What is the 13F Pro Quality Score for SOFI?

13F Pro ranks SoFi Technologies, Inc. (SOFI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SOFI's current score at https://13fpro.ai/research/SOFI (free sign-up required for the full ranking).

Where does 13F Pro source SOFI data?

All SoFi Technologies, Inc. fundamentals and ownership data come directly from SEC EDGAR. SoFi Technologies, Inc. files with the SEC under CIK 1818874. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SOFI in?

SoFi Technologies, Inc. (SOFI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SOFI research updated on 13F Pro?

SOFI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SoFi Technologies, Inc.(SOFI)Stock Analysis

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13F Pro Quality Score

53.8/100

Rank #1,258 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

78.3/100

Profitability

96.3/100

Balance Sheet

43.0/100

Earnings Quality

30.0/100

Free Cash Flow

2.2/100

Institutional Flow

90.2/100

Revenue Scale

39.1/100

Dilution Risk

5.1/100

SOFI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for SoFi Technologies, Inc. (SOFI), a Financials sector company. 13F Pro's AI-powered ranking engine scores SOFI at 53.8/100 on a 32-signal composite quality model, placing it at rank #1,258 of 2,879 stocks — the top half of the AI-ranked universe. SOFI scores in the top quartile across profitability (96.3), institutional flow (90.2), revenue growth (78.3). Areas of concern include free cash flow (2.2) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 5.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), SoFi Technologies, Inc. reports quarterly revenue of $1.1B, net income of $166.7M, free cash flow of $-2.4B. Top institutional holders of SOFI by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, SUSQUEHANNA INTERNATIONAL GROUP, LLP, based on the most recent SEC filings. SOFI trades on the Nasdaq exchange and files with the SEC under CIK 1818874. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SOFI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SoFi Technologies, Inc. directly from SEC EDGAR. SoFi Technologies, Inc.'s 13F Pro composite quality score has ranged between 8 and 65 since 2022, currently 53.8 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

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Fun facts about SoFi Technologies, Inc.

Quirks, history, and lore behind SOFI — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in San Francisco, California.
2
The Numbers
Annual revenue in the neighborhood of $2 billion, with a member base that has grown to over 9 million — and it only turned its first full-year profit relatively recently.
3
The History
Founded in 2011 at Stanford, it originally focused on student loan refinancing before pivoting hard into becoming a one-stop digital bank.
4
The Secret
It secured a national bank charter in 2022 — a huge deal that lets it hold deposits and lend directly, rather than relying on banking partners to do the heavy lifting.
5
The Lore
It once had naming rights to the San Francisco 49ers' stadium — a $220 million deal — making it one of the few fintechs with its name on an NFL venue.
6
The Giveaway
Its name sounds like a social network for your wallet, and its ticker is basically just that: a two-syllable fintech that wants to be your bank, brokerage, and credit card all in one app.

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Revenue

Q1 2026

$1.1B

Net Income

Q1 2026

$166.7M

Free Cash Flow

Q1 2026

$-2.4B

ROIC

Q1 2026

1.6%

D/E Ratio

Q1 2026

0.17

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+34.9% YoY

$2.12BFY 2023

FY20 $565.5MFY21 $984.9MFY22 $1.57BFY23 $2.12B

Net Income

+6.1% YoY

$-300.7MFY 2023

FY20 $-224.1MFY21 $-483.9MFY22 $-320.4MFY23 $-300.7M

EPS (Diluted)

