SoFi Technologies (SOFI) Financials

$26.19 -2.26 (-7.93%)

Closing price 10/10/2025 03:59 PM Eastern

Extended Trading

$26.46 +0.27 (+1.02%)

As of 10/10/2025 08:00 PM Eastern

Annual Income Statements for SoFi Technologies

This table shows SoFi Technologies' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-240	-224	-484	-320	-301	499
Consolidated Net Income / (Loss)	-240	-224	-484	-320	-301	499
Net Income / (Loss) Continuing Operations	-240	-224	-484	-320	-301	499
Total Pre-Tax Income	-240	-329	-481	-319	-301	233
Total Revenue	443	566	985	1,574	2,123	2,675
Net Interest Income / (Expense)	330	178	252	584	1,262	1,716
Total Interest Income	608	364	355	773	2,051	2,808
Loans and Leases Interest Income	570	330	352	760	1,944	2,602
Other Interest Income	11	9.15	3.05	14	107	206
Total Interest Expense	278	186	103	189	789	1,091
Deposits Interest Expense	-	0.00	0.00	170	752	1,043
Long-Term Debt Interest Expense	273	183	101	18	37	48
Other Interest Expense	5.33	2.48	1.95	0.92	0.45	0.44
Total Non-Interest Income	113	388	733	989	861	958
Service Charges on Deposit Accounts	-	90	-2.28	305	324	351
Other Service Charges	13	-3.60	543	119	165	352
Other Non-Interest Income	299	371	-	565	372	256
Total Non-Interest Expense	682	894	1,466	1,838	2,369	2,410
Marketing Expense	414	478	703	1,023	1,231	1,348
Other Operating Expenses	269	416	763	869	946	1,093
Impairment Charge	-	-	0.00	0.00	247	0.00
Income Tax Expense	0.10	-104	2.76	1.69	-0.42	-265
Basic Earnings per Share	($4.02)	($4.30)	($1.00)	($0.40)	($0.36)	$0.46
Weighted Average Basic Shares Outstanding	65.62M	73.85M	526.73M	900.89M	945.02M	1.05B
Diluted Earnings per Share	($4.02)	($4.30)	($1.00)	($0.40)	($0.36)	$0.39
Weighted Average Diluted Shares Outstanding	65.62M	73.85M	526.73M	900.89M	945.02M	1.10B
Weighted Average Basic & Diluted Shares Outstanding	-	-	828.59M	934.55M	976.74M	1.10B
Cash Dividends to Common per Share	-	-	-	$0.00	$0.00	$0.00

This table shows SoFi Technologies' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	-32	-34	-46	-267	47	87	17	61	332	71	97
Consolidated Net Income / (Loss)	-40	-34	-48	-267	48	88	17	61	332	71	97
Net Income / (Loss) Continuing Operations	-40	-34	-48	-267	48	88	17	61	332	71	97
Total Pre-Tax Income	-39	-36	-49	-267	51	94	15	64	60	80	112
Total Revenue	457	472	498	537	615	645	599	697	734	772	855
Net Interest Income / (Expense)	209	236	291	345	390	403	413	431	470	499	518
Total Interest Income	307	372	470	564	645	666	675	723	744	764	792
Loans and Leases Interest Income	308	360	445	540	599	620	621	672	689	713	739
Other Interest Income	7.11	11	25	24	46	46	54	51	55	51	54
Total Interest Expense	99	136	179	219	256	263	262	292	274	265	275
Deposits Interest Expense	151	73	107	209	363	211	249	279	320	254	263
Long-Term Debt Interest Expense	-52	62	72	9.78	-108	52	13	13	-46	11	12
Other Interest Expense	0.12	0.11	0.11	0.11	0.11	-	0.11	0.11	0.11	0.12	0.18
Total Non-Interest Income	248	236	207	192	226	242	186	266	264	273	337
Service Charges on Deposit Accounts	81	73	82	82	87	86	147	91	88	86	162
Other Service Charges	35	40	34	35	56	100	39	105	102	138	175
Provision for Credit Losses	-	-	-	-	-	7.18	12	-	-	5.68	10
Total Non-Interest Expense	441	508	547	804	509	544	572	633	642	686	733
Marketing Expense	287	292	310	312	317	298	317	355	378	394	417
Other Operating Expenses	209	216	238	245	248	245	255	279	296	292	316
Income Tax Expense	1.06	-1.64	-1.78	-0.24	3.25	6.18	-2.06	3.11	-273	8.67	15
Basic Earnings per Share	($0.05)	($0.05)	($0.06)	($0.29)	$0.04	$0.08	$0.01	$0.06	$0.31	$0.06	$0.09
Weighted Average Basic Shares Outstanding	900.89M	929.27M	936.57M	951.18M	945.02M	982.62M	1.06B	1.07B	1.05B	1.10B	1.11B
Diluted Earnings per Share	($0.05)	($0.05)	($0.06)	($0.29)	$0.04	$0.02	$0.01	$0.05	$0.31	$0.06	$0.08
Weighted Average Diluted Shares Outstanding	900.89M	929.27M	936.57M	951.18M	945.02M	1.04B	1.07B	1.10B	1.10B	1.19B	1.18B
Weighted Average Basic & Diluted Shares Outstanding	934.55M	940.90M	950.11M	958.74M	976.74M	1.06B	1.07B	1.09B	1.10B	1.11B	1.20B

