SoFi Technologies Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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 Interest Income	2,684	2,219	1,716	1,262	584.1	252.24
Net Interest Income Growth	39.93%	29.27%	36.04%	116.02%	131.56%	41.77%
Non-Interest Income	1,622	1,394	958.38	861.05	989.44	732.63
Non-Interest Income Growth	42.27%	45.50%	11.30%	-12.98%	35.05%	89.02%
Revenues Before Loan Losses	4,306	3,613	2,675	2,123	1,574	984.87
Provision for Credit Losses	37.26	30.32	31.71	54.95	54.33	7.57
Revenue	4,268	3,583	2,643	2,068	1,519	977.3
Revenue Growth	40.90%	35.56%	27.82%	36.11%	55.45%	72.81%
Selling, General & Admin	2,836	2,448	1,948	1,742	1,525	1,201
Other Non-Interest Expenses	694.3	609	461.63	627.17	313.23	256.98
Total Non-Interest Expense	3,531	3,057	2,410	2,369	1,838	1,466
Pretax Income	737.74	525.86	233.35	-301.16	-318.72	-481.18
Provision for Income Taxes	101.48	44.54	-265.32	-0.42	1.69	2.76
Net Income	636.26	481.32	498.67	-300.74	-320.41	-483.94
Net Income to Common	636.26	481.32	498.67	-300.74	-320.41	-483.94
Net Income Growth	13.30%	-3.48%	-	-	-	-
Shares Outstanding (Basic)	1,239	1,150	1,050	945	901	527
Shares Outstanding (Diluted)	1,342	1,252	1,101	945	901	527
Shares Change	16.07%	13.65%	16.55%	4.90%	71.03%	613.23%
EPS (Basic)	0.51	0.42	0.46	-0.36	-0.40	-1.00
EPS (Diluted)	0.48	0.39	0.39	-0.36	-0.40	-1.00
EPS Growth	0%	0%	-	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	-	-3,985	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Per Share	-	-3.18	-1.16	-7.77	-8.16	-2.66
Profit Margin	14.91%	13.43%	18.87%	-14.54%	-21.09%	-49.52%
FCF Margin	-	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%
Effective Tax Rate	13.76%	8.47%	-113.70%	0.14%	-0.53%	-0.57%

SEC Filings: 10-K · 10-Q