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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 Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Net Income
156.59166.73173.55139.3997.2671.12332.4760.7517.488.0447.91-266.68-47.55-34.42-40.01-74.21-95.84-110.36-111.01
Depreciation & Amortization
73.1167.5831.9159.2556.7455.2828.8751.7949.6248.5453.4552.5250.1345.3241.6240.2538.0630.726.53
Other Amortization
2.752.933.9432.922.4427.332.613.984.235.064.495.714.856.923.993.914.214.06
Loss (Gain) From Sale of Investments
-0.47-0.22-0.38-0.45-0.25-0.880.47-1.12-0.48-1.71-1.12-0.471.440.10.343.283.446.550.57
Asset Writedown & Restructuring Costs
-----------247.17-------
Provision for Credit Losses
53.25-30.82-75.09-42.67-109.81-93.31-1.86-84.55-14.01-26.08-31.9221.8312.628.4114.9516.3210.112.964.69
Loss (Gain) on Equity Investments
------------------0.26
Stock-Based Compensation
76.8772.0168.5866.4763.2663.7666.3763.6561.0655.0869.1162.0175.8864.2370.9877.8680.1477.0276.72
Change in Accounts Payable
--------7.41-7.4126.04-4.9638.23-17.22-21.9-8.646.5630.34-27.06
Change in Other Net Operating Assets
-4,258-2,594-1,193-1,542-1,571-86.47-359.64-1,253-611.6636.41-380.98-2,803-2,209-2,282-2,494-2,943-995.9-1,069-1,221
Other Operating Activities
41.4725.5-6.0115.018.2712.67-275.80.13-5-58.86-35.490.66-7.04-2.162.244.124.036.149.68
Operating Cash Flow
-3,890-2,315-991.18-1,306-1,46721.5-200.1-1,174-484.37738.25-247.94-2,687-2,080-2,213-2,419-2,880-945.5-1,011-1,236
Operating Cash Flow Growth (YoY)
------97.09%-------------

Investing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Capital Expenditures
-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
Cash Acquisitions
-64.9------------54.36-17.95---14.7773.31-
Sale (Purchase) of Intangibles
-1.07-1.23-1.32-3.18-2.53-1.64-1.97-2.5-2.76-2.13-2.35-2.37-2.25-2.81-5.02-2.51-3.01--
Investment in Securities
-966.43-613.67-74.82-128.43-217.28-236.04-336.12-46.32-603-245.95-118.57-175.31-166.2417.870.910.42-0.36-7.21-1.49
Net Decrease (Increase) in Loans Originated / Sold - Investing
-1,702-1,712-1,954-1,268-1,439-1,150-900.548.11-1,552-981.12-1,25837.21-19.48-13.55-24.56-24.48-14.758.8945.97
Investing Cash Flow
-2,831-2,394-2,097-1,459-1,722-1,440-1,281-84.01-2,195-1,261-1,414-168.51-267.67-40.15-51.41-50.01-54.849.8830.66

Financing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Long-Term Debt Issued
---------845.25---784.1---1,050-
Total Debt Issued
1,541---868.02868.02----845.25-722.22-62.12520.79784.11,037821.1-1,0501,050-5,105
Long-Term Debt Repaid
--3.41----49.11----2,598----148.11----112.4-
Total Debt Repaid
-3.26-3.41-901.72-362.4626.58-49.11-88.58143.26207.27-2,598-204.76-187.65-259.86-148.11-250.349.7-163.81-112.46,269
Net Debt Issued (Repaid)
1,538-3.41-901.72-1,230894.6-49.11-88.58143.26207.27-1,753-926.98-249.77260.94635.99787.01830.8-1,213937.221,164
Preferred Share Repurchases
---------323.4----------132.86
Issuance of Common Stock
24.5689.751,5001,70612.360.220.640.140.170.470.130.430.420.170.120.430.191.87127.46
Repurchase of Common Stock
-4.08-5.9-45.14-9.96-4.3-5.59-9.96-4.88-4-3.76-4.64-3.61-4.63-2.42-1.51-1.63-2.25-3.59-1,890
Preferred Dividends Paid
---------16.5--20.38--20.05--20.38--20.05--20.38
Total Dividends Paid
---------16.5--20.38--20.05--20.38--20.05--20.38
Other Financing Activities
4,9683,0344,1453,3322,2861,4801,2991,3571,4002,8112,9312,9042,6342,7512,2902,3631,533959.671,872
Financing Cash Flow
6,5263,1154,6983,7973,1881,4261,2211,4951,2631,0551,9802,6512,8713,3843,0553,192297.071,8951,120

Net Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Foreign Exchange Rate Adjustments
0.07-0.770.71-0.23-0.56-0.27-0.250.56-0.14-0.180.480.10.39-0.290.340.33-0.06-0.040.19
Net Cash Flow
-195.69-1,5961,6101,032-1.536.78-260.4238.13-1,416532.33318.56-204.11523.611,131584.87262.5-703.28933.78-85.79

Free Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Free Cash Flow
-3,987-2,383-1,058-1,366-1,530-31.1-242.37-1,217-521.08706.26-282.24-2,715-2,105-2,236-2,442-2,904-967.4-1,036-1,250
Free Cash Flow Growth (YoY)
-------------------
Free Cash Flow 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%
Free Cash Flow Per Share
-2.95-1.73-0.79-1.06-1.29-0.03-0.21-1.10-0.490.68-0.27-2.85-2.25-2.41-2.65-3.17-1.06-1.22-1.53

Additional Metrics

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash Interest Paid
--1,146---1,118---720.16---150.87---94.8
Cash Income Tax Paid
--28.91---26.91---14.33---2.57---1.76
SEC Filings: 10-K · 10-Q