+10.0% YoY

$-0.36FY 2023

FY20 $-0.61FY21 $-1.00FY22 $-0.40FY23 $-0.36

Total Assets

+58.2% YoY

$30.07BFY 2023

FY20 $806.1MFY21 $9.18BFY22 $19.01BFY23 $30.07B

Total Debt

-4.6% YoY

$5.23BFY 2023

FY20 $4.80BFY21 $3.95BFY22 $5.49BFY23 $5.23B

Op. Cash Flow

+0.4% YoY

$-7.23BFY 2023

FY20 $-479.3MFY21 $-1.35BFY22 $-7.26BFY23 $-7.23B

Metric	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$2.12B +34.9%	$1.57B +59.8%	$984.9M +74.1%	$565.5M +27.8%	$442.7M	—
Net Income	$-300.7M +6.1%	$-320.4M +33.8%	$-483.9M -116.0%	$-224.1M +6.5%	$-239.7M	—
EPS (Diluted)	$-0.36 +10.0%	$-0.40 +60.0%	$-1.00 -62.8%	$-0.61 -7.0%	$-0.57	—
Total Assets	$30.07B +58.2%	$19.01B +107.1%	$9.18B +1038.4%	$806.1M	—	—
Total Debt	$5.23B -4.6%	$5.49B +39.0%	$3.95B -17.7%	$4.80B	—	—
Operating Cash Flow	$-7.23B +0.4%	$-7.26B -437.4%	$-1.35B -181.7%	$-479.3M -775.8%	$-54.7M	—

AI Insight: SOFI Financial Trends

Revenue doubled year-over-year to $1.1B in Q1 2026, while total debt halved to $1.8B, signaling strong profitability conversion and deleveraging.

• Revenue grew 43% from $772M in Q1 2025 to $1,100M in Q1 2026, accelerating from prior quarters.

• Total debt declined 40% from $3,046M in Q1 2025 to $1,813M in Q1 2026; equity surged 62% to $10,812M.

• Net income remained positive and grew from $17M in Q2 2024 to $167M in Q1 2026, demonstrating sustained profitability.

⚠ Operating cash flow deteriorated to -$2,315M in Q1 2026, worst in dataset; negative OCF persists despite profitable net income.

⚠ Sequential OCF weakness across entire 2025–2026 period (-$1.3B to -$2.3B) warrants monitoring for working capital or loan portfolio dynamics.

AI Insight: SOFI Ratio Trends

SoFi sustained operating leverage gains through Q1 2026, with OpMargin stabilizing near 18% and ROIC reaching 6.3%, supported by deleveraging to 0.17 D/E.

• Operating margin surged from 8.2% in Q4 2024 to 18.1% in Q4 2025 and held at 18.1% in Q1 2026, reflecting operational efficiency.

• ROIC expanded from 0.7% in Q2 2024 to 6.3% in Q1 2026, demonstrating improved capital productivity over 9 quarters.

• Debt-to-equity ratio fell from 0.57 in Q2 2025 to 0.17 in Q1 2026, strengthening the balance sheet substantially.

⚠ Q2 2025 OpMargin spike to 73.9% appears anomalous; normalization to 15–18% range suggests one-time items masked underlying trends.

⚠ NPM compressed from 16.9% in Q4 2025 to 15.2% in Q1 2026; monitor if margin pressure persists.

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Available Research

13F Pro tracks comprehensive data for SoFi Technologies, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SOFI

BlackRock, Inc.
$1.1B69,557,164 sh
VANGUARD CAPITAL MANAGEMENT LLC
$906.9M57,108,581 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$867.0M54,595,600 sh
JANE STREET GROUP, LLC
$818.2M51,526,800 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$809.5M50,975,115 sh
D. E. Shaw & Co., Inc.
$678.4M42,720,908 sh
UBS Group AG
$578.3M36,417,201 sh
JANE STREET GROUP, LLC
$502.6M31,652,000 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$437.0M27,518,200 sh
STATE STREET CORP
$433.8M27,315,197 sh

Fund	Value	Shares
BlackRock, Inc.	$1.1B	69,557,164
VANGUARD CAPITAL MANAGEMENT LLC	$906.9M	57,108,581
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$867.0M	54,595,600
JANE STREET GROUP, LLC	$818.2M	51,526,800
VANGUARD PORTFOLIO MANAGEMENT LLC	$809.5M	50,975,115
D. E. Shaw & Co., Inc.	$678.4M	42,720,908
UBS Group AG	$578.3M	36,417,201
JANE STREET GROUP, LLC	$502.6M	31,652,000
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$437.0M	27,518,200
STATE STREET CORP	$433.8M	27,315,197

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Is SOFI a good stock to buy?

13F Pro's AI-powered analysis of SoFi Technologies, Inc. (SOFI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SOFI are available on the SOFI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SOFI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SOFI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SoFi Technologies, Inc.'s investment landscape.