SoFi Technologies, Inc. (SOFI)

NASDAQ: SOFI · Real-Time Price · USD

18.91

+0.99 (5.52%)

At close: Aug 21, 2026, 4:00 PM EDT

18.99

+0.08 (0.42%)

After-hours: Aug 21, 2026, 7:59 PM EDT

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
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%
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%	-	-	-	-

SEC Filings: 10-K · 10-Q