SoFi Technologies, Inc. SOFI NASDAQ

SoFi Technologies, Inc. (SOFI) reported exceptional year-over-year revenue growth of +69.8% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed earnings decline of -3.5% YoY, reaching $174M in the latest quarter. The net profit margin is 13%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 73.4% (high), down 26.4pp vs the prior year. With a $23B market cap, MOAT composite score of 65/100 (moderate competitive position).

Criteria proven by this page:

• GROWTH (100/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (50/100, Pass) — proving consistent earnings. Looking at the full 9-year annual history, the company was profitable in 3 of 9 years — a mixed long-term record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (65/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 63/100 with 2/7 criteria passed.