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SOFI Stock — SoFi Technologies Inc.
SoFi Technologies Inc. (SOFI)
Updated October 16, 2026.
SOFI is a Stock. Total return is 38.8% over the past 5.9 years, 89.8 points behind SPY at 128.6%.
SoFi Technologies operates a digital financial services platform in the United States and select international markets, offering lending products including personal, student, and home loans, as well as banking services through its SoFi Money checking and savings accounts, investment platforms, cryptocurrency trading, credit cards, and software licensing through its Galileo and Technisys technology platforms. The company does not currently have an established distribution frequency. SoFi appeals to investors seeking exposure to financial technology and digital banking innovation rather than those focused on dividend income.
SOFI performance versus SPY
Price and return data through 2026-10-16.
Total return is 38.8% over the past 5.9 years, 89.8 points behind SPY at 128.6%. Over the past year its total return — price change plus distributions reinvested — is -45.3%. Its deepest 1-year drawdown was 55.9%.
| Window | Total return | CAGR |
|---|---|---|
| 1M | -13.6% | — |
| 3M | -16.0% | — |
| 6M | -23.5% | — |
| YTD | -44.4% | — |
| 1Y | -45.3% | — |
| 2Y CAGR | — | 20.40% |
| 3Y CAGR | — | 20.80% |
| 5Y CAGR | — | -5.60% |
| Since inception (5.9 years) | 38.8% | 5.70% |
SOFI key facts
- Issuer
- SoFi
- Asset type
- Stock
- Asset class
- Equity
- Inception date
- 11/30/2020
- Distribution frequency
- None
- Last close
- $14.55 (as of 2026-10-16)
- Market cap
- $18,792,348,214
- Average volume
- 59234438.0
- Beta
- 2.332
- Payout ratio
- 0.0%
- P/E ratio
- 31.63
- Forward P/E
- 20.7039
- EPS
- $0.46
How Dividend Vision calculates yield and returns
Distribution rate (the posted rate) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.
Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology
Sources and review
Primary sources: SoFi or company page; prices and distributions from Dividend Vision, derived from vendor EOD data.
Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.
SOFI risks and drawbacks
Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 55.9%.
Who may consider SOFI — and who may not
It is a weaker fit for investors who need monthly cash flow (SOFI does not currently distribute); investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.
More on SOFI
Frequently asked questions
Does SOFI pay monthly?
No. SOFI does not currently distribute.
When does SOFI pay a dividend?
SOFI does not currently distribute.
How has SOFI performed?
Total return is 38.8% over the past 5.9 years, 89.8 points behind SPY at 128.6%. Over the past year its total return — price change plus distributions reinvested — is -45.3%. Its deepest 1-year drawdown was 55.9%.
More securities from SoFi.
Tickers
Holdings as-of date unavailable.
| Ticker | Name | Weight |
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