Cash flow SoFi Technologies, Inc.

Equities

SOFI

US83406F1021

Consumer Lending

Market Closed - Nasdaq Other stock markets 04:00:00 2026-05-14 pm EDT			After hours 08:00:00 pm
16.02 ^USD	+4.64%		16.06	+0.22%

May. 04	U.S. research roundup - Alphabet, Colgate-Palmolive, Welltower	RE
Apr. 30	SoFi Technologies' Q2 Guidance Weaker Than Expected, 2026 Outlook Implies Ramp in H2, Morgan Stanley Says	MT

41d96c6.ZnFdMvxrnKfYjOxvfy4MjyOsW1y5WwKzGNqE-SW9t4M.HCg0BswR-fG1x7pdMmpIt3XcFgz6HmTQfJPckm7ehbUfOxlgtxqs3uvf3A

Published financial data: SOFI TECHNOLOGIES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	355M	773M	2.05B	2.81B	3.38B
Interest Expense, Total	103M	189M	789M	1.09B	1.16B
Net Interest Income	252M	584M	1.26B	1.72B	2.22B
Loan Servicing Revenue	498M	605M	372M	256M	243M
Other Revenues, Total	235M	384M	489M	703M	1.15B
Revenues Before Provison For Loan Losses	985M	1.57B	2.12B	2.67B	3.61B
Provision For Loan Losses	7.57M	54.33M	54.94M	31.71M	30.32M
Total Revenues	977M	1.52B	2.07B	2.64B	3.58B
Salaries And Other Employee Benefits	227M	288M	261M	233M	248M
Cost of Services Provided, Total	1.2B	1.53B	1.86B	2.18B	2.81B
Total Operating Expenses	1.43B	1.82B	2.12B	2.41B	3.06B
Operating Income	-454M	-301M	-53.84M	234M	526M
EBT, Excl. Unusual Items	-454M	-301M	-53.84M	234M	526M
Total Merger & Related Restructuring Charges	-27.33M	-17.4M	-142K	-615K	-
Impairment of Goodwill	-	-	-247M	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	-481M	-319M	-301M	233M	526M
Income Tax Expense	2.76M	1.69M	-416K	-265M	44.54M
Earnings From Continuing Operations	-484M	-320M	-301M	499M	481M
Net Income to Company	-484M	-320M	-301M	499M	481M
Net Income - (IS)	-484M	-320M	-301M	499M	481M
Preferred Dividend and Other Adjustments	40.43M	40.42M	40.42M	19.53M	-
Net Income to Common Incl Extra Items	-524M	-361M	-341M	479M	481M
Net Income to Common Excl. Extra Items	-524M	-361M	-341M	479M	481M
Per Share Items
Net EPS - Basic	-1	-0.4	-0.36	0.46	0.42
Basic EPS - Continuing Operations	-1	-0.4	-0.36	0.46	0.42
Basic Weighted Average Shares Outstanding	527M	901M	945M	1.05B	1.15B
Net EPS - Diluted	-1	-0.4	-0.36	0.39	0.39
Diluted EPS - Continuing Operations	-1	-0.4	-0.36	0.39	0.39
Diluted Weighted Average Shares Outstanding	527M	901M	945M	1.1B	1.25B
Normalized Basic EPS	-0.54	-0.21	-0.04	0.14	0.29
Normalized Diluted EPS	-0.54	-0.21	-0.04	0.13	0.26
Payout Ratio	-8.35	-12.62	-13.44	3.31	-
Supplemental Items
Effective Tax Rate - (Ratio)	-0.57	-0.53	0.14	-113.7	8.47
Current Domestic Taxes	1.48M	4.28M	14.48M	19.45M	27.02M
Current Foreign Taxes	75K	909K	930K	2.15M	1.33M
Total Current Taxes	1.56M	5.18M	15.41M	21.6M	28.35M
Deferred Domestic Taxes	1.22M	543K	-115K	-226M	20.04M
Deferred Foreign Taxes	-18K	-4.04M	-15.71M	-61.12M	-3.86M
Total Deferred Taxes	1.2M	-3.5M	-15.83M	-287M	16.19M
Normalized Net Income	-284M	-188M	-33.65M	146M	329M
Supplemental Operating Expense Items
Stock-Based Comp., COGS (Total)	11.74M	17.84M	10.66M	13.46M	14.06M
