SoFi Technologies, Inc. (SOFI)

NASDAQ: SOFI · Real-Time Price · USD

14.67

-0.10 (-0.68%)

Oct 23, 2026, 10:01 AM EDT - Market open

SoFi Technologies Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	4,268	3,583	2,643	2,068	1,519	977.3
Revenue Growth	40.90%	35.56%	27.82%	36.11%	55.45%	72.81%
Operating Income	737.74	525.86	233.35	-53.98	-299.4	-453.84
Net Income	636.26	481.32	479.14	-341.17	-360.83	-524.36
Earnings Per Share	0.47	0.39	0.39	-0.36	-0.40	-1.00
EPS Growth	-2.97%	-2.31%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Lending	2,359	1,849	1,485	1,371	1,140	738.32
Technology Platform	396.54	450.21	395.18	352.34	315.13	194.89
Financial Services	1,771	1,542	821.51	436.52	167.68	58.08
Corporate/Other	-221.31	-227.82	-27.05	-36.69	-49.27	-6.42

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	3,367	5,001	2,829	3,092	1,457	510.05
Total Debt	3,415	1,939	3,204	5,367	5,644	4,195
Net Cash (Debt)	-48.88	3,062	-375.2	-2,275	-4,187	-3,685
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.04	2.45	-0.34	-2.41	-4.65	-7.00

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Cash Flow	-8,502	-3,742	-1,120	-7,227	-7,256	-1,350
Capital Expenditures	-290.5	-242.44	-154.27	-111.41	-93.2	-52.26
Free Cash Flow	-8,793	-3,985	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Margin	17.28%	14.68%	8.83%	-2.61%	-19.71%	-46.44%
Pretax Margin	17.28%	14.68%	8.83%	-14.56%	-20.98%	-49.24%
Profit Margin	14.91%	13.43%	18.13%	-16.50%	-23.75%	-53.65%
FCF Margin	-206.00%	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 23, 2026	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
PE Ratio	30.89	68.56	34.88	-	-	-
Forward PE	20.38	48.16	64.73	263.23	-	-
PS Ratio	4.47	9.21	6.32	4.61	2.82	13.05