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SoFi Technologies, Inc. (SOFI)
NASDAQ: SOFI · Real-Time Price · USD
15.63
-0.64 (-3.93%)
At close: Nov 12, 2026, 4:00 PM EST
15.67
+0.04 (0.26%)
After-hours: Nov 12, 2026, 5:57 PM EST

SoFi Technologies Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
4,6863,5832,6432,0681,519977.3
Revenue Growth
42.42%35.56%27.82%36.11%55.45%72.81%
Operating Income
907.03525.86233.35-53.98-299.4-453.84
Net Income
737.86481.32479.14-341.17-360.83-524.36
Earnings Per Share
0.540.390.39-0.36-0.40-1.00
EPS Growth
0.53%-2.31%----

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Lending
2,6871,8491,4851,3711,140738.32
Technology Platform
369.33450.21395.18352.34315.13194.89
Financial Services
1,8771,542821.51436.52167.6858.08
Corporate/Other
-204.04-227.82-27.05-36.69-49.27-6.42

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2,8465,0012,8293,0921,457510.05
Total Debt
3,9821,9393,2045,3675,6444,195
Net Cash (Debt)
-1,1363,062-375.2-2,275-4,187-3,685
Net Cash Growth
------
Net Cash Per Share
-0.842.45-0.34-2.41-4.65-7.00

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-10,209-3,742-1,120-7,227-7,256-1,350
Capital Expenditures
-331.98-242.44-154.27-111.41-93.2-52.26
Free Cash Flow
-10,541-3,985-1,274-7,339-7,349-1,402
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
19.35%14.68%8.83%-2.61%-19.71%-46.44%
Pretax Margin
19.35%14.68%8.83%-14.56%-20.98%-49.24%
Profit Margin
15.75%13.43%18.13%-16.50%-23.75%-53.65%
FCF Margin
-224.92%-111.22%-48.20%-354.89%-483.74%-143.51%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
28.7368.5634.88---
Forward PE
18.7148.1664.73263.23--
PS Ratio
4.339.216.324.612.8213.05