SoFi Technologies, Inc. (SOFI)

SoFi Technologies Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	576.94	481.32	498.67	-300.74	-320.41	-483.94
Depreciation & Amortization	246.45	234.15	203.5	201.42	151.36	101.57
Provision for Credit Losses	33.54	30.32	31.71	54.95	54.33	7.57
Stock-Based Compensation	270.31	262.06	246.15	271.22	305.99	239.01
Net Change in Loans Held-for-Sale	-6,488	-4,397	-991.7	-7,568	-7,463	-1,308
Other Adjustments	-238.66	-311.87	-487.11	183.47	48.43	130.88
Changes in Accrued Interest and Accounts Receivable	-66.52	-45.31	-24.47	-74.35	-	-
Changes in Accounts Payable	5.59	140.46	23.55	42.09	6.37	-9.02
Changes in Other Operating Activities	-418.09	-136.72	-620.11	-37.11	-38.46	-27.96
Operating Cash Flow	-6,079	-3,742	-1,120	-7,227	-7,256	-1,350
Net Change in Loans Held-for-Investment	-5,028	-5,889	-3,506	-1,362	-173.73	-
Net Change in Securities and Investments	-984.53	-596.73	-1,197	-381.05	-6.24	-188.83
Payments for Business Acquisitions	-	-	-	-72.3	58.54	-
Capital Expenditures	-257.39	-242.44	-154.27	-111.41	-93.2	-52.26
Purchases of Intangible Assets	-8.26	-8.67	-9.35	-9.78	-10.53	-
Other Investing Activities	41.01	18.22	45.62	47.09	118.83	351.29
Investing Cash Flow	-7,673	-6,719	-4,821	-1,890	-106.33	110.19
Net Change in Deposits	12,802	11,249	6,954	11,232	7,153	-
Short-Term Debt Issued	-1,226	-1,257	-1,983	180.55	1,418	-1,187
Net Short-Term Debt Issued (Repaid)	-1,226	-1,257	-1,983	180.55	1,418	-1,187
Long-Term Debt Issued	-	-	845.25	340	439.99	1,192
Long-Term Debt Repaid	-15.07	-29.83	-353.33	-800.37	-516.85	-913.41
Net Long-Term Debt Issued (Repaid)	-15.07	-29.83	491.92	-460.37	-76.86	278.5
Issuance of Common Stock	1,602	3,219	21.41	1.15	2.61	2,110
Repurchase of Common Stock	-65.29	-64.99	-346	-15.3	-8.98	-326.03
Net Common Stock Issued (Repurchased)	1,537	3,154	-324.59	-14.16	-6.37	1,784
Preferred Share Dividends Paid	-	-	-16.5	-40.43	-40.43	-40.43
Other Financing Activities	-4.7	-6.26	-88.09	-11.9	-8.29	-150.23
Financing Cash Flow	14,798	13,109	5,035	10,886	8,439	684.99
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-0.86	-0.36	0	0.68	0.57	0.05
Net Cash Flow	1,045	2,647	-906.22	1,769	1,078	-554.99
Free Cash Flow	-6,336	-3,985	-1,274	-7,339	-7,349	-1,402
FCF Margin	-162.12%	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%
Free Cash Flow Per Share	-4.88	-3.18	-1.16	-7.77	-8.16	-2.66
Levered Free Cash Flow	-1,154	-855.26	-1,564	-559.92	1,047	-1,380
Unlevered Free Cash Flow	-489.97	-49.87	-571.8	20.64	26.07	12.32

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q