — | — | — | 1.05× | 0.90× |
| Revenue growth | 23.1% | 19.4% | 11.8% | 52.2% | 139.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| ARK Investment Management LLC | 3,836,003 | $60.9M |
| RENAISSANCE TECHNOLOGIES LLC | 2,317,400 | $36.8M |
| Point72 Asset Management, L.P. | 1,064,600 | $16.9M |
Why these scores methodology →
Piotroski F-score: 1/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001818874 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.