SoFi Technologies, Inc. (SOFI)

NASDAQ: SOFI · Real-Time Price · USD

15.63

-0.64 (-3.93%)

At close: Nov 12, 2026, 4:00 PM EST

15.72

+0.09 (0.58%)

After-hours: Nov 12, 2026, 6:58 PM EST

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	Sep '26 Sep 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	4,412	3,375	2,808	2,051	773.37	355.02
Total Interest Expense	1,384	1,156	1,091	789.33	189.28	102.78
Net Interest Income	3,028	2,219	1,716	1,262	584.1	252.24
Other Revenue	1,203	1,151	680.26	451.91	424.07	249.86
Revenue Before Loan Losses	4,729	3,613	2,675	2,123	1,574	984.87
Provision for Loan Losses	42.8	30.32	31.71	54.95	54.33	7.57
Revenue	4,686	3,583	2,643	2,068	1,519	977.3
Revenue Growth	42.42%	35.56%	27.82%	36.11%	55.45%	72.81%
Salaries & Employee Benefits	270.23	247.99	232.69	260.55	288.16	227.27
Cost of Services Provided	3,509	2,809	2,177	1,861	1,530	1,204
Total Operating Expenses	3,779	3,057	2,410	2,122	1,819	1,431
Operating Income	907.03	525.86	233.35	-53.98	-299.4	-453.84
EBT Excluding Unusual Items	907.03	525.86	233.35	-53.98	-299.4	-453.84
Impairment of Goodwill	-	-	-	-247.17	-	-
Pretax Income	907.03	525.86	233.35	-301.16	-318.72	-481.18
Income Tax Expense	169.16	44.54	-265.32	-0.42	1.69	2.76
Net Income	737.86	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	737.86	481.32	479.14	-341.17	-360.83	-524.36
Net Income Growth	15.25%	0.46%	-	-	-	-
Shares Outstanding (Basic)	1,269	1,150	1,050	945	901	527
Shares Outstanding (Diluted)	1,359	1,252	1,101	945	901	527
Shares Change	12.51%	13.65%	16.55%	4.90%	71.03%	613.23%
EPS (Basic)	0.58	0.42	0.46	-0.36	-0.40	-1.00
EPS (Diluted)	0.54	0.39	0.39	-0.36	-0.40	-1.00
EPS Growth	0.53%	-2.31%	-	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-10,541	-3,985	-1,274	-7,339	-7,349	-1,402
Free Cash Flow Per Share	-7.76	-3.18	-1.16	-7.76	-8.16	-2.66
Operating Margin	19.35%	14.68%	8.83%	-2.61%	-19.71%	-46.44%
Profit Margin	15.75%	13.43%	18.13%	-16.50%	-23.75%	-53.65%
Free Cash Flow Margin	-224.92%	-111.22%	-48.20%	-354.89%	-483.74%	-143.51%
Effective Tax Rate	18.65%	8.47%	-	-	-	-

SEC Filings: 10-K · 10-Q