SoFi Technologies, Inc. (BIT:1SOFI)

SoFi Technologies Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	1,918	1,716	1,262	584.1	252.24	177.93
Net Interest Income Growth	23.73%	36.04%	116.02%	131.56%	41.77%	-46.05%
Non-Interest Income	1,140	958.38	861.05	989.44	732.63	387.6
Non-Interest Income Growth	34.73%	11.30%	-12.98%	35.05%	89.02%	243.54%
Revenues Before Loan Losses	3,058	2,675	2,123	1,574	984.87	565.53
Provision for Credit Losses	28.6	31.71	54.95	54.33	7.57	-
Revenue	3,029	2,643	2,068	1,519	977.3	565.53
Revenue Growth (YoY)	29.27%	27.82%	36.11%	55.45%	72.81%	27.76%
Selling, General & Admin	2,176	1,948	1,742	1,525	1,201	715.16
Other Non-Interest Expenses	537.83	461.63	627.17	313.23	256.98	178.9
Total Non-Interest Expense	2,695	2,410	2,369	1,838	1,466	894.05
Pretax Income	315.75	233.35	-301.16	-318.72	-481.18	-328.52
Provision for Income Taxes	-245.84	-265.32	-0.42	1.69	2.76	-104.47
Net Income	561.6	498.67	-300.74	-320.41	-483.94	-224.05
Net Income to Common	561.6	498.67	-300.74	-320.41	-483.94	-224.05
Shares Outstanding (Basic)	1,091	1,050	945	901	527	74
Shares Outstanding (Diluted)	1,161	1,101	945	901	527	74
Shares Change (YoY)	15.45%	16.55%	4.90%	71.03%	613.23%	12.54%
EPS (Basic)	0.53	0.46	-0.36	-0.40	-1.00	-4.30
EPS (Diluted)	0.50	0.39	-0.36	-0.40	-1.00	-4.30
Free Cash Flow	-3,021	-1,274	-7,339	-7,349	-1,402	-503.89
Free Cash Flow Per Share	-2.60	-1.16	-7.77	-8.16	-2.66	-6.82
Profit Margin	18.54%	18.87%	-14.54%	-21.09%	-49.52%	-39.62%
FCF Margin	-99.72%	-48.20%	-354.89%	-483.74%	-143.51%	-89.10%
EBITDA	217.36	203.5	201.42	151.36	101.57	69.83
EBITDA Margin	7.18%	7.70%	9.74%	9.96%	10.39%	12.35%
Effective Tax Rate	-77.86%	-113.70%	0.14%	-0.53%	-0.57%	31.80%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.