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
Interest and Dividend Income	3,375	2,808	2,051	773.37	355.02
Total Interest Expense	1,156	1,091	789.33	189.28	102.78
Net Interest Income	2,219	1,716	1,262	584.1	252.24
Other Revenue	1,151	702.51	489.24	424.07	249.86
Revenue Before Loan Losses	3,613	2,675	2,123	1,574	984.87
Provision for Loan 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%
Salaries & Employee Benefits	-	232.69	260.55	288.16	227.27
Cost of Services Provided	3,057	2,176	1,861	1,530	1,204
Total Operating Expenses	3,057	2,409	2,122	1,819	1,431
Operating Income	525.86	233.96	-53.84	-299.4	-453.84
EBT Excluding Unusual Items	525.86	233.96	-53.84	-299.4	-453.84
Impairment of Goodwill	-	-	-247.17	-	-
Pretax Income	525.86	233.35	-301.16	-318.72	-481.18
Income Tax Expense	44.54	-265.32	-0.42	1.69	2.76
Net Income	481.32	498.67	-300.74	-320.41	-483.94
Preferred Dividends & Other Adjustments	-	19.53	40.43	40.43	40.43
Net Income to Common	481.32	479.14	-341.17	-360.83	-524.36
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
EPS Growth	-2.31%	-	-	-	-
Free Cash Flow	-	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Per Share	-	-1.16	-7.76	-8.16	-2.66
Operating Margin	14.68%	8.85%	-2.60%	-19.71%	-46.44%
Profit Margin	13.43%	18.13%	-16.50%	-23.75%	-53.65%
Free Cash Flow Margin	-	-48.20%	-354.89%	-483.74%	-143.51%
Effective Tax Rate	8.47%	-	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.