SoFi Technologies, Inc. (SOFI)
NASDAQ: SOFI · Real-Time Price · USD
16.04
-1.34 (-7.71%)
At close: Nov 5, 2026, 4:00 PM EST
15.98
-0.06 (-0.38%)
After-hours: Nov 5, 2026, 7:59 PM EST
SoFi Technologies Financials Overview
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 1,370 | 1,205 | 1,091 | 1,020 | 952.4 | 844.91 | 766.08 | 727.25 | 691.11 | 586.98 | 637.81 | 603.31 | 515.38 | 485.4 | 463.75 | 441.73 | 407.66 | 352.42 | 317.38 | 280.92 |
Revenue Growth | 43.89% | 42.61% | 42.48% | 40.21% | 37.81% | 43.94% | 20.11% | 20.54% | 34.10% | 20.93% | 37.53% | 36.58% | 26.42% | 37.73% | 46.12% | 57.24% | 51.21% | 52.70% | 61.94% | 63.81% |
Operating Income Operating Income Growth | 317.83 | 204.31 | 199.55 | 185.33 | 148.55 | 112.19 | 79.78 | 59.92 | 63.86 | 15.34 | 94.23 | 51.3 | -19.75 | -49.15 | -36.06 | -37.08 | -74.35 | -94.91 | -93.07 | -107.35 |
Net Income Net Income Growth | 240.99 | 156.59 | 166.73 | 173.55 | 139.39 | 97.26 | 71.12 | 332.47 | 60.75 | 7.95 | 77.96 | 37.72 | -276.87 | -57.63 | -44.39 | -50.2 | -84.4 | -105.91 | -120.33 | -121.2 |
Earnings Per Share EPS Growth | 0.18 | 0.12 | 0.12 | 0.13 | 0.11 | 0.08 | 0.06 | 0.30 | 0.05 | 0.01 | 0.02 | 0.03 | -0.29 | -0.06 | -0.05 | -0.05 | -0.09 | -0.12 | -0.14 | -0.15 |
EPS Growth | 63.97% | 40.40% | 101.15% | -57.01% | 105.90% | 1005.16% | 178.99% | 773.16% | - | - | - | - | - | - | - | - | - | - | - | - |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Lending Lending Growth | 821.35 | 724.8 | 642.42 | 498.68 | 493.38 | 443.51 | 413.37 | 417.8 | 396.25 | 340.71 | 330.48 | 353.13 | 348.97 | 331.44 | 337.08 | 328.19 | 301.69 | 257.12 | 252.99 | 213.76 |
Technology Platform Technology Platform Growth | 87.37 | 84.51 | 75.09 | 122.37 | 114.58 | 109.83 | 103.43 | 102.84 | 102.54 | 95.44 | 94.37 | 96.91 | 89.92 | 87.62 | 77.89 | 85.65 | 84.78 | 83.9 | 60.81 | 53.3 |
Financial Services Financial Services Growth | 525.1 | 466.28 | 428.54 | 456.74 | 419.62 | 362.53 | 303.12 | 256.52 | 238.31 | 176.13 | 150.55 | 139.12 | 118.25 | 98.05 | 81.1 | 64.82 | 48.95 | 30.36 | 23.54 | 21.96 |
Corporate/Other Corporate/Other Growth | -48.71 | -56.91 | -45.68 | -52.75 | -65.98 | -60.93 | -48.16 | -43.03 | -39.97 | -13.66 | 69.6 | 26.26 | -19.93 | -19.1 | -23.91 | -21.98 | -11.44 | -8.85 | -6.99 | -3.41 |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 2,810 | 3,367 | 3,564 | 5,001 | 3,268 | 2,133 | 2,094 | 2,829 | 2,365 | 2,350 | 3,699 | 3,092 | 2,893 | 3,028 | 2,500 | 1,457 | 935.16 | 707.3 | 1,325 | 510.05 |
