SoFi Technologies Cash Flow 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 Income	481.32	498.67	-300.74	-320.41	-483.94
Depreciation & Amortization	203.18	178.83	185.34	151.36	101.57
Other Amortization	42.31	38.15	36.18	18.29	18.29
Loss (Gain) From Sale of Investments	-1.96	-2.84	-0.05	13.6	-6.54
Asset Writedown & Restructuring Costs	-	-	247.17	-	-
Provision for Credit Losses	-320.87	-126.5	10.94	54.33	7.57
Loss (Gain) on Equity Investments	-	-	-	-	0.26
Stock-Based Compensation	262.06	246.15	271.22	305.99	239.01
Change in Accounts Payable	-	-	-	6.37	-9.02
Change in Other Net Operating Assets	-4,393	-1,588	-7,563	-7,502	-1,336
Other Operating Activities	29.95	-339.53	-39.75	16.54	118.87
Operating Cash Flow	-3,742	-1,120	-7,227	-7,256	-1,350
Capital Expenditures	-242.44	-154.27	-111.41	-93.2	-52.26
Cash Acquisitions	-	-	-72.3	58.54	-
Sale (Purchase) of Intangibles	-8.67	-9.35	-9.78	-10.53	-
Investment in Securities	-656.58	-1,231	-442.24	-6.24	-101.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-5,811	-3,426	-1,254	-54.9	247.06
Other Investing Activities	-	-	-	-	16.69
Investing Cash Flow	-6,719	-4,821	-1,890	-106.33	110.19
Long-Term Debt Issued	-	845.25	520.55	1,858	1,192
Long-Term Debt Repaid	-1,287	-2,336	-800.37	-516.85	-2,100
Net Debt Issued (Repaid)	-1,287	-1,491	-279.82	1,342	-908.38
Preferred Share Repurchases	-	-323.4	-	-	-132.86
Issuance of Common Stock	3,219	21.41	1.15	2.61	120.2
Repurchase of Common Stock	-64.99	-22.6	-15.3	-8.98	-193.17
Preferred Dividends Paid	-	-16.5	-40.43	-40.43	-40.43
Total Dividends Paid	-	-16.5	-40.43	-40.43	-40.43
Other Financing Activities	11,242	6,866	11,220	7,145	1,840
Financing Cash Flow	13,109	5,035	10,886	8,439	684.99
Foreign Exchange Rate Adjustments	-0.36	0	0.68	0.57	0.05
Net Cash Flow	2,647	-906.22	1,769	1,078	-554.99
Free Cash Flow	-3,985	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Margin	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%
Free Cash Flow Per Share	-3.18	-1.16	-7.76	-8.16	-2.66
Cash Interest Paid	1,146	1,118	720.16	150.87	94.8
Cash Income Tax Paid	28.91	26.91	14.33	2.57	1.76

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.