This table details how cash moves in and out of SoFi Technologies' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	153	633	-555	1,078	1,769	-906
Net Cash From Operating Activities	-55	-479	-1,350	-7,256	-7,227	-1,120
Net Cash From Continuing Operating Activities	-55	-479	-1,350	-7,342	-7,227	-1,120
Net Income / (Loss) Continuing Operations	-240	-224	-484	-320	-301	499
Consolidated Net Income / (Loss)	-240	-224	-484	-320	-301	499
Provision For Loan Losses	-	0.00	7.57	-	55	32
Depreciation Expense	16	70	102	151	201	203
Amortization Expense	33	28	18	18	20	13
Non-Cash Adjustments to Reconcile Net Income	121	44	352	323	430	-254
Changes in Operating Assets and Liabilities, net	14	-397	-1,345	-7,514	-7,633	-1,613
Net Cash From Investing Activities	115	259	110	-106	-1,890	-4,821
Net Cash From Continuing Investing Activities	115	259	110	-30	-1,870	-5,480
Purchase of Property, Leasehold Improvements and Equipment	-	0.00	0.00	11	9.78	9.35
Purchase of Investment Securities	-41	-57	-321	-80	-2,413	-6,566
Sale and/or Maturity of Investments	165	324	431	39	533	1,077
Other Investing Activities, net	-9.05	-7.64	0.00	-	0.00	0.00
Net Cash From Financing Activities	93	854	685	8,439	10,886	5,035
Net Cash From Continuing Financing Activities	93	854	685	8,439	10,886	5,035
Net Change in Deposits	-	0.00	0.00	7,153	11,232	6,954
Issuance of Debt	12,400	547	1,192	1,858	521	-1,137
Repayment of Debt	-12,832	4.91	-2,110	-525	-812	-361
Repurchase of Preferred Equity	0.00	0.00	-283	0.00	0.00	-323
Payment of Dividends	-24	-41	-40	-40	-40	-17
Other Financing Activities, Net	-14	-27	1,927	-6.37	-14	-82
Effect of Exchange Rate Changes	-0.01	-0.15	0.05	0.57	0.68	0.00
Cash Interest Paid	225	129	95	151	720	1,118
Cash Income Taxes Paid	0.01	0.53	1.76	2.57	14	27

This table details how cash moves in and out of SoFi Technologies' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Change in Cash & Equivalents	585	1,131	524	-204	319	532	-1,416	238	-260	6.78	-1.53
Net Cash From Operating Activities	-2,419	-2,213	-2,080	-2,687	-248	738	-484	-1,174	-200	22	-1,467
Net Cash From Continuing Operating Activities	-2,505	-2,213	-2,080	-2,737	-198	738	-484	-1,174	-200	22	-1,467
Net Income / (Loss) Continuing Operations	-40	-34	-48	-267	48	88	17	61	332	71	97
Consolidated Net Income / (Loss)	-40	-34	-48	-267	48	88	17	61	332	71	97
Provision For Loan Losses	-	8.41	13	-	-	7.18	12	6.01	6.88	5.68	10
Depreciation Expense	42	45	50	53	53	49	50	52	54	55	57
Amortization Expense	6.19	4.85	5.71	4.49	5.06	4.23	3.98	2.61	2.66	2.44	2.92
Non-Cash Adjustments to Reconcile Net Income	60	62	70	308	-10	-39	33	-29	-216	-13	405
Changes in Operating Assets and Liabilities, net	-2,534	-2,299	-2,171	-2,814	-349	629	-600	-1,265	-380	-100	-2,039
Net Cash From Investing Activities	-51	-40	-268	-169	-1,414	-1,261	-2,195	-84	-1,281	-1,440	-1,722
Net Cash From Continuing Investing Activities	14	-35	-263	-168	-1,405	-1,257	-2,189	-79	-1,955	-1,437	-1,717
Purchase of Property, Leasehold Improvements and Equipment	5.02	2.81	2.25	2.37	2.35	2.13	2.76	2.50	1.97	1.64	2.53
Purchase of Investment Securities	166	-339	-313	-177	-1,584	-1,402	-2,545	-874	-1,745	-1,573	-2,067
Sale and/or Maturity of Investments	-157	302	48	6.55	177	143	353	792	-212	134	347
Net Cash From Financing Activities	3,055	3,384	2,871	2,651	1,980	1,055	1,263	1,495	1,221	1,426	3,188
Net Cash From Continuing Financing Activities	3,055	3,384	2,871	2,651	1,980	1,055	1,263	1,495	1,221	1,426	3,188
Net Change in Deposits	2,294	2,755	2,638	2,904	2,935	2,897	1,400	1,357	1,300	1,481	2,286
Issuance of Debt	1,037	784	521	-62	-722	-1,582	334	186	-76	-31	899
Repayment of Debt	-255	-152	-264	-188	-209	-176	-128	-43	-15	-18	-4.46
Other Financing Activities, Net	-1.39	-2.25	-4.21	-3.18	-4.51	-84	-3.83	-4.75	11	-5.40	-3.70
Effect of Exchange Rate Changes	0.34	-0.29	0.39	0.10	0.48	-0.18	-0.14	0.56	-0.25	-0.27	-0.56

