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/company/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.

What drives SOFI's revenue?

Per SoFi Technologies, Inc.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Lending ($724.8M, +63% YoY); Financial Services ($466.3M, +29% YoY); Technology Platform ($84.5M, -23% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/SOFI.

What are SOFI's largest expenses?

SoFi Technologies, Inc.'s latest 10-Q reports these as the largest expense items: Sales and marketing ($392.4M, +48% YoY); Technology and product development ($191.3M, +26% YoY); Cost of operations ($200.1M, +33% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

62.4/100

Rank #714 of 2,962 stocksTOP 25%

View Financials peers →

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

Revenue Growth

90.5/100

Profitability

66.2/100

Balance Sheet

46.3/100

Earnings Quality

1.8/100

Free Cash Flow

4.3/100

Institutional Flow

6.5/100

Revenue Scale

76.0/100

Dilution Risk

5.1/100

Email me the moment this company reports earnings

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Why SOFI Scores 62/100

exact factor attribution · 2026-09-11

SOFI's composite is driven by revenue growth and scale, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.8 pts

91th pct

Scale

+5.2 pts

76th pct

Profitability

+3.2 pts

66th pct

Earnings growth

-0.4 pts

44th pct

Capital efficiency

-0.5 pts

46th pct

Institutional flow

-2.9 pts

7th pct

Shareholder dilution

-3.0 pts

5th pct

Earnings quality

-4.8 pts

2th pct

Free cash flow

-6.9 pts

4th pct

Latest change (2026-08-08): 54 → 54 · ↑ Earnings growth 30→96; despite ↓ Revenue growth 78→59

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

SOFI Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 62.4/100 on a 32-signal composite quality model, placing it at rank #714 of 2,962 stocks — the top 25% of the AI-ranked universe. SOFI scores in the top quartile across revenue growth (90.5), revenue scale (76.0). Areas of concern include earnings quality (1.8) and free cash flow (4.3), 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 (Q2 2026), SoFi Technologies, Inc. reports quarterly revenue of $1.2B, net income of $156.6M, free cash flow of $-4.0B. Top institutional holders of SOFI by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, VANGUARD PORTFOLIO MANAGEMENT, 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 22 and 63 since 2022, currently 62.4 — an improving long-term trajectory across 64 quarterly and live scoring snapshots.

✦

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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What's Driving SOFI's Business? Latest 10-Q Breakdown

✓ 41/41 datapoints verified

AI-extracted from SoFi Technologies, Inc.'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

SoFi reported Q2 2026 net revenue of $1.22B (+43% YoY) with net income of $157M (+61% YoY), driven by 52% growth in net interest income and expanded lending originations.

Biggest Revenue Drivers

Lending$724.8M+63% YoY

Growth in net interest income and loan origination fees driven by increased loan originations for balance sheet, with origination volume up 69%.

Financial Services$466.3M+29% YoY

Net interest income growth of 29% from deposits; loan platform fees of $141M; interchange revenue up 55% YoY.

Biggest Revenue Drivers

Total revenue: $1.22B+43% YoY

Lending$724.8M+63% YoY

Growth in net interest income and loan origination fees driven by increased loan originations for balance sheet, with origination volume up 69%.

Financial Services$466.3M+29% YoY

Net interest income growth of 29% from deposits; loan platform fees of $141M; interchange revenue up 55% YoY.

Technology Platform$84.5M-23% YoY

Decline reflects exit of large client that transitioned off platform prior to December 31, 2025; enabled client accounts down to 135M from 160M.

Largest Expense Items

Sales and marketing$392.4M+48% YoY

Increased spending to support member acquisition and Loan Platform Business growth.

Technology and product development$191.3M+26% YoY

Investments in platform enhancements and product development including acquisitions of Peach and Composer.

Cost of operations$200.1M+33% YoY

Higher operational costs supporting increased loan origination volume and member growth.

General and administrative$216.8M+31% YoY

Increased costs related to bank holding company operations and transaction-related expenses from acquisitions.

Margins: Net interest margin remained stable at 5.98% versus 5.86% YoY, benefiting from deposit funding mix improvements and higher loan yields. Adjusted EBITDA margin of 30% (non-GAAP) improved from 29% in Q2 2025, reflecting operating leverage from higher revenue growth outpacing expense growth.

Watch Items from the Filing

Technology Platform segment revenue declined 23% YoY to $84.5M due to exit of large unnamed client; enabled client accounts fell 16% to 135M from 160M YoY.
Deposit growth of $8.0B YTD (21% increase) to $45.5B supports funding needs but concentrated in consumer deposits; brokered deposits rose to $4.5B from $1.4B.
Company acquired Peach Finance and Composer for $70.1M in Q2 2026, recording $31.5M goodwill; integration execution risk on new platforms.
SoFi Bank risk-based capital ratio declined to 15.3% from 16.6% YoY; company-wide CET1 at 18.8% from 22.9%, reflecting rapid loan growth and acquisitions.
New litigation filed June 2026 (Smith v. SoFi Securities) alleging breach of contract re: negligible interest on Apex Clearing deposit sweep accounts; exposure unquantified at filing.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$1.2B

