# SoFi Technologies, Inc.

Summary updated: 2026-10-02T11:38:07.459385Z
Canonical: https://finbar.com/research/companies/sofi-technologies-inc

## Overview

SoFi Technologies, Inc. is a financial-services and financial-technology company whose business comprises Lending, Financial Services, and Technology Platform segments. Its integrated platform offers members services for borrowing, saving, spending, investing, and managing their finances; its lending products include student, personal, and home loans. [1](https://app.finbar.com/go?id=P150181098)[2](https://app.finbar.com/go?id=P592769) The company describes its mission as helping people “get their money right.” [3](https://www.sofi.com/change/)

SoFi is primarily U.S.-focused: it reported $3.365 billion of U.S. revenue and $248.7 million from foreign countries for FY2025, while its technology-platform customers and partners are primarily in North America and Latin America. [4](https://app.finbar.com/go?id=T6180715)[5](https://app.finbar.com/go?id=P150181953) It reported $3.613 billion in net revenue for FY2025 and 15.8 million members as of Q2 2026. [6](https://app.finbar.com/go?id=T12240896)[7](https://app.finbar.com/go?id=P144191781)
[1](https://app.finbar.com/go?id=P150181098)[2](https://app.finbar.com/go?id=P592769)[3](https://www.sofi.com/change/)[4](https://app.finbar.com/go?id=T6180715)[5](https://app.finbar.com/go?id=P150181953)[6](https://app.finbar.com/go?id=T12240896)[7](https://app.finbar.com/go?id=P144191781)[3](https://www.sofi.com/change/)

## Products & services

SoFi’s consumer products include personal loans, student-loan refinancing and in-school loans, and home lending. Student refinancing loans are generally $5,000 or more with 5–20-year terms; in-school loans generally start at $1,000. Home lending includes agency and non-agency mortgages, FHA and VA loans, home-equity loans and HELOCs. Reported capabilities include down payments starting at 3% for some mortgages (0% for VA), jumbo loans up to $3 million, and fixed-rate home-equity loans up to $750,000. [8](https://app.finbar.com/go?id=P150181938)[9](https://app.finbar.com/go?id=P150181939) The Loan Platform Business also offers partner lending services, including end-to-end loan origination and servicing and referrals to pre-qualified borrowers. [10](https://app.finbar.com/go?id=P106049076)

Financial-services products include SoFi Money checking, savings and cash-management accounts; SoFi Invest; SoFi Credit Card; SoFi Crypto; SoFi Relay; SoFi At Work; SoFi Plus; and SoFi Coach. SoFi Crypto supports buying, selling and holding digital assets. [11](https://app.finbar.com/go?id=P150181910)[12](https://app.finbar.com/go?id=P150181165) Credit-card rewards can be redeemed as statement credit or directed to other SoFi products; the Smart Card is a secured charge card linked to SoFi Checking and Savings, with rewards and credit-building features. [13](https://app.finbar.com/go?id=P150181971)[14](https://app.finbar.com/go?id=P150181982) SoFi Coach is an AI-powered financial guide, and SoFi Plus offers paid membership benefits including enhanced Money interest and an Invest deposit match. [15](https://app.finbar.com/go?id=P162724850)[11](https://app.finbar.com/go?id=P150181910)

