SoFi Technologies, Inc.
SoFi Technologies, Inc. is classed by the SEC under Finance Services (industry code 6199), based in San Francisco, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $619 million and a profit of $481 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.1 out of ten, 9 of 9 metrics filed: past 4.4 out of ten, present 5.8 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 3.2 out of ten. 4 warning events since 2020; the latest 2021-06-04. 32nd percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 8.0 out of ten. +127% a year over 7 filed years; profitable in 2 of 7. 80th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.6 out of ten. Share count grew 11.6% a year. 0% of cash flow returned. Insiders: 19 sales, 7 purchases. 36th percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.3 out of ten. ROE 5%: 5¢ of profit per shareholder dollar. Leverage 79%: owes 79¢ per asset dollar. 43rd percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.6 out of ten. top 24% of 114 in its family; net margin 77.7%. 76th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 6.1 out of ten. top 39% of 49 in its family for leadership; chief executive since 2021. 61st percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.9 out of ten. bottom 39% of 108 in its family for room to expand. 39th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.8 out of ten. bottom 47% of 100 in its family for growth drivers. 47th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 7.7 out of ten. top 23% of 79 in its family for expectations against reality. 77th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-17 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-29 (on EDGAR). Newest filing: Form 4, 2026-09-23. Filings on record since 2020. Read from EDGAR 2026-10-12.
Who runs it
Noto, Anthony (Chief Executive Officer); White, Derek J (CEO - Galileo); Lapointe, Christopher (CFO and PAO); Rishel, Jeremy (Chief Technology Officer); Pinto, Arun (Chief Risk Officer); Keough, Kelli (EVP, GBUL, SIPS); Lavet, Robert S (General Counsel); Schuppenhauer, Eric (EVP GBUL Borrow); Simcock, Stephen (General Counsel); Borden, William A. (director); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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