SOFISoFi Technologies, Inc.
Finance Services
- Revenue
- $619M
- 23% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $174M net debt
- AI in 10-K
- —
Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired-778% of net incomeCash flow under 80% of net income
- Dilutive SBCFired42% of revenueOver 10% of revenue
- Payouts exceed cash flowClear0% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $248M | $377M | $421M | $503M | $619M | 23% |
| Net income | −$484M | −$320M | −$301M | $499M | $481M | 3.5% |
| Operating cash flow | −$1.4B | −$7.3B | −$7.2B | −$1.1B | −$3.7B | 234% |
| Capex | $52M | $93M | $111M | $154M | $242M | 57% |
| Stock-based comp | $239M | $306M | $271M | $246M | $262M | 6.5% |
| Buybacks | $526K | $0 | $0 | — | — |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $649K · 3
- Net
- −$649K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $30M | $149M | 116 | 175 |
| FY2024 | $28M | $65M | 68 | 145 |
| FY2023 | $18M | $71M | 44 | 112 |
| FY2022 | $13M | −$121M | 20 | 77 |
| FY2021 | $103M | $119M | 70 | 114 |