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
15.72
+0.09 (0.58%)
After-hours: Nov 12, 2026, 6:58 PM EST
SoFi Technologies Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Net Income | 737.86 | 481.32 | 498.67 | -300.74 | -320.41 | -483.94 |
Depreciation & Amortization | 253.84 | 203.18 | 178.83 | 185.34 | 151.36 | 101.57 |
Other Amortization | 42.3 | 42.31 | 38.15 | 36.18 | 18.29 | 18.29 |
Loss (Gain) From Sale of Investments | -0.8 | -1.96 | -2.84 | -0.05 | 13.6 | -6.54 |
Asset Writedown & Restructuring Costs | - | - | - | 247.17 | - | - |
Provision for Credit Losses | 270.61 | -320.87 | -126.5 | 10.94 | 54.33 | 7.57 |
Loss (Gain) on Equity Investments | - | - | - | - | - | 0.26 |
Stock-Based Compensation | 288.34 | 262.06 | 246.15 | 271.22 | 305.99 | 239.01 |
Change in Accounts Payable | - | - | - | - | 6.37 | -9.02 |
Change in Other Net Operating Assets | -11,783 | -4,393 | -1,588 | -7,563 | -7,502 | -1,336 |
Other Operating Activities | 121.46 | 29.95 | -339.53 | -39.75 | 16.54 | 118.87 |
Operating Cash Flow | -10,209 | -3,742 | -1,120 | -7,227 | -7,256 | -1,350 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Capital Expenditures | -331.98 | -242.44 | -154.27 | -111.41 | -93.2 | -52.26 |
Cash Acquisitions | -65.04 | - | - | -72.3 | 58.54 | - |
Sale (Purchase) of Intangibles | -5.18 | -8.67 | -9.35 | -9.78 | -10.53 | - |
Investment in Securities | -2,592 | -656.58 | -1,231 | -442.24 | -6.24 | -101.3 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -7,405 | -5,811 | -3,426 | -1,254 | -54.9 | 247.06 |
Other Investing Activities | - | - | - | - | - | 16.69 |
Investing Cash Flow | -10,399 | -6,719 | -4,821 | -1,890 | -106.33 | 110.19 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
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) | 1,141 | -1,287 | -1,491 | -279.82 | 1,342 | -908.38 |
Preferred Share Repurchases | - | - | -323.4 | - | - | -132.86 |
Issuance of Common Stock | 1,615 | 3,219 | 21.41 | 1.15 | 2.61 | 120.2 |
Repurchase of Common Stock | -59.4 | -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 | 17,764 | 11,242 | 6,866 | 11,220 | 7,145 | 1,840 |
Financing Cash Flow | 20,460 | 13,109 | 5,035 | 10,886 | 8,439 | 684.99 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Foreign Exchange Rate Adjustments | -0.26 | -0.36 | 0 | 0.68 | 0.57 | 0.05 |
Net Cash Flow | -147.67 | 2,647 | -906.22 | 1,769 | 1,078 | -554.99 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | -10,541 | -3,985 | -1,274 | -7,339 | -7,349 | -1,402 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -224.92% | -111.22% | -48.20% | -354.89% | -483.74% | -143.51% |
Free Cash Flow Per Share | -7.76 | -3.18 | -1.16 | -7.76 | -8.16 | -2.66 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 Interest Paid | 1,146 | 1,146 | 1,118 | 720.16 | 150.87 | 94.8 |
Cash Income Tax Paid | 28.91 | 28.91 | 26.91 | 14.33 | 2.57 | 1.76 |