This table presents SoFi Technologies' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	8,563	9,176	19,008	30,075	36,251
Cash and Due from Banks	873	495	1,422	3,085	2,538
Restricted Cash	451	274	424	531	171
Trading Account Securities	108	589	397	702	1,896
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	-	5,953	13,557	15,397	17,685
Premises and Equipment, Net	81	112	170	217	288
Goodwill	899	899	1,623	1,394	1,394
Intangible Assets	355	285	442	364	298
Other Assets	5,779	571	972	8,386	11,982
Total Liabilities & Shareholders' Equity	8,563	9,176	19,008	30,075	36,251
Total Liabilities	5,510	4,479	13,479	24,520	29,726
Non-Interest Bearing Deposits	-	0.00	77	52	117
Interest Bearing Deposits	-	0.00	7,266	18,569	25,861
Long-Term Debt	4,799	3,948	5,486	5,233	3,093
Other Long-Term Liabilities	711	531	651	666	655
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	-120	4,377	5,208	5,235	6,525
Total Preferred & Common Equity	-120	4,377	5,208	5,235	6,525
Total Common Equity	-120	4,377	5,208	5,235	6,525
Common Stock	579	5,562	6,720	7,040	7,839
Retained Earnings	-699	-1,183	-1,504	-1,804	-1,306
Accumulated Other Comprehensive Income / (Loss)	-0.17	-1.47	-8.30	-1.21	-8.37

This table presents SoFi Technologies' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025
Total Assets	15,835	22,453	25,561	27,977	31,306	32,642	34,380	37,749	41,112
Cash and Due from Banks	935	2,488	3,016	2,814	3,693	2,335	2,355	2,086	2,123
Restricted Cash	326	490	485	483	455	397	615	630	592
Trading Account Securities	195	360	548	580	973	1,566	1,554	2,153	2,375
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	-	15,858	18,214	20,994	15,116	15,894	17,325	18,226	20,063
Premises and Equipment, Net	164	180	191	202	228	246	266	317	355
Goodwill	1,623	1,623	1,641	1,394	1,394	1,394	1,394	1,394	1,394
Intangible Assets	457	420	412	387	347	331	315	280	264
Other Assets	12,134	1,034	1,043	1,124	9,099	10,479	10,557	12,664	13,948
Total Liabilities & Shareholders' Equity	15,835	22,453	25,561	27,977	31,306	32,642	34,380	37,749	41,112
Total Liabilities	10,334	16,899	19,983	22,603	25,160	26,740	28,259	31,071	34,252
Non-Interest Bearing Deposits	90	72	68	65	54	51	56	120	130
Interest Bearing Deposits	4,942	10,016	12,672	15,607	21,550	22,946	24,352	27,136	29,411
Long-Term Debt	4,569	6,126	6,484	6,241	2,891	3,107	3,180	3,046	3,943
Other Long-Term Liabilities	733	685	748	690	664	637	671	768	768
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	5,181	5,234	5,258	5,053	5,826	5,901	6,121	6,679	6,861
Total Preferred & Common Equity	5,181	5,234	5,258	5,053	5,826	5,901	6,121	6,679	6,861
Total Common Equity	5,181	5,234	5,258	5,053	5,826	5,901	6,121	6,679	6,861
Common Stock	6,654	6,778	6,848	6,905	7,544	7,602	7,751	7,910	7,994
Retained Earnings	-1,464	-1,538	-1,585	-1,852	-1,716	-1,699	-1,638	-1,234	-1,137
Accumulated Other Comprehensive Income / (Loss)	-9.60	-6.34	-5.12	0.60	-2.09	-1.48	8.11	2.83	3.59

