SoFi Technologies, Inc. (SOFI)

SoFi Technologies Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	640.24	498.67	-300.74	-320.41	-483.94	-224.05
Depreciation & Amortization	215.17	193.85	201.42	151.36	101.57	69.83
Other Amortization	20.67	23.13	20.1	18.29	18.29	28.31
Loss (Gain) From Sale of Investments	-1.11	-2.84	-0.05	13.6	-6.54	-13.92
Asset Writedown & Restructuring Costs	-	-	247.17	-	-	-
Provision for Credit Losses	-247.65	-126.5	10.94	54.33	7.57	-
Loss (Gain) on Equity Investments	-	-	-	-	0.26	-4.31
Stock-Based Compensation	259.85	246.15	271.22	305.99	239.01	99.87
Change in Accounts Payable	23.55	23.55	42.09	6.37	-9.02	95.16
Change in Other Net Operating Assets	-3,608	-1,636	-7,675	-7,502	-1,336	-492.49
Other Operating Activities	-239.72	-339.4	-44.02	16.54	118.87	-37.73
Operating Cash Flow	-2,951	-1,120	-7,227	-7,256	-1,350	-479.34
Capital Expenditures	-218.31	-154.27	-111.41	-93.2	-52.26	-24.55
Cash Acquisitions	-	-	-72.3	58.54	-	-32.39
Sale (Purchase) of Intangibles	-9.32	-9.35	-9.78	-10.53	-	-
Investment in Securities	-917.87	-1,231	-442.24	-6.24	-101.3	0.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4,758	-3,426	-1,254	-54.9	247.06	322.7
Other Investing Activities	-	-	-	-	16.69	-7.64
Investing Cash Flow	-5,903	-4,821	-1,890	-106.33	110.19	258.95
Long-Term Debt Issued	-	845.25	520.55	1,858	1,192	1,636
Long-Term Debt Repaid	-	-2,336	-800.37	-516.85	-2,100	-1,111
Net Debt Issued (Repaid)	-473.58	-1,491	-279.82	1,342	-908.38	524.9
Preferred Share Repurchases	-	-323.4	-	-	-132.86	-
Issuance of Common Stock	1,739	21.41	1.15	2.61	120.2	417.13
Repurchase of Common Stock	-29.81	-22.6	-15.3	-8.98	-193.17	-31.3
Preferred Dividends Paid	-	-16.5	-40.43	-40.43	-40.43	-40.54
Total Dividends Paid	-	-16.5	-40.43	-40.43	-40.43	-40.54
Other Financing Activities	8,396	6,866	11,220	7,145	1,840	-16.44
Financing Cash Flow	9,632	5,035	10,886	8,439	684.99	853.75
Foreign Exchange Rate Adjustments	-1.31	0	0.68	0.57	0.05	-0.15
Net Cash Flow	776.69	-906.22	1,769	1,078	-554.99	633.22
Free Cash Flow	-3,170	-1,274	-7,339	-7,349	-1,402	-503.89
Free Cash Flow Margin	-96.33%	-48.20%	-354.89%	-483.74%	-143.51%	-89.10%
Free Cash Flow Per Share	-2.63	-1.16	-7.76	-8.16	-2.66	-6.82
Cash Interest Paid	1,118	1,118	720.16	150.87	94.8	129.13
Cash Income Tax Paid	26.91	26.91	14.33	2.57	1.76	0.53

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q