Net Income

Q2 2026

$156.6M

Free Cash Flow

Q2 2026

$-4.0B

ROIC

Q2 2026

5.7%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+35.1% YoY

$3.61BFY 2025

FY22 $1.57BFY23 $2.12BFY24 $2.67BFY25 $3.61B

Net Income

-3.5% YoY

$481.3MFY 2025

FY22 $-320.4MFY23 $-300.7MFY24 $498.7MFY25 $481.3M

EPS (Diluted)

+0.0% YoY

$0.39FY 2025

FY22 $-0.40FY23 $-0.36FY24 $0.39FY25 $0.39

Total Assets

+39.7% YoY

$50.66BFY 2025

FY22 $19.01BFY23 $30.07BFY24 $36.25BFY25 $50.66B

Total Debt

-41.3% YoY

$1.82BFY 2025

FY22 $5.49BFY23 $5.23BFY24 $3.09BFY25 $1.82B

Op. Cash Flow

-234.2% YoY

$-3.74BFY 2025

FY22 $-7.26BFY23 $-7.23BFY24 $-1.12BFY25 $-3.74B

Free Cash Flow

-212.8% YoY

$-3.98BFY 2025

FY22 $-7.35BFY23 $-7.34BFY24 $-1.27BFY25 $-3.98B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.61B +35.1%	$2.67B +26.0%	$2.12B +34.9%	$1.57B +59.8%	$984.9M +74.1%	$565.5M
Net Income	$481.3M -3.5%	$498.7M +265.8%	$-300.7M +6.1%	$-320.4M +33.8%	$-483.9M -116.0%	$-224.1M
EPS (Diluted)	$0.39 +0.0%	$0.39 +208.3%	$-0.36 +10.0%	$-0.40 +60.0%	$-1.00 -62.8%	$-0.61
Total Assets	$50.66B +39.7%	$36.25B +20.5%	$30.07B +58.2%	$19.01B +107.1%	$9.18B +7.2%	$8.56B
Total Debt	$1.82B -41.3%	$3.09B -40.9%	$5.23B -4.6%	$5.49B +39.0%	$3.95B -17.7%	$4.80B
Operating Cash Flow	$-3.74B -234.2%	$-1.12B +84.5%	$-7.23B +0.4%	$-7.26B -437.4%	$-1.35B -181.7%	$-479.3M
Free Cash Flow	$-3.98B -212.8%	$-1.27B +82.6%	$-7.34B +0.1%	$-7.35B -424.0%	$-1.40B -178.3%	$-503.9M

AI Insight: SOFI Financial Trends

Revenue accelerating sharply (+75% from Q3 2024 to Q2 2026), but operating cash flow has deteriorated significantly into deep negative territory.

• Revenue grew 75% from $697M in Q3 2024 to $1,219M in Q2 2026, with consecutive quarterly growth every period.

• Net income remained positive and nearly tripled from $61M (Q3 2024) to $174M (Q4 2025), though softened to $157M in Q2 2026.

• Operating cash flow deteriorated sharply: from -$1,174M (Q3 2024) to -$3,890M (Q2 2026), the worst reading in the dataset.

⚠ Total debt surged from $1,813M (Q4 2025) to $3,301M (Q2 2026)—a 82% spike in one quarter despite equity growth.

⚠ Operating cash flow has been negative in 7 of 8 quarters; latest quarter at -$3,890M signals acute working-capital or funding pressure.

AI Insight: SOFI Ratio Trends

Operating margin nearly doubled from Q3 2024 to Q4 2025, then plateaued; leverage fell sharply but ticked back up in H1 2026.

• Operating margin expanded from 9.2% in Q3 2024 to 18.1% in Q4 2025, driven by consistent quarterly gains. Held at 18.1% in Q1 2026.

• ROIC climbed from 2.8% in Q3 2024 to 6.3% in Q1 2026, showing improving capital efficiency over 18 months.

• D/E ratio fell from 0.52 in Q3 2024 to 0.17 by Q4 2025, then rose to 0.30 in Q2 2026.

⚠ OpMargin and ROE both declined Q1 2026 to Q2 2026 (18.1% → 16.8%, 6.2% → 5.7%). Monitor if deterioration continues.

⚠ Q4 2024 NPM spike to 45.3% was a one-off; normalized to 11%–17% thereafter. Earnings quality warrants clarification.

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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.
$1.3B72,444,208 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.0B57,928,852 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$909.8M50,740,132 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$878.2M48,979,400 sh
JANE STREET GROUP, LLC
$636.8M35,518,300 sh
GOLDMAN SACHS GROUP INC
$631.3M35,207,678 sh
UBS Group AG
$630.6M35,168,018 sh
STATE STREET CORP
$515.7M28,763,660 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$463.4M25,846,200 sh
GEODE CAPITAL MANAGEMENT, LLC
$417.6M23,356,377 sh

Fund	Value	Shares
BlackRock, Inc.	$1.3B	72,444,208
VANGUARD CAPITAL MANAGEMENT LLC	$1.0B	57,928,852
VANGUARD PORTFOLIO MANAGEMENT LLC	$909.8M	50,740,132
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$878.2M	48,979,400
JANE STREET GROUP, LLC	$636.8M	35,518,300
GOLDMAN SACHS GROUP INC	$631.3M	35,207,678
UBS Group AG	$630.6M	35,168,018
STATE STREET CORP	$515.7M	28,763,660
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$463.4M	25,846,200
GEODE CAPITAL MANAGEMENT, LLC	$417.6M	23,356,377

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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. SOFI is classified as a large company.

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.