Total Debt Total Debt Growth | 3,979 | 3,415 | 1,916 | 1,939 | 2,810 | 4,094 | 3,282 | 3,204 | 3,330 | 3,208 | 3,007 | 5,367 | 6,379 | 6,619 | 6,267 | 5,644 | 4,736 | 3,910 | 5,123 | 4,195 |
Net Cash (Debt) Net Cash Growth | -1,170 | -48.88 | 1,648 | 3,062 | 458.93 | -1,960 | -1,188 | -375.2 | -964.41 | -857.82 | 692.03 | -2,275 | -3,486 | -3,591 | -3,767 | -4,187 | -3,801 | -3,202 | -3,798 | -3,685 |
Net Cash Growth | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -0.86 | -0.04 | 1.20 | 2.27 | 0.36 | -1.66 | -1.00 | -0.33 | -0.87 | -0.81 | 0.66 | -2.21 | -3.66 | -3.83 | -4.05 | -4.54 | -4.15 | -3.52 | -4.45 | -4.52 |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | - | -3,890 | -2,315 | -991.18 | -1,306 | -1,467 | 21.5 | -200.1 | -1,174 | -484.37 | 738.25 | -247.94 | -2,687 | -2,080 | -2,213 | -2,419 | -2,880 | -945.5 | -1,011 | -1,236 |
Capital Expenditures CapEx Growth | - | -96.57 | -67.55 | -66.4 | -59.98 | -63.47 | -52.6 | -42.26 | -43.31 | -36.71 | -31.98 | -34.29 | -28.04 | -25.35 | -23.72 | -22.74 | -23.44 | -21.9 | -25.11 | -13.82 |
Free Cash Flow Free Cash Flow Growth | - | -3,987 | -2,383 | -1,058 | -1,366 | -1,530 | -31.1 | -242.37 | -1,217 | -521.08 | 706.26 | -282.24 | -2,715 | -2,105 | -2,236 | -2,442 | -2,904 | -967.4 | -1,036 | -1,250 |
Free Cash Flow Growth | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 23.19% | 16.96% | 18.28% | 18.18% | 15.60% | 13.28% | 10.41% | 8.24% | 9.24% | 2.61% | 14.77% | 8.50% | -3.83% | -10.13% | -7.78% | -8.39% | -18.24% | -26.93% | -29.32% | -38.21% |
Pretax Margin | 23.19% | 16.96% | 18.28% | 18.18% | 15.60% | 13.28% | 10.41% | 8.24% | 9.24% | 2.61% | 14.77% | 8.48% | -51.79% | -10.16% | -7.78% | -8.82% | -18.26% | -27.16% | -34.53% | -38.96% |
Profit Margin | 17.59% | 13.00% | 15.28% | 17.02% | 14.64% | 11.51% | 9.28% | 45.72% | 8.79% | 1.35% | 12.22% | 6.25% | -53.72% | -11.87% | -9.57% | -11.36% | -20.70% | -30.05% | -37.91% | -43.14% |
FCF Margin | - | -330.89% | -218.29% | -103.72% | -143.41% | -181.13% | -4.06% | -33.33% | -176.08% | -88.77% | 110.73% | -46.78% | -526.71% | -433.72% | -482.26% | -552.73% | -712.29% | -274.50% | -326.53% | -445.00% |
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 27.52 | 36.15 | 35.10 | 68.56 | 49.41 | 35.84 | 27.00 | 34.88 | 45.44 | - | - | - | - | - | - | - | - | - | - | - |
Forward PE | 21.52 | 27.40 | 26.23 | 48.16 | 62.18 | 56.29 | 44.99 | 64.73 | 44.01 | 60.87 | 102.17 | 263.23 | - | - | - | - | - | - | - | - |
PS Ratio | 4.33 | 5.39 | 5.18 | 9.21 | 9.61 | 6.65 | 4.60 | 6.32 | 3.33 | 2.98 | 3.42 | 4.61 | 3.98 | 4.36 | 3.41 | 2.82 | 3.31 | 3.96 | 7.83 | 13.05 |