SoFi Technologies, Inc. (SOFI)

SoFi Technologies Income Statement

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

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Interest and Dividend Income	1,343	1,141	1,001	927.42	891.56	792.41	763.81	743.94	723.37	674.6	665.91	645.24	564.27	470	371.56	307.41	198.04	149.51	118.41	94.78
Total Interest Expense	413.71	352.33	308.01	310.14	306.45	274.57	265.09	273.77	292.36	262.01	263.19	255.6	219.31	178.87	135.55	98.82	40.19	26.78	23.48	18.21
Net Interest Income	929.45	788.2	692.99	617.28	585.11	517.84	498.73	470.17	431.01	412.58	402.72	389.64	344.96	291.13	236.01	208.58	157.85	122.73	94.93	76.58
Other Revenue	303.34	280.07	265.17	353.92	311.06	266.25	220.23	191.36	186.1	124.5	185.28	142.83	116.86	116.73	112.81	148.54	102.44	95.38	77.71	73.62
Revenue Before Loan Losses	1,385	1,219	1,100	1,025	961.6	854.94	771.76	734.13	697.12	598.62	645	615.4	537.21	498.02	472.16	456.68	423.99	362.53	330.34	285.61
Provision for Loan Losses	14.74	13.76	8.9	5.41	9.2	10.04	5.68	6.88	6.01	11.64	7.18	12.09	21.83	12.62	8.41	14.95	16.32	10.1	12.96	4.69
Revenue	1,370	1,205	1,091	1,020	952.4	844.91	766.08	727.25	691.11	586.98	637.81	603.31	515.38	485.4	463.75	441.73	407.66	352.42	317.38	280.92
Revenue Growth (YoY)	43.89%	42.61%	42.48%	40.21%	37.81%	43.94%	20.11%	20.54%	34.10%	20.93%	37.53%	36.58%	26.42%	37.73%	46.12%	57.24%	51.21%	52.70%	61.94%	63.81%
Salaries & Employee Benefits	-	71.36	68.04	64.83	62.93	59.91	60.33	62.89	59.97	57.68	52.16	65.83	59.02	72.98	62.73	67.17	72.78	75.33	72.88	72.65
Cost of Services Provided	1,053	929.25	823.88	769.49	740.93	672.8	625.97	604.44	567.29	513.96	491.42	486.19	476.11	461.57	437.08	411.64	409.23	372.01	337.57	315.62
Total Operating Expenses	1,053	1,001	891.92	834.31	803.85	732.72	686.3	667.32	627.25	571.64	543.59	552.01	535.13	534.56	499.81	478.81	482.01	447.33	410.45	388.28
Operating Income	317.83	204.31	199.55	185.33	148.55	112.19	79.78	59.92	63.86	15.34	94.23	51.3	-19.75	-49.15	-36.06	-37.08	-74.35	-94.91	-93.07	-107.35
EBT Excluding Unusual Items	317.83	204.31	199.55	185.33	148.55	112.19	79.78	59.92	63.86	15.34	94.23	51.3	-19.75	-49.15	-36.06	-37.08	-74.35	-94.91	-93.07	-107.35
Impairment of Goodwill	-	-	-	-	-	-	-	-	-	-	-	-	-247.17	-	-	-	-	-	-	-
Pretax Income	317.83	204.31	199.55	185.33	148.55	112.19	79.78	59.92	63.86	15.34	94.23	51.16	-266.93	-49.33	-36.06	-38.95	-74.45	-95.72	-109.61	-109.45
Income Tax Expense	76.84	47.72	32.82	11.78	9.16	14.93	8.67	-272.55	3.11	-2.06	6.18	3.25	-0.24	-1.78	-1.64	1.06	-0.24	0.12	0.75	1.56
Net Income	240.99	156.59	166.73	173.55	139.39	97.26	71.12	332.47	60.75	17.4	88.04	47.91	-266.68	-47.55	-34.42	-40.01	-74.21	-95.84	-110.36	-111.01
Preferred Dividends & Other Adjustments	-	-	-	-	-	-	-	-	-	9.45	10.08	10.19	10.19	10.08	9.97	10.19	10.19	10.08	9.97	10.19
Net Income to Common	240.99	156.59	166.73	173.55	139.39	97.26	71.12	332.47	60.75	7.95	77.96	37.72	-276.87	-57.63	-44.39	-50.2	-84.4	-105.91	-120.33	-121.2
Net Income Growth (YoY)	72.89%	61.00%	134.45%	-47.80%	129.47%	1122.82%	-8.78%	781.33%	-	-	-	-	-	-	-	-	-	-	-	-
Shares Outstanding (Basic)	1,293	1,284	1,276	1,223	1,171	1,107	1,098	1,088	1,071	1,059	983	963	951	937	929	923	917	910	853	815
Shares Outstanding (Diluted)	1,358	1,352	1,378	1,346	1,291	1,183	1,185	1,151	1,104	1,065	1,042	1,029	951	937	929	923	917	910	853	815
Shares Change (YoY)	5.17%	14.30%	16.24%	16.95%	16.89%	11.05%	13.72%	11.83%	16.11%	13.73%	12.18%	11.53%	3.75%	2.91%	8.96%	13.31%	14.51%	149.30%	634.25%	937.40%
EPS (Basic)	0.19	0.12	0.13	0.14	0.12	0.09	0.06	0.31	0.06	0.01	0.08	0.04	-0.29	-0.06	-0.05	-0.05	-0.09	-0.12	-0.14	-0.15
EPS (Diluted)	0.18	0.12	0.12	0.13	0.11	0.08	0.06	0.30	0.05	0.01	0.02	0.03	-0.29	-0.06	-0.05	-0.05	-0.09	-0.12	-0.14	-0.15
EPS Growth (YoY)	63.97%	40.40%	101.15%	-57.01%	105.90%	1005.16%	178.99%	773.16%	-	-	-	-	-	-	-	-	-	-	-	-

Additional Metrics

Fiscal Quarter	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021
Period Ending	Sep 30, 2026	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021
Free Cash Flow	-	-3,987	-2,383	-1,058	-1,366	-1,530	-31.1	-242.37	-1,217	-521.08	706.26	-282.24	-2,715	-2,105	-2,236	-2,442	-2,904	-967.4	-1,036	-1,250
Free Cash Flow Per Share	-	-2.95	-1.73	-0.79	-1.06	-1.29	-0.03	-0.21	-1.10	-0.49	0.68	-0.27	-2.85	-2.25	-2.41	-2.65	-3.17	-1.06	-1.22	-1.53
Operating Margin	23.19%	16.96%	18.28%	18.18%	15.60%	13.28%	10.41%	8.24%	9.24%	2.61%	14.77%	8.50%	-3.83%	-10.13%	-7.78%	-8.39%	-18.24%	-26.93%	-29.32%	-38.21%
Profit Margin	17.59%	13.00%	15.28%	17.02%	14.64%	11.51%	9.28%	45.72%	8.79%	1.35%	12.22%	6.25%	-53.72%	-11.87%	-9.57%	-11.36%	-20.70%	-30.05%	-37.91%	-43.14%
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%
Effective Tax Rate	24.18%	23.36%	16.45%	6.36%	6.17%	13.31%	10.86%	-	4.87%	-	6.56%	6.34%	-	-	-	-	-	-	-	-
Revenue as Reported	1,343	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Oct 27, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

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