SoFi Technologies Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	2,219	1,716	1,262	584.1	252.24
Net Interest Income Growth	29.27%	36.04%	116.02%	131.56%	41.77%
Non-Interest Income	1,394	958.38	861.05	989.44	732.63
Non-Interest Income Growth	45.50%	11.30%	-12.98%	35.05%	89.02%
Revenues Before Loan Losses	3,613	2,675	2,123	1,574	984.87
Provision for Credit Losses	30.32	31.71	54.95	54.33	7.57
Revenue	3,583	2,643	2,068	1,519	977.3
Revenue Growth (YoY)	35.56%	27.82%	36.11%	55.45%	72.81%
Selling, General & Admin	2,448	1,948	1,742	1,525	1,201
Other Non-Interest Expenses	609	461.63	627.17	313.23	256.98
Total Non-Interest Expense	3,057	2,410	2,369	1,838	1,466
Pretax Income	525.86	233.35	-301.16	-318.72	-481.18
Provision for Income Taxes	44.54	-265.32	-0.42	1.69	2.76
Net Income	481.32	498.67	-300.74	-320.41	-483.94
Net Income to Common	481.32	498.67	-300.74	-320.41	-483.94
Net Income Growth	-3.48%	-	-	-	-
Shares Outstanding (Basic)	1,150	1,050	945	901	527
Shares Outstanding (Diluted)	1,252	1,101	945	901	527
Shares Change (YoY)	13.65%	16.55%	4.90%	71.03%	613.23%
EPS (Basic)	0.42	0.46	-0.36	-0.40	-1.00
EPS (Diluted)	0.39	0.39	-0.36	-0.40	-1.00
Free Cash Flow	-3,985	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Per Share	-3.18	-1.16	-7.77	-8.16	-2.66
Profit Margin	13.43%	18.87%	-14.54%	-21.09%	-49.52%
FCF Margin	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%
EBITDA	234.15	203.5	201.42	151.36	101.57
EBITDA Margin	6.53%	7.70%	9.74%	9.96%	10.39%
Effective Tax Rate	8.47%	-113.70%	0.14%	-0.53%	-0.57%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.