SoFi Technologies, Inc. (SOFI)
NASDAQ: SOFI · Real-Time Price · USD
14.58
-0.19 (-1.29%)
Oct 23, 2026, 11:13 AM EDT - Market open
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 |
Interest and Dividend Income | 3,961 | 3,375 | 2,808 | 2,051 | 773.37 | 355.02 |
Total Interest Expense | 1,277 | 1,156 | 1,091 | 789.33 | 189.28 | 102.78 |
Net Interest Income | 2,684 | 2,219 | 1,716 | 1,262 | 584.1 | 252.24 |
Other Revenue | 1,210 | 1,151 | 680.26 | 451.91 | 424.07 | 249.86 |
Revenue Before Loan Losses | 4,306 | 3,613 | 2,675 | 2,123 | 1,574 | 984.87 |
Provision for Loan Losses | 37.26 | 30.32 | 31.71 | 54.95 | 54.33 | 7.57 |
| 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% |
Salaries & Employee Benefits | 267.15 | 247.99 | 232.69 | 260.55 | 288.16 | 227.27 |
Cost of Services Provided | 3,264 | 2,809 | 2,177 | 1,861 | 1,530 | 1,204 |
Total Operating Expenses | 3,531 | 3,057 | 2,410 | 2,122 | 1,819 | 1,431 |
Operating Income | 737.74 | 525.86 | 233.35 | -53.98 | -299.4 | -453.84 |
EBT Excluding Unusual Items | 737.74 | 525.86 | 233.35 | -53.98 | -299.4 | -453.84 |
Impairment of Goodwill | - | - | - | -247.17 | - | - |
Pretax Income | 737.74 | 525.86 | 233.35 | -301.16 | -318.72 | -481.18 |
Income Tax Expense | 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 |
Preferred Dividends & Other Adjustments | - | - | 19.53 | 40.43 | 40.43 | 40.43 |
Net Income to Common | 636.26 | 481.32 | 479.14 | -341.17 | -360.83 | -524.36 |
Net Income Growth | 13.30% | 0.46% | - | - | - | - |
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 | 14.49% | 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) | 0.47 | 0.39 | 0.39 | -0.36 | -0.40 | -1.00 |
EPS Growth | -2.97% | -2.31% | - | - | - | - |
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 | -8,793 | -3,985 | -1,274 | -7,339 | -7,349 | -1,402 |
Free Cash Flow Per Share | -6.55 | -3.18 | -1.16 | -7.76 | -8.16 | -2.66 |
Operating Margin | 17.28% | 14.68% | 8.83% | -2.61% | -19.71% | -46.44% |
Profit Margin | 14.91% | 13.43% | 18.13% | -16.50% | -23.75% | -53.65% |
Free Cash Flow Margin | -206.00% | -111.22% | -48.20% | -354.89% | -483.74% | -143.51% |
Effective Tax Rate | 13.76% | 8.47% | - | - | - | - |