SoFi Technologies Inc. (SOFI) - Net Assets
Based on the latest financial reports, SoFi Technologies Inc. (SOFI) has net assets worth $10.49 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($50.66 Billion) and total liabilities ($40.17 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check SoFi Technologies Inc. liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $10.49 Billion |
| % of Total Assets | 20.71% |
| Annual Growth Rate | N/A |
| 5-Year Change | 123.29% |
| 10-Year Change | N/A |
| Growth Volatility | 21.95 |
SoFi Technologies Inc. - Net Assets Trend (2018–2025)
This chart illustrates how SoFi Technologies Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore SoFi Technologies Inc. balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for SoFi Technologies Inc. (2018–2025)
The table below shows the annual net assets of SoFi Technologies Inc. from 2018 to 2025. For live valuation and market cap data, see market value of SoFi Technologies Inc..
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $10.49 Billion | +60.76% |
| 2024-12-31 | $6.53 Billion | +17.46% |
| 2023-12-31 | $5.55 Billion | +0.48% |
| 2022-12-31 | $5.53 Billion | +17.68% |
| 2021-12-31 | $4.70 Billion | +53.84% |
| 2020-12-31 | $3.05 Billion | +45.36% |
| 2019-12-31 | $2.10 Billion | +131.36% |
| 2018-12-31 | $-6.70 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to SoFi Technologies Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 60113500000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $126.00K | 0.00% |
| Other Comprehensive Income | $10.98 Million | 0.10% |
| Other Components | $11.30 Billion | 107.75% |
| Total Equity | $10.49 Billion | 100.00% |
SoFi Technologies Inc. Competitors by Market Cap
The table below lists competitors of SoFi Technologies Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CIMB Group Holdings Bhd
KLSE:1023
|
$20.76 Billion |
|
Fubon Financial Holding Co Ltd Pref
TW:2881A
|
$20.76 Billion |
|
Volkswagen AG VZO O.N.
XETRA:VOW3
|
$20.79 Billion |
|
China Merchants Energy Shipping Co Ltd
SHG:601872
|
$20.80 Billion |
|
Yangtze Optical Fibre and Cable Joint Stock Ltd Co
SHG:601869
|
$20.73 Billion |
|
China Shenhua Energy Company Limited
F:IKF
|
$20.71 Billion |
|
Aristocrat Leisure Ltd
AU:ALL
|
$20.70 Billion |
|
Yageo Corp
TW:2327
|
$20.70 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SoFi Technologies Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,525,134,000 to 10,489,495,000, a change of 3,964,361,000 (60.8%).
- Net income of 481,320,000 contributed positively to equity growth.
- Share repurchases of 64,986,000 reduced equity.
- New share issuances of 3,185,618,000 increased equity.
- Other comprehensive income increased equity by 19,344,000.
- Other factors increased equity by 343,065,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $481.32 Million | +4.59% |
| Share Repurchases | $64.99 Million | -0.62% |
| Share Issuances | $3.19 Billion | +30.37% |
| Other Comprehensive Income | $19.34 Million | +0.18% |
| Other Changes | $343.06 Million | +3.27% |
| Total Change | $- | 60.76% |
Book Value vs Market Value Analysis
This analysis compares SoFi Technologies Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.96x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $-14.42 | $16.43 | x |
| 2019-12-31 | $4.52 | $16.43 | x |
| 2020-12-31 | $6.57 | $16.43 | x |
| 2021-12-31 | $8.92 | $16.43 | x |
| 2022-12-31 | $6.14 | $16.43 | x |
| 2023-12-31 | $5.88 | $16.43 | x |
| 2024-12-31 | $5.92 | $16.43 | x |
| 2025-12-31 | $8.38 | $16.43 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SoFi Technologies Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.59%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.09%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 4.83x
- Recent ROE (4.59%) is above the historical average (-3.50%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | 0.00% | -42.07% | 21.27x | 0.00x | $417.56 Million |
| 2019 | -11.41% | -54.15% | 0.06x | 3.47x | $-449.76 Million |
| 2020 | -7.34% | -29.83% | 0.09x | 2.80x | $-529.41 Million |
| 2021 | -10.30% | -44.49% | 0.12x | 1.95x | $-953.71 Million |
| 2022 | -5.80% | -18.18% | 0.09x | 3.44x | $-873.25 Million |
| 2023 | -5.41% | -14.66% | 0.07x | 5.41x | $-856.24 Million |
| 2024 | 7.64% | 19.09% | 0.07x | 5.56x | $-153.85 Million |
| 2025 | 4.59% | 10.09% | 0.09x | 4.83x | $-567.63 Million |
Industry Comparison
This section compares SoFi Technologies Inc.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,603,214,276
- Average return on equity (ROE) among peers: 5.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SoFi Technologies Inc. (SOFI) | $10.49 Billion | 0.00% | 3.83x | $20.75 Billion |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.27 Billion | 14.01% | 20.49x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $992.48 Million | 10.95% | 23.54x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $211.13 Million | 2.74% | 0.29x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.90 Billion | 4.80% | 12.80x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $447.87 Million | 1.31% | 0.16x | $958.76 Million |
| American Express Company (AXP) | $15.32 Billion | 19.49% | 10.42x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $362.39 Million | -5.88% | 2.92x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $248.99 Million | 0.60% | 3.48x | $5.39 Billion |
About SoFi Technologies Inc.
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong. The company operates through three segments: Lending, Technology Platform, and Financial Services. It offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money; and personal loans, student loans, home loans, and … Read more