This table displays calculated financial ratios and metrics derived from SoFi Technologies' official financial filings.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	27.76%	74.15%	59.77%	34.91%	26.01%
EBITDA Growth	0.00%	-20.97%	-56.84%	73.78%	73.94%	2,052.10%
EBIT Growth	0.00%	-37.11%	-46.47%	45.05%	6.87%	207.65%
NOPAT Growth	0.00%	-37.11%	-46.47%	33.76%	5.51%	336.55%
Net Income Growth	0.00%	6.53%	-115.99%	33.79%	6.14%	265.81%
EPS Growth	0.00%	-6.97%	76.74%	60.00%	10.00%	208.33%
Operating Cash Flow Growth	0.00%	-775.77%	-181.68%	-437.38%	0.40%	84.51%
Free Cash Flow Firm Growth	0.00%	0.00%	86.02%	-129.36%	100.58%	9,124.02%
Invested Capital Growth	0.00%	0.00%	10.10%	27.40%	-2.05%	-8.33%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	12.20%	8.08%	4.64%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	60.11%	80.31%	-3.36%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	32.07%	26.93%	-5.18%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	18.11%	23.03%	132.91%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	18.14%	22.62%	132.91%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-150.63%	20.00%	225.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	-1,141.59%	-19.47%	23.10%	4.10%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	100.83%	-44.73%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	9.38%	-7.12%	6.33%
Profitability Metrics	-	-	-	-	-	-
EBITDA Margin	-43.02%	-40.74%	-36.69%	-6.02%	-1.16%	18.02%
EBIT Margin	-54.13%	-58.09%	-48.86%	-16.80%	-11.60%	9.91%
Profit (Net Income) Margin	-54.15%	-39.62%	-49.14%	-20.36%	-14.17%	18.64%
Tax Burden Percent	100.04%	68.20%	100.57%	100.53%	99.86%	213.70%
Interest Burden Percent	100.00%	100.00%	100.00%	120.55%	122.32%	88.04%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	-113.70%
Return on Invested Capital (ROIC)	0.00%	-5.86%	-4.08%	-2.27%	-1.93%	4.82%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-5.61%	-7.45%	-4.33%	-3.61%	4.82%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-8.82%	-8.40%	-4.00%	-3.49%	3.43%
Return on Equity (ROE)	0.00%	-14.67%	-12.49%	-6.27%	-5.43%	8.26%
Cash Return on Invested Capital (CROIC)	0.00%	-205.86%	-13.70%	-26.37%	0.14%	13.51%
Operating Return on Assets (OROA)	0.00%	-3.84%	-5.42%	-1.88%	-1.00%	0.80%
Return on Assets (ROA)	0.00%	-2.62%	-5.46%	-2.27%	-1.23%	1.50%
Return on Common Equity (ROCE)	0.00%	0.58%	-6.86%	-5.87%	-5.11%	8.04%
Return on Equity Simple (ROE_SIMPLE)	0.00%	186.53%	-11.06%	-6.15%	-5.75%	7.64%
Net Operating Profit after Tax (NOPAT)	-168	-230	-337	-223	-211	499
NOPAT Margin	-37.89%	-40.66%	-34.20%	-14.18%	-9.93%	18.64%
Net Nonoperating Expense Percent (NNEP)	0.00%	-0.25%	3.36%	2.06%	1.68%	0.00%
SG&A Expenses to Revenue	93.45%	84.48%	71.38%	65.02%	57.98%	50.40%
Operating Expenses to Revenue	154.13%	158.09%	148.86%	116.80%	111.60%	90.09%
Earnings before Interest and Taxes (EBIT)	-240	-329	-481	-264	-246	265
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-190	-230	-361	-95	-25	482
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	2.91	0.82	1.82	2.56
Price to Tangible Book Value (P/TBV)	0.00	0.00	3.99	1.36	2.74	3.46
Price to Revenue (P/Rev)	1.58	2.21	12.95	2.72	4.49	6.25
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	33.51
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	2.98%
Enterprise Value to Invested Capital (EV/IC)	0.00	1.01	1.88	0.75	1.06	1.73
Enterprise Value to Revenue (EV/Rev)	0.00	13.97	16.51	5.24	5.41	6.41
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	35.59
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	64.72
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	34.40
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	757.83	12.28
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.00	1.57	0.84	0.99	0.94	0.49
Long-Term Debt to Equity	0.00	1.57	0.84	0.99	0.94	0.49
Financial Leverage	0.00	1.57	1.13	0.92	0.97	0.71
Leverage Ratio	0.00	2.80	2.29	2.76	4.43	5.51
Compound Leverage Factor	0.00	2.80	2.29	3.32	5.42	4.85
Debt to Total Capital	0.00%	61.11%	45.66%	49.81%	48.51%	32.72%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	61.11%	45.66%	49.81%	48.51%	32.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	40.42%	3.71%	2.91%	2.97%	0.00%
Common Equity to Total Capital	0.00%	-1.53%	50.63%	47.28%	48.52%	67.28%
Debt to EBITDA	0.00	-20.83	-10.93	-57.91	-211.94	6.58
Net Debt to EBITDA	0.00	-15.09	-8.80	-38.42	-65.52	0.92
Long-Term Debt to EBITDA	0.00	-20.83	-10.93	-57.91	-211.94	6.58
Debt to NOPAT	0.00	-20.87	-11.72	-24.59	-24.83	6.36
Net Debt to NOPAT	0.00	-15.11	-9.44	-16.31	-7.67	0.89
Long-Term Debt to NOPAT	0.00	-20.87	-11.72	-24.59	-24.83	6.36
Noncontrolling Interest Sharing Ratio	0.00%	103.93%	45.08%	6.27%	5.78%	2.65%
Liquidity Ratios	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-8,082	-1,130	-2,592	15	1,397
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	-43.55	-10.99	-13.69	0.02	1.28
Operating Cash Flow to Interest Expense	-0.20	-2.58	-13.14	-38.34	-9.16	-1.03
Operating Cash Flow Less CapEx to Interest Expense	-0.20	-2.58	-13.14	-38.28	-9.14	-1.02
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.00	0.07	0.11	0.11	0.09	0.08
Fixed Asset Turnover	0.00	6.94	10.19	11.16	10.97	10.60
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	0.00	7,852	8,646	11,014	10,788	9,890
Invested Capital Turnover	0.00	0.14	0.12	0.16	0.19	0.26
Increase / (Decrease) in Invested Capital	0.00	7,852	793	2,369	-226	-898
Enterprise Value (EV)	0.00	7,901	16,257	8,238	11,478	17,155
Market Capitalization	700	1,252	12,757	4,278	9,539	16,711
Book Value per Share	$0.00	($1.19)	$5.42	$5.61	$5.46	$6.01
Tangible Book Value per Share	$0.00	($13.66)	$3.96	$3.39	$3.63	$4.45
Total Capital	0.00	7,852	8,646	11,014	10,788	9,699
Total Debt	0.00	4,799	3,948	5,486	5,233	3,174
Total Long-Term Debt	0.00	4,799	3,948	5,486	5,233	3,174
Net Debt	0.00	3,475	3,180	3,640	1,618	443
Capital Expenditures (CapEx)	0.00	0.00	0.00	-11	-9.78	-9.35
Net Nonoperating Expense (NNE)	72	-5.91	147	97	90	0.00
Net Nonoperating Obligations (NNO)	0.00	4,799	3,948	5,486	5,233	3,365
Total Depreciation and Amortization (D&A)	49	98	120	170	222	217
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	($1.00)	($0.40)	($0.36)	$0.46
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	526.73M	900.89M	945.02M	1.05B
Adjusted Diluted Earnings per Share	$0.00	$0.00	($1.00)	($0.40)	($0.36)	$0.39
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	526.73M	900.89M	945.02M	1.10B
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	828.59M	934.55M	976.74M	1.10B
Normalized Net Operating Profit after Tax (NOPAT)	-168	-230	-337	-223	-38	163
Normalized NOPAT Margin	-37.89%	-40.66%	-34.20%	-14.18%	-1.78%	6.11%
Pre Tax Income Margin	-54.13%	-58.09%	-48.86%	-20.26%	-14.19%	8.72%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	-0.86	-1.77	-4.68	-1.40	-0.31	0.24
NOPAT to Interest Expense	-0.60	-1.24	-3.28	-1.18	-0.27	0.46
EBIT Less CapEx to Interest Expense	-0.86	-1.77	-4.68	-1.34	-0.30	0.25
NOPAT Less CapEx to Interest Expense	-0.60	-1.24	-3.28	-1.12	-0.25	0.47
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	-9.98%	-18.09%	-8.35%	-12.62%	-13.44%	3.31%
Augmented Payout Ratio	-13.65%	-18.11%	-8.46%	-12.62%	-13.44%	3.31%

