SoFi Technologies Inc. Net Assets
SoFi Technologies Inc. net assets. Based on the latest financial reports, SoFi Technologies Inc. (SOFI) has net assets worth $10.81 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($53.70 Billion) and total liabilities ($42.89 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. Also explore SOFI year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $10.81 Billion |
| % of Total Assets | 20.13% |
| Annual Growth Rate | N/A |
| 5-Year Change | 123.29% |
| 10-Year Change | N/A |
| Growth Volatility | 21.95 |
Net Assets of SoFi Technologies Inc. (2018–2025)
Net assets of SoFi Technologies Inc. from 2018 to 2025. This chart illustrates how SoFi Technologies Inc.'s net assets have evolved over time, based on quarterly financial data. See SOFI equity to assets ratio to measure how much of total assets are equity-financed.
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 market cap and overall valuation, see SOFI stock market capitalisation.
| 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.
SoFi Technologies Inc. Net Assets Breakdown (December 2025)
SoFi Technologies Inc. net assets breakdown by equity component as of 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 |
|---|---|
|
AVIVA PLC SPONS.ADR/2
F:GU80
|
$22.30 Billion |
|
Baidu Inc
NASDAQ:BIDU
|
$22.38 Billion |
|
PulteGroup Inc
NYSE:PHM
|
$22.39 Billion |
|
Affirm Holdings Inc
NASDAQ:AFRM
|
$22.44 Billion |
|
CMS Energy Corporation
NYSE:CMS
|
$22.26 Billion |
|
CHINA RES.LAND UNS.ADR/10
F:CHZ0
|
$22.25 Billion |
|
Liberty Media Corporation Series C Liberty Formula One Common Stock
NASDAQ:FWONK
|
$22.18 Billion |
|
Chaozhou Three-circle Group Co Ltd
SHE:300408
|
$22.18 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: 2.07x
- 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 | $17.38 | x |
| 2019-12-31 | $4.52 | $17.38 | x |
| 2020-12-31 | $6.57 | $17.38 | x |
| 2021-12-31 | $8.92 | $17.38 | x |
| 2022-12-31 | $6.14 | $17.38 | x |
| 2023-12-31 | $5.88 | $17.38 | x |
| 2024-12-31 | $5.92 | $17.38 | x |
| 2025-12-31 | $8.38 | $17.38 | 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: $9,795,189,665
- Average return on equity (ROE) among peers: 13.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SoFi Technologies Inc. (SOFI) | $10.81 Billion | 0.00% | 3.97x | $22.29 Billion |
| Affirm Holdings Inc (AFRM) | $-263.41 Million | 0.00% | 0.00x | $22.44 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $478.88 Million | 6.68% | 18.80x | $1.92 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $248.49 Million | 12.88% | 18.94x | $146.37 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $12.14 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $41.06 Million |
| Atlanticus Holdings Corporation (ATLC) | $446.48 Million | 0.64% | 0.20x | $1.42 Billion |
| American Express Company (AXP) | $22.00 Billion | 31.46% | 7.59x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.63 Billion | 19.24% | 6.70x | $3.87 Billion |
| Credit Acceptance Corporation (CACC) | $702.20 Million | 37.91% | 2.97x | $5.18 Billion |
| Capital One Financial Corporation (COF) | $58.01 Billion | 9.56% | 5.73x | $126.57 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