SOFI

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SoFi Technologies, Inc.

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Key Metrics

Previous Close: $15.84
52-Week Range: $14.88 – $32.73
Market Cap: $20.37B
P/E (TTM): 32.18
EPS (TTM): 0.49
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 1.84
PEG Ratio: 0.56
Return on Equity: 7.09%
Return on Assets: 1.25%
Gross Margin: 83.73%
Operating Margin: 16.96%
Profit Margin: 14.91%
Current Ratio: 1.10
Debt/Equity: 0.31
Total Debt: $3.42B
Free Cash Flow: —
Revenue Growth: 42.60%
Earnings Growth: 40.40%
Enterprise Value: $20.42B

SOFI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.57B	$2.11B	$2.61B	$3.61B
Selling, General & Admin	$1.12B	$1.23B	$1.40B	$1.80B
Pretax Income	-$318.72M	-$301.16M	$233.34M	$525.86M
Income Tax	$1.69M	-$416.00K	-$265.32M	$44.54M
Net Income	-$320.41M	-$300.74M	$498.67M	$481.32M
Diluted EPS	-0.40	-0.36	0.39	0.39
Diluted Shares	900.89M	945.02M	1.10B	1.25B

SOFI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.42B	$3.09B	$2.54B	$4.93B
Receivables	$127.05M	$169.85M	$587.50M	$893.48M
Total Assets	$19.01B	$30.07B	$36.25B	$50.66B
Long-Term Debt	$5.02B	$4.75B	$2.61B	$1.33B
Total Debt	$5.63B	$5.36B	$3.20B	$1.93B
Total Liabilities	$13.48B	$24.52B	$29.73B	$40.17B
Retained Earnings	-$1.50B	-$1.80B	-$1.31B	-$824.28M
Shareholders' Equity	$5.53B	$5.55B	$6.53B	$10.49B
Net Debt	$4.08B	$2.16B	$555.01M	—

SOFI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$7.26B	-$7.23B	-$1.12B	-$3.74B
Capital Expenditure	-$103.73M	-$121.19M	-$163.62M	-$251.12M
Free Cash Flow	-$7.36B	-$7.35B	-$1.28B	-$3.99B
Depreciation & Amortisation	$151.36M	$201.42M	$203.50M	$234.15M
Stock-Based Compensation	$305.99M	$271.22M	$246.15M	$262.06M
Investing Cash Flow	-$106.33M	-$1.89B	-$4.82B	-$6.72B
Financing Cash Flow	$8.44B	$10.89B	$5.03B	$13.11B
Dividends Paid	-$40.42M	-$40.42M	-$16.50M	$0.00
Share Repurchases	$0.00	$0.00	-$323.40M	$0.00
Net Change in Cash	$1.08B	$1.77B	-$906.22M	$2.65B

SOFI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$854.94M	$961.60M	$1.03B	$1.10B	$1.22B
Selling, General & Admin	$430.13M	$475.28M	$499.86M	$533.12M	$609.20M
Pretax Income	$112.19M	$148.55M	$185.33M	$199.55M	$204.31M
Income Tax	$14.93M	$9.16M	$11.78M	$32.82M	$47.72M
Net Income	$97.26M	$139.39M	$173.55M	$166.73M	$156.59M
Diluted EPS	0.08	0.11	0.13	0.12	0.12
Diluted Shares	1.18B	1.29B	1.35B	1.38B	1.35B

SOFI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$2.12B	$3.25B	$4.93B	$3.40B	$3.13B
Receivables	—	—	$893.48M	—	—
Total Assets	$41.11B	$45.29B	$50.66B	$53.70B	$60.95B
Long-Term Debt	$3.46B	$2.23B	$1.33B	$1.33B	$2.82B
Total Debt	$4.03B	$2.81B	$1.93B	$1.91B	$3.41B
Total Liabilities	$34.25B	$36.51B	$40.17B	$42.89B	$49.87B
Retained Earnings	-$1.14B	-$997.83M	-$824.28M	-$657.55M	-$500.95M
Shareholders' Equity	$6.86B	$8.78B	$10.49B	$10.81B	$11.08B
Net Debt	$1.82B	—	—	—	$174.82M

SOFI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$1.47B	-$1.31B	-$991.18M	-$2.31B	-$3.89B
Capital Expenditure	-$65.99M	-$63.16M	-$67.72M	-$68.78M	-$97.64M
Free Cash Flow	-$1.53B	-$1.37B	-$1.06B	-$2.38B	-$3.99B
Depreciation & Amortisation	$56.74M	$59.24M	$62.88M	$67.58M	$73.11M
Stock-Based Compensation	$63.26M	$66.47M	$68.58M	$72.01M	$76.86M
Investing Cash Flow	-$1.72B	-$1.46B	-$2.10B	-$2.39B	-$2.83B
Financing Cash Flow	$3.19B	$3.80B	$4.70B	$3.11B	$6.53B
Dividends Paid	—	$0.00	$0.00	—	—
Share Repurchases	—	-$1.62M	$1.62M	—	—
Net Change in Cash	-$970.00K	$1.03B	$1.61B	-$1.59B	-$195.76M

Market Snapshot

About

SoFi Technologies, Inc. is a digital financial services company offering personal finance products including student and personal loans, mortgages, credit cards, investing, and banking services. The company operates a mobile-first platform designed to help members achieve financial independence.