For businesses and institutional partners, the Technology Platform offers API-accessed event and authorization capabilities, a cloud-native digital/core-banking platform, and related services. Galileo infrastructure supports account setup and funding, direct deposit, authorizations and processing, payments, and balance checks; Technisys provides software licenses, implementation and maintenance. [5](https://app.finbar.com/go?id=P150181953)[16](https://app.finbar.com/go?id=P65845870) SoFi also announced fixed Small Business Loans of up to $250,000 for eligible businesses. [17](https://investors.sofi.com/news/news-details/2026/SoFi-Introduces-Small-Business-Loans-to-Help-Members-Pursue-Their-Business-Ambitions/default.aspx) In Q2 2026, segment net revenue was $724.8 million for Lending, $84.5 million for Technology Platform, and $466.3 million for Financial Services—approximately 56.8%, 6.6%, and 36.6% of the $1,275.6 million total, respectively. These are calculated segment shares; individual-product revenue percentages were not reported in the cited data. [18](https://app.finbar.com/go?id=T17188960)
[8](https://app.finbar.com/go?id=P150181938)[9](https://app.finbar.com/go?id=P150181939)[10](https://app.finbar.com/go?id=P106049076)[11](https://app.finbar.com/go?id=P150181910)[12](https://app.finbar.com/go?id=P150181165)[13](https://app.finbar.com/go?id=P150181971)[14](https://app.finbar.com/go?id=P150181982)[15](https://app.finbar.com/go?id=P162724850)[5](https://app.finbar.com/go?id=P150181953)[16](https://app.finbar.com/go?id=P65845870)[18](https://app.finbar.com/go?id=T17188960)[18](https://app.finbar.com/go?id=T17188960)[18](https://app.finbar.com/go?id=T17188960)[18](https://app.finbar.com/go?id=T17188960)[17](https://investors.sofi.com/news/news-details/2026/SoFi-Introduces-Small-Business-Loans-to-Help-Members-Pursue-Their-Business-Ambitions/default.aspx)

## Geographic presence

SoFi Technologies operates primarily in the United States. Its international activity includes Technology Platform business in Latin America and Canada, and digital-asset trading in the United States and Hong Kong. [19](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm) [20](https://app.finbar.com/go?id=P95739777)

The company’s listed principal executive office is at 234 1st Street, San Francisco, California 94105. [21](https://app.finbar.com/go?id=P150180970) The filings reviewed do not provide revenue by country or region, or a geographic breakdown of employees. [19](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm)
[20](https://app.finbar.com/go?id=P95739777)[21](https://app.finbar.com/go?id=P150180970)[19](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm)

## Business segments

SoFi Technologies reports three business segments: Lending, Technology Platform, and Financial Services [22](https://app.finbar.com/go?id=P72674136). Lending includes personal, student, and home lending and related servicing [23](https://app.finbar.com/go?id=P111467868). Technology Platform includes Galileo’s platform-as-a-service infrastructure and Technisys’s digital banking platform, including related software and support services [16](https://app.finbar.com/go?id=P65845870). Financial Services includes SoFi Money, Invest, credit cards, the Loan Platform Business, SoFi Crypto, Relay, and other financial services [10](https://app.finbar.com/go?id=P106049076).

For FY2025, segment net revenue was $1,848.9 million for Lending (about 51.2% of consolidated net revenue), $450.2 million for Technology Platform (about 12.5%), and $1,542.0 million for Financial Services (about 42.7%) [24](https://app.finbar.com/go?id=T7647025). Consolidated net revenue was $3,613.4 million [6](https://app.finbar.com/go?id=T12240896). The segment percentages exceed 100% in aggregate because reported segment revenue includes intercompany revenue that is eliminated upon consolidation [25](https://app.finbar.com/go?id=P71443838). Corporate/Other is presented as a reconciliation category, not a fourth reportable segment [24](https://app.finbar.com/go?id=T7647025).
[22](https://app.finbar.com/go?id=P72674136)[23](https://app.finbar.com/go?id=P111467868)[16](https://app.finbar.com/go?id=P65845870)[10](https://app.finbar.com/go?id=P106049076)[24](https://app.finbar.com/go?id=T7647025)[6](https://app.finbar.com/go?id=T12240896)[25](https://app.finbar.com/go?id=P71443838)[24](https://app.finbar.com/go?id=T7647025)