This table displays calculated financial ratios and metrics derived from SoFi Technologies' official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	59.90%	42.93%	37.37%	26.70%	34.76%	36.61%	20.20%	29.77%	19.29%	19.65%	42.82%
EBITDA Growth	181.05%	118.89%	112.11%	-594.88%	157.51%	941.50%	959.28%	156.34%	-10.19%	-10.81%	149.30%
EBIT Growth	114.05%	67.10%	48.46%	-258.53%	589.74%	361.31%	131.10%	123.92%	-13.63%	-21.33%	631.37%
NOPAT Growth	64.42%	67.10%	48.46%	-258.53%	275.74%	448.81%	150.40%	132.51%	593.91%	-19.23%	458.85%
Net Income Growth	63.96%	68.81%	50.38%	-259.37%	219.76%	355.78%	136.60%	122.78%	593.91%	-19.23%	458.85%
EPS Growth	-104.39%	64.29%	50.00%	-222.22%	180.00%	140.00%	116.67%	117.24%	675.00%	200.00%	700.00%
Operating Cash Flow Growth	-95.65%	-118.82%	-119.98%	6.73%	89.75%	133.36%	76.71%	56.32%	19.29%	-97.09%	-202.85%
Free Cash Flow Firm Growth	0.00%	87.29%	-17.04%	37.76%	111.43%	317.01%	207.15%	237.07%	349.42%	-122.57%	-155.27%
Invested Capital Growth	27.40%	11.80%	30.68%	15.35%	-2.05%	-22.63%	-25.32%	-19.92%	-8.33%	7.61%	19.93%
Revenue Q/Q Growth	7.71%	3.39%	5.48%	7.87%	14.56%	4.81%	-7.19%	16.46%	5.31%	5.13%	10.78%
EBITDA Q/Q Growth	311.59%	-77.92%	-53.89%	-3,325.60%	178.41%	-10.70%	-53.10%	71.55%	25.01%	-6.99%	24.98%
EBIT Q/Q Growth	120.66%	-334.41%	-36.80%	-441.12%	139.75%	-11.19%	-83.72%	316.26%	43.51%	-12.94%	40.62%
NOPAT Q/Q Growth	47.69%	7.42%	-36.80%	-441.12%	125.64%	83.76%	-80.23%	249.03%	447.33%	-78.61%	36.77%
Net Income Q/Q Growth	46.09%	13.96%	-38.14%	-460.86%	117.97%	83.76%	-80.23%	249.03%	447.33%	-78.61%	36.77%
EPS Q/Q Growth	44.44%	0.00%	-20.00%	-383.33%	113.79%	-50.00%	-50.00%	400.00%	520.00%	-80.65%	33.33%
Operating Cash Flow Q/Q Growth	16.02%	8.52%	6.00%	-29.16%	90.77%	397.75%	-165.61%	-142.29%	82.95%	110.75%	-6,922.19%
Free Cash Flow Firm Q/Q Growth	13.90%	47.48%	-127.82%	39.58%	115.81%	897.08%	12.49%	-22.71%	-48.16%	-150.07%	-175.51%
Invested Capital Q/Q Growth	9.38%	6.04%	3.27%	-3.71%	-7.12%	-16.23%	-0.32%	3.26%	6.33%	-1.67%	11.09%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	14.00%	2.99%	1.31%	-39.08%	26.75%	22.79%	11.52%	16.96%	20.14%	17.82%	20.10%
EBIT Margin	3.37%	-7.64%	-9.91%	-49.69%	17.24%	14.61%	2.56%	9.16%	12.48%	10.34%	13.12%
Profit (Net Income) Margin	-8.76%	-7.29%	-9.55%	-49.64%	7.79%	13.65%	2.91%	8.71%	45.29%	9.21%	11.38%
Tax Burden Percent	102.71%	95.46%	96.39%	99.91%	93.66%	93.44%	113.46%	95.13%	554.82%	89.14%	86.69%
Interest Burden Percent	-253.20%	100.00%	100.00%	100.00%	48.22%	100.00%	100.00%	100.00%	65.39%	100.00%	100.00%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	6.34%	6.56%	-13.46%	4.87%	-454.82%	10.86%	13.31%
Return on Invested Capital (ROIC)	-0.96%	-0.83%	-1.21%	-6.30%	1.52%	3.03%	0.66%	2.13%	11.72%	2.75%	3.51%
ROIC Less NNEP Spread (ROIC-NNEP)	-1.23%	-1.00%	-1.46%	-7.78%	1.52%	3.03%	0.66%	2.13%	11.72%	2.75%	3.51%
Return on Net Nonoperating Assets (RNNOA)	-1.13%	-0.99%	-1.35%	-7.73%	1.47%	2.33%	0.55%	1.75%	8.34%	1.27%	1.94%
Return on Equity (ROE)	-2.09%	-1.82%	-2.55%	-14.03%	2.98%	5.36%	1.21%	3.88%	20.06%	4.03%	5.45%
Cash Return on Invested Capital (CROIC)	-26.37%	-12.70%	-27.91%	-16.78%	0.14%	24.36%	28.29%	24.17%	13.51%	-2.19%	-12.45%
Operating Return on Assets (OROA)	0.38%	-0.76%	-0.96%	-4.46%	1.49%	1.25%	0.21%	0.75%	1.00%	0.84%	1.09%
Return on Assets (ROA)	-0.98%	-0.72%	-0.92%	-4.45%	0.67%	1.17%	0.24%	0.71%	3.64%	0.75%	0.94%
