SoFi Technologies, Inc. (SOFI)
NASDAQ: SOFI · Real-Time Price · USD
17.80
+1.49 (9.14%)
Aug 3, 2026, 1:11 PM EDT - Market open
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 | Mar '26 Mar 31, 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 | 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 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 Change in Loans Held-for-Investment | - | -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 |
Cash 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 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 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 | 9.11 | 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) | -56.18 | 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 | -2.93 | -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 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 | -0.86 | -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
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 | -6,336 | -3,985 | -1,274 | -7,339 | -7,349 | -1,402 |
Free Cash Flow Growth | - | - | - | - | - | - |
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 |