## Company history

SoFi Technologies traces its beginnings to August 2011, when Stanford business-school students Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady founded Social Finance around an alumni-funded student-loan pilot. In 2012, the company expanded its student-lending program to additional universities and began refinancing loans for graduates. [26](https://www.sofi.com/our-story/)[27](https://poetsandquants.com/2015/03/02/sofi-stanford-born-startup-bumps-the-banks/2/)[28](https://www.sofi.com/press/press-release-sofi-leverages-alumni-communities-to-transform-broken-student-loan-industry/)[29](https://www.sofi.com/press/sofis-innovative-alumni-funded-student-loan-is-now-available-at-27-universities/)

The company broadened beyond student lending with mortgage loans in 2014 and personal loans in 2015. In 2017 it acquired mobile-banking technology company Zenbanx. Co-founder Mike Cagney left as CEO that year, and Anthony Noto took over in March 2018. SoFi made its Money and Invest products available in 2019, extending its offerings into banking and investing. [30](https://www.sofi.com/newsroom/sofi-surpasses-billion-dollars-loans-funded-leading-marketplace-lender-extends-product-line-offer-mortgages/)[31](https://www.sofi.com/press/sofi-extends-product-line-personal-loans/)[32](https://www.prnewswire.com/news-releases/sofi-acquires-zenbanx-to-supercharge-banking-product-development-300400201.html)[33](https://www.sofi.com/newsroom/sofi-executive-chairman-tom-hutton-assumes-role-interim-ceo/)[34](https://www.sofi.com/press/sofi-names-anthony-noto-chief-executive-officer/)[35](https://www.sofi.com/press/sofi-announces-availability-sofi-money-invest-products-help-get-money-right/)

SoFi agreed to acquire financial-technology platform Galileo in 2020. It became publicly traded in 2021 after completing a merger with Social Capital Hedosophia Holdings Corp. V. In 2022, regulatory approvals enabled its transition to a bank holding company; it acquired Golden Pacific Bancorp and completed its acquisition of financial-technology company Technisys that year. [36](https://www.sofi.com/press/sofi-to-acquire-galileo/)[37](https://www.sofi.com/newsroom/sofi-leading-next-generation-financial-services-platform-become-publicly-traded-following-business-combination-social-capital-hedosophia-v/)[38](https://app.finbar.com/go?id=P54055737)[39](https://app.finbar.com/go?id=P27310579)[40](https://app.finbar.com/go?id=P79025207)
[26](https://www.sofi.com/our-story/)[27](https://poetsandquants.com/2015/03/02/sofi-stanford-born-startup-bumps-the-banks/2/)[28](https://www.sofi.com/press/press-release-sofi-leverages-alumni-communities-to-transform-broken-student-loan-industry/)[29](https://www.sofi.com/press/sofis-innovative-alumni-funded-student-loan-is-now-available-at-27-universities/)[30](https://www.sofi.com/newsroom/sofi-surpasses-billion-dollars-loans-funded-leading-marketplace-lender-extends-product-line-offer-mortgages/)[31](https://www.sofi.com/press/sofi-extends-product-line-personal-loans/)[32](https://www.prnewswire.com/news-releases/sofi-acquires-zenbanx-to-supercharge-banking-product-development-300400201.html)[33](https://www.sofi.com/newsroom/sofi-executive-chairman-tom-hutton-assumes-role-interim-ceo/)[34](https://www.sofi.com/press/sofi-names-anthony-noto-chief-executive-officer/)[35](https://www.sofi.com/press/sofi-announces-availability-sofi-money-invest-products-help-get-money-right/)[36](https://www.sofi.com/press/sofi-to-acquire-galileo/)[37](https://www.sofi.com/newsroom/sofi-leading-next-generation-financial-services-platform-become-publicly-traded-following-business-combination-social-capital-hedosophia-v/)[38](https://app.finbar.com/go?id=P54055737)[39](https://app.finbar.com/go?id=P27310579)[40](https://app.finbar.com/go?id=P79025207)[26](https://www.sofi.com/our-story/)[27](https://poetsandquants.com/2015/03/02/sofi-stanford-born-startup-bumps-the-banks/2/)[28](https://www.sofi.com/press/press-release-sofi-leverages-alumni-communities-to-transform-broken-student-loan-industry/)[29](https://www.sofi.com/press/sofis-innovative-alumni-funded-student-loan-is-now-available-at-27-universities/)[30](https://www.sofi.com/newsroom/sofi-surpasses-billion-dollars-loans-funded-leading-marketplace-lender-extends-product-line-offer-mortgages/)[31](https://www.sofi.com/press/sofi-extends-product-line-personal-loans/)[32](https://www.prnewswire.com/news-releases/sofi-acquires-zenbanx-to-supercharge-banking-product-development-300400201.html)[33](https://www.sofi.com/newsroom/sofi-executive-chairman-tom-hutton-assumes-role-interim-ceo/)[34](https://www.sofi.com/press/sofi-names-anthony-noto-chief-executive-officer/)[35](https://www.sofi.com/press/sofi-announces-availability-sofi-money-invest-products-help-get-money-right/)[36](https://www.sofi.com/press/sofi-to-acquire-galileo/)[37](https://www.sofi.com/newsroom/sofi-leading-next-generation-financial-services-platform-become-publicly-traded-following-business-combination-social-capital-hedosophia-v/)