Return on Common Equity (ROCE)	-1.96%	-1.71%	-2.40%	-13.20%	2.81%	5.06%	1.18%	3.77%	19.52%	3.93%	5.45%
Return on Equity Simple (ROE_SIMPLE)	0.00%	-4.67%	-3.73%	-7.69%	0.00%	-3.06%	-1.92%	3.50%	0.00%	7.21%	8.19%
Net Operating Profit after Tax (NOPAT)	-27	-25	-35	-187	48	88	17	61	332	71	97
NOPAT Margin	-5.97%	-5.35%	-6.93%	-34.78%	7.79%	13.65%	2.91%	8.71%	45.29%	9.21%	11.38%
Net Nonoperating Expense Percent (NNEP)	0.27%	0.17%	0.26%	1.48%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	62.84%	61.89%	62.18%	58.16%	51.43%	46.25%	52.94%	50.87%	51.52%	51.10%	48.76%
Operating Expenses to Revenue	96.63%	107.64%	109.91%	149.69%	82.76%	85.39%	97.44%	90.84%	87.52%	88.93%	85.70%
Earnings before Interest and Taxes (EBIT)	15	-36	-49	-267	106	94	15	64	92	80	112
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	64	14	6.51	-210	165	147	69	118	148	138	172
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.82	1.08	1.49	1.50	1.82	1.20	1.18	1.37	2.56	1.91	2.93
Price to Tangible Book Value (P/TBV)	1.36	1.78	2.45	2.32	2.74	1.71	1.67	1.90	3.46	2.55	3.87
Price to Revenue (P/Rev)	2.72	3.31	4.24	3.87	4.49	3.05	2.92	3.28	6.25	4.55	6.58
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	39.25	33.51	26.42	35.79
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.55%	2.98%	3.78%	2.79%
Enterprise Value to Invested Capital (EV/IC)	0.75	0.78	0.92	0.93	1.06	0.67	0.82	0.92	1.73	1.35	1.98
Enterprise Value to Revenue (EV/Rev)	5.24	5.33	6.02	5.53	5.41	2.64	3.07	3.36	6.41	4.67	6.98
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	205.22	0.00	0.00	56.04	43.16	17.22	35.59	27.77	39.28
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	30.73	64.72	52.52	67.64
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	40.11	34.40	27.16	38.03
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	757.83	2.40	2.47	3.40	12.28	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.99	1.10	1.16	1.16	0.94	0.47	0.53	0.52	0.49	0.46	0.57
Long-Term Debt to Equity	0.99	1.10	1.16	1.16	0.94	0.47	0.53	0.52	0.49	0.46	0.57
Financial Leverage	0.92	1.00	0.92	0.99	0.97	0.77	0.84	0.82	0.71	0.46	0.55
Leverage Ratio	2.76	3.13	3.45	4.03	4.43	4.59	5.07	5.42	5.51	5.38	5.78
Compound Leverage Factor	-6.98	3.13	3.45	4.03	2.14	4.59	5.07	5.42	3.61	5.38	5.78
Debt to Total Capital	49.81%	52.44%	53.76%	53.73%	48.51%	31.99%	34.49%	34.19%	32.72%	31.32%	36.50%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	49.81%	52.44%	53.76%	53.73%	48.51%	31.99%	34.49%	34.19%	32.72%	31.32%	36.50%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	2.91%	2.74%	2.66%	2.76%	2.97%	3.55%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	47.28%	44.81%	43.59%	43.51%	48.52%	64.46%	65.51%	65.81%	67.28%	68.68%	63.51%
Debt to EBITDA	-57.91	-1,033.84	119.34	-49.78	-211.94	26.72	18.21	6.38	6.58	6.47	7.25
Net Debt to EBITDA	-38.42	-531.31	54.90	-23.48	-65.52	-11.61	2.20	0.42	0.92	0.70	2.26
Long-Term Debt to EBITDA	-57.91	-1,033.84	119.34	-49.78	-211.94	26.72	18.21	6.38	6.58	6.47	7.25
Debt to NOPAT	-24.59	-35.69	-46.60	-22.79	-24.83	-24.17	-41.79	14.85	6.36	6.32	7.02
Net Debt to NOPAT	-16.31	-18.34	-21.44	-10.75	-7.67	10.51	-5.04	0.98	0.89	0.69	2.19
Long-Term Debt to NOPAT	-24.59	-35.69	-46.60	-22.79	-24.83	-24.17	-41.79	14.85	6.36	6.32	7.02
Noncontrolling Interest Sharing Ratio	6.27%	5.78%	5.78%	5.89%	5.78%	5.48%	2.79%	2.79%	2.65%	2.50%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-2,396	-1,258	-2,867	-1,732	274	2,731	3,072	2,374	1,231	-616	-1,698