Stock-Based Comp., S&M Exp. (Total)	16.14M	24.18M	26.78M	21.74M	20.77M
Stock-Based Comp., G&A Exp. (Total)	211M	264M	234M	211M	227M
Stock-Based Comp., Other (Total)	360K	-	-	-	-
Total Stock-Based Compensation	239M	306M	271M	246M	262M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	495M	1.42B	3.09B	2.54B	4.93B
Long-Term Investments - (FS Template)	589M	420M	725M	1.93B	2.68B
Trading Asset Securities, Total	-	34.61M	6.92M	291M	71.96M
Loans and Lease Receivables - (FS Template)	6.07B	308M	7.56B	9.84B	15.17B
Other Receivables	33.75M	127M	170M	587M	893M
Gross Property Plant And Equipment	206M	196M	189M	186M	209M
Accumulated Depreciation	-31.44M	-46.1M	-57.6M	-66.73M	-78.97M
Net Property Plant And Equipment	174M	150M	131M	119M	130M
Goodwill	899M	1.62B	1.39B	1.39B	1.39B
Other Intangibles, Total	337M	560M	539M	548M	612M
Loans Held For Sale	-	13.56B	15.4B	17.68B	22.86B
Restricted Cash	274M	424M	531M	171M	427M
Other Current Assets, Total	-	73.43M	216M	368M	633M
Deferred Tax Assets Long-Term (Collected)	-	-	-	267M	249M
Deferred Charges Long-Term	4.1M	-	-	-	-
Other Long-Term Assets, Total	302M	309M	319M	514M	602M
Total Assets	9.18B	19.01B	30.07B	36.25B	50.66B
Liabilities
Interest Bearing Deposits	-	7.27B	18.57B	25.86B	37.39B
Non-Interest Bearing Deposits	-	76.5M	51.67M	117M	118M
Deposits	-	7.34B	18.62B	25.98B	37.51B
Accounts Payable, Total	272M	127M	93.3M	106M	64.71M
Accrued Expenses, Total	1.31M	164M	269M	292M	389M
Short-Term Borrowings	864K	9.25M	4.6M	-	4.55M
Current Portion of Leases	23.25M	26.08M	25.5M	26.7M	27.83M
Long-Term Debt	4.04B	5.5B	5.24B	3.09B	1.82B
Long-Term Leases	130M	105M	96.32M	84.21M	91.12M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	118K	-	103M	91.21M	156M
Unearned Revenue Non Current	2.55M	10.03M	5.72M	7.47M	8.54M
Deferred Tax Liability Non-Current	-	56.48M	40.23M	20.16M	21.43M
Other Non Current Liabilities	7.44M	136M	20.65M	26.46M	86.79M
Total Liabilities	4.48B	13.48B	24.52B	29.73B	40.17B
Preferred Stock Redeemable	320M	320M	320M	-	-
Preferred Stock - Others	-	-	-	-	-
Total Preferred Equity	320M	320M	320M	-	-
Common Stock, Total	83K	93K	97K	109K	126K
Additional Paid In Capital	5.56B	6.72B	7.04B	7.84B	11.3B
Retained Earnings	-1.18B	-1.5B	-1.8B	-1.31B	-824M
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	-1.47M	-8.3M	-1.21M	-8.36M	10.98M
Total Common Equity	4.38B	5.21B	5.23B	6.53B	10.49B
Total Equity	4.7B	5.53B	5.55B	6.53B	10.49B
Total Liabilities And Equity	9.18B	19.01B	30.07B	36.25B	50.66B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	829M	935M	977M	1.1B	1.28B
ECS Total Common Shares Outstanding	828M	934M	976M	1.1B	1.27B
Book Value / Share	5.29	5.58	5.36	5.96	8.26
Tangible Book Value	3.14B	3.03B	3.3B	4.58B	8.48B
Tangible Book Value Per Share	3.79	3.24	3.38	4.18	6.68
Total Debt	4.2B	5.64B	5.37B	3.2B	1.94B
Net Debt	3.7B	4.19B	2.28B	375M	-3.06B
Equity Method Investments, Total	19.74M	22.82M	22.92M	29.5M	51.08M