## Sources

1. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181098)
2. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P592769)
3. [www.sofi.com](https://www.sofi.com/change/)
4. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T6180715)
5. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181953)
6. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T12240896)
7. [SoFi Technologies, Inc. — Press release (2026 Q 2)](https://app.finbar.com/go?id=P144191781)
8. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181938)
9. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181939)
10. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P106049076)
11. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181910)
12. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181165)
13. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181971)
14. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150181982)
15. [SoFi Technologies, Inc. — Presentation (2026 Q 2), p3](https://app.finbar.com/go?id=P162724850)
16. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P65845870)
17. [investors.sofi.com](https://investors.sofi.com/news/news-details/2026/SoFi-Introduces-Small-Business-Loans-to-Help-Members-Pursue-Their-Business-Ambitions/default.aspx)
18. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17188960)
19. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/1818874/000181887426000013/sofi-20251231.htm)
20. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P95739777)
21. [SoFi Technologies, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150180970)
22. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P72674136)
23. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P111467868)
24. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T7647025)
25. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P71443838)
26. [www.sofi.com](https://www.sofi.com/our-story/)
27. [poetsandquants.com](https://poetsandquants.com/2015/03/02/sofi-stanford-born-startup-bumps-the-banks/2/)
28. [www.sofi.com](https://www.sofi.com/press/press-release-sofi-leverages-alumni-communities-to-transform-broken-student-loan-industry/)
29. [www.sofi.com](https://www.sofi.com/press/sofis-innovative-alumni-funded-student-loan-is-now-available-at-27-universities/)
30. [www.sofi.com](https://www.sofi.com/newsroom/sofi-surpasses-billion-dollars-loans-funded-leading-marketplace-lender-extends-product-line-offer-mortgages/)
31. [www.sofi.com](https://www.sofi.com/press/sofi-extends-product-line-personal-loans/)
32. [www.prnewswire.com](https://www.prnewswire.com/news-releases/sofi-acquires-zenbanx-to-supercharge-banking-product-development-300400201.html)
33. [www.sofi.com](https://www.sofi.com/newsroom/sofi-executive-chairman-tom-hutton-assumes-role-interim-ceo/)
34. [www.sofi.com](https://www.sofi.com/press/sofi-names-anthony-noto-chief-executive-officer/)
35. [www.sofi.com](https://www.sofi.com/press/sofi-announces-availability-sofi-money-invest-products-help-get-money-right/)
36. [www.sofi.com](https://www.sofi.com/press/sofi-to-acquire-galileo/)
37. [www.sofi.com](https://www.sofi.com/newsroom/sofi-leading-next-generation-financial-services-platform-become-publicly-traded-following-business-combination-social-capital-hedosophia-v/)
38. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P54055737)
39. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P27310579)
40. [SoFi Technologies, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P79025207)

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