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-24.24	-9.28	-16.03	-7.90	1.07	10.38	11.72	8.12	4.50	-2.32	-6.18
Operating Cash Flow to Interest Expense	-24.48	-16.32	-11.63	-12.25	-0.97	2.81	-1.85	-4.01	-0.73	0.08	-5.34
Operating Cash Flow Less CapEx to Interest Expense	-24.43	-16.30	-11.62	-12.24	-0.96	2.81	-1.84	-4.01	-0.72	0.09	-5.33
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.11	0.10	0.10	0.09	0.09	0.09	0.08	0.08	0.08	0.08	0.08
Fixed Asset Turnover	11.16	11.01	10.88	10.72	10.97	11.25	10.95	10.92	10.60	10.29	10.18
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	11,014	11,680	12,062	11,615	10,788	9,037	9,008	9,302	9,890	9,725	10,803
Invested Capital Turnover	0.16	0.16	0.17	0.18	0.19	0.22	0.23	0.24	0.26	0.30	0.31
Increase / (Decrease) in Invested Capital	2,369	1,233	2,832	1,545	-226	-2,643	-3,054	-2,313	-898	687	1,795
Enterprise Value (EV)	8,238	9,141	11,151	10,856	11,478	6,063	7,363	8,589	17,155	13,083	21,357
Market Capitalization	4,278	5,673	7,847	7,591	9,539	6,999	6,988	8,378	16,711	12,753	20,129
Book Value per Share	$5.61	$5.60	$5.59	$5.32	$5.46	$5.93	$5.58	$5.74	$6.01	$6.09	$6.21
Tangible Book Value per Share	$3.39	$3.41	$3.41	$3.44	$3.63	$4.16	$3.95	$4.14	$4.45	$4.56	$4.71
Total Capital	11,014	11,680	12,062	11,615	10,788	9,037	9,008	9,302	9,699	9,725	10,803
Total Debt	5,486	6,126	6,484	6,241	5,233	2,891	3,107	3,180	3,174	3,046	3,943
Total Long-Term Debt	5,486	6,126	6,484	6,241	5,233	2,891	3,107	3,180	3,174	3,046	3,943
Net Debt	3,640	3,148	2,983	2,944	1,618	-1,257	375	210	443	330	1,228
Capital Expenditures (CapEx)	-5.02	-2.81	-2.25	-2.37	-2.35	-2.13	-2.76	-2.50	-1.97	-1.64	-2.53
Net Nonoperating Expense (NNE)	13	9.18	13	80	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	5,486	6,126	6,484	6,241	5,233	2,891	3,107	3,180	3,365	3,046	3,943
Total Depreciation and Amortization (D&A)	49	50	56	57	59	53	54	54	56	58	60
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.05)	($0.05)	($0.06)	($0.29)	$0.04	$0.08	$0.01	$0.06	$0.31	$0.06	$0.09
Adjusted Weighted Average Basic Shares Outstanding	900.89M	929.27M	936.57M	951.18M	945.02M	982.62M	1.06B	1.07B	1.05B	1.10B	1.11B
Adjusted Diluted Earnings per Share	($0.05)	($0.05)	($0.06)	($0.29)	$0.04	$0.02	$0.01	$0.05	$0.31	$0.06	$0.08
Adjusted Weighted Average Diluted Shares Outstanding	900.89M	929.27M	936.57M	951.18M	945.02M	1.04B	1.07B	1.10B	1.10B	1.19B	1.18B
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	934.55M	940.90M	950.11M	958.74M	976.74M	1.06B	1.07B	1.09B	1.10B	1.11B	1.20B
Normalized Net Operating Profit after Tax (NOPAT)	-27	-25	-35	-14	48	88	11	61	42	71	97
Normalized NOPAT Margin	-5.97%	-5.35%	-6.93%	-2.57%	7.79%	13.65%	1.79%	8.71%	5.71%	9.21%	11.38%
Pre Tax Income Margin	-8.53%	-7.64%	-9.91%	-49.69%	8.31%	14.61%	2.56%	9.16%	8.16%	10.34%	13.12%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.16	-0.27	-0.28	-1.22	0.42	0.36	0.06	0.22	0.33	0.30	0.41
NOPAT to Interest Expense	-0.28	-0.19	-0.19	-0.85	0.19	0.33	0.07	0.21	1.21	0.27	0.35
EBIT Less CapEx to Interest Expense	0.21	-0.25	-0.26	-1.21	0.42	0.37	0.07	0.23	0.34	0.31	0.42
NOPAT Less CapEx to Interest Expense	-0.23	-0.17	-0.18	-0.84	0.20	0.34	0.08	0.22	1.22	0.27	0.36
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	-12.62%	0.00%	-20.61%	-10.40%	-13.44%	0.00%	-32.54%	17.23%	3.31%	0.00%	0.00%
Augmented Payout Ratio	-12.62%	0.00%	-20.61%	-10.40%	-13.44%	0.00%	-32.54%	17.23%	3.31%	0.00%	0.00%

Financials Breakdown Chart

Key Financial Trends

SoFi Technologies (NASDAQ: SOFI) has exhibited several financial trends over the last four years through 2025 Q2. Here is a summary highlighting the most relevant positive, neutral, and negative factors based on recent quarterly cash flow, income, and balance sheet data:

Net income has improved steadily, reaching $97.3 million in 2025 Q2 compared to losses in early 2023. This signals improving profitability for SoFi.
Total revenue increased to $854.9 million in 2025 Q2, with both interest and non-interest income contributing. This indicates solid top-line growth.
Net interest income has grown consistently over the quarters, reaching $517.8 million in 2025 Q2, reflecting effective interest-earning asset management.
Deposits, a key funding source, rose significantly to $29.4 billion of interest-bearing deposits in 2025 Q2, allowing for liquidity and asset growth.
Total assets have expanded to $41.1 billion in 2025 Q2 from $15.8 billion in Q3 2022, showing strong balance sheet growth, mainly through loans held for sale.
Operating cash flow was negative $1.47 billion in 2025 Q2, mainly due to changes in operating assets and liabilities. This suggests ongoing working capital needs or growth investments.
Investing cash flow remains negative due to continued purchases of investment securities and equipment, reflecting reinvestment in the business.
Financing activities generated positive net cash of $3.19 billion in 2025 Q2, driven by net deposits increase and debt issuance, indicating active funding strategies.
Marketing and other operating expenses remain high, with marketing expense at $416.9 million and other operating expenses at $315.8 million in 2025 Q2, pressuring margins.
Despite improved net income, earnings per share remains modest at $0.09 basic and $0.08 diluted in 2025 Q2, partly due to share dilution from nearly 1.2 billion weighted average shares outstanding.

Summary: SoFi Technologies is growing its revenue, assets, and deposits significantly while improving profitability, demonstrating business scale and operational progress. However, the company continues to make large investments and marketing spend that impact cash flow and margins. Investors should monitor expense management and sustainable cash flow improvements amid the company's dynamic growth phase.

10/12/25 07:45 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About SoFi Technologies' Financials

When does SoFi Technologies' financial year end?

According to the most recent income statement we have on file, SoFi Technologies' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has SoFi Technologies' net income changed over the last 5 years?

SoFi Technologies' net income appears to be on a downward trend, with a most recent value of $498.67 million in 2024, falling from -$239.70 million in 2019. The previous period was -$300.74 million in 2023. See where experts think SoFi Technologies is headed by visiting SoFi Technologies' forecast page.

How has SoFi Technologies' revenue changed over the last 5 years?

Over the last 5 years, SoFi Technologies' total revenue changed from $442.66 million in 2019 to $2.67 billion in 2024, a change of 504.3%.

How much debt does SoFi Technologies have?

SoFi Technologies' total liabilities were at $29.73 billion at the end of 2024, a 21.2% increase from 2023, and a 439.5% increase since 2020.

How much cash does SoFi Technologies have?

In the past 4 years, SoFi Technologies' cash and equivalents has ranged from $494.71 million in 2021 to $3.09 billion in 2023, and is currently $2.54 billion as of their latest financial filing in 2024.

How has SoFi Technologies' book value per share changed over the last 5 years?

Over the last 5 years, SoFi Technologies' book value per share changed from 0.00 in 2019 to 6.01 in 2024, a change of 601.3%.

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This page (NASDAQ:SOFI) was last updated on 10/12/2025 by MarketBeat.com Staff

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SoFi Technologies (SOFI) Financials

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SoFi Technologies (SOFI) Financials

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