Full Time Employees	2.5K	4.2K	4.4K	5K	6.1K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	-484M	-320M	-301M	499M	481M
Depreciation, Depletion & Amortization	31.06M	59.08M	96.5M	128M	129M
Amortization of Goodwill and Intangible Assets - (CF)	70.51M	91.54M	101M	65.85M	74.58M
Total Depreciation, Depletion & Amortization	102M	151M	197M	194M	203M
Amortization of Deferred Charges, Total	18.29M	19.03M	24.35M	23.12M	42.31M
(Gain) Loss on Sale of Investments - (CF)	-6.54M	13.6M	-48K	-2.84M	-1.96M
Total Asset Writedown	-	-	247M	-	-
Provision for Credit Losses	-	54.33M	10.94M	-127M	-321M
(Income) Loss On Equity Investments - (CF)	261K	-	-	-	-
Stock-Based Compensation (CF)	239M	306M	271M	246M	262M
Changes in Accrued Interest Receivable	-	-	-	-	-45.31M
Change in Accounts Payable	-9.02M	6.36M	42.09M	23.55M	-
Change in Other Net Operating Assets (Collected)	-1.34B	-7.5B	-7.68B	-1.64B	-4.39B
Other Operating Activities	126M	16.54M	-44.02M	-339M	29.95M
Cash from Operations	-1.35B	-7.26B	-7.23B	-1.12B	-3.74B
Capital Expenditure	-52.26M	-93.2M	-111M	-154M	-242M
Cash Acquisitions	-	58.54M	-72.3M	-	-
Purchase / Sale of Intangible Assets	-	-10.53M	-9.78M	-9.35M	-8.67M
Investment in Marketable and Equity Securities, Total	-101M	-6.24M	-442M	-1.23B	-657M
Net (Increase) Decrease in Loans Originated / Sold - Investing	247M	-54.9M	-1.25B	-3.43B	-5.81B
Other Investing Activities, Total	16.69M	-	-	-	-
Cash from Investing	110M	-106M	-1.89B	-4.82B	-6.72B
Long-Term Debt Issued, Total	9.52B	1.86B	521M	845M	-
Total Debt Issued	9.52B	1.86B	521M	845M	-
Long-Term Debt Repaid, Total	-10.43B	-517M	-800M	-2.34B	-1.29B
Total Debt Repaid	-10.43B	-517M	-800M	-2.34B	-1.29B
Issuance of Common Stock	120M	2.61M	1.14M	21.41M	3.22B
Repurchase of Common Stock	-193M	-8.98M	-15.3M	-22.6M	-64.99M
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-133M	-	-	-323M	-
Preferred Dividends Paid	-40.43M	-40.42M	-40.42M	-16.5M	-
Common & Preferred Stock Dividends Paid	-40.43M	-40.42M	-40.42M	-16.5M	-
Other Financing Activities, Total	1.84B	7.14B	11.22B	6.87B	11.24B
Cash from Financing	685M	8.44B	10.89B	5.03B	13.11B
Foreign Exchange Rate Adjustments	46K	571K	677K	2K	-355K
Net Change in Cash	-555M	1.08B	1.77B	-906M	2.65B
Supplemental Items
Cash Interest Paid	94.8M	151M	720M	1.12B	1.15B
Cash Income Tax Paid (Refund)	1.76M	2.57M	14.33M	26.91M	28.91M
Net Debt Issued / Repaid	-908M	1.34B	-280M	-1.49B	-1.29B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	-5.46	-2.27	-1.23	1.5	1.11
Return On Equity %	-12.42	-6.27	-5.43	8.26	5.66
Return on Common Equity	-24.63	-7.53	-6.53	8.15	5.66
Margin Analysis
Gross Profit Margin %	73.7	79.38	81.62	82.53	83
SG&A Margin	120.14	99.22	84.23	73.68	68.33
Income From Continuing Operations Margin %	-49.52	-21.09	-14.54	18.87	13.43
Net Income Margin %	-49.52	-21.09	-14.54	18.87	13.43
Net Avail. For Common Margin %	-53.65	-23.75	-16.5	18.13	13.43
Normalized Net Income Margin	-29.02	-12.4	-1.63	5.53	9.17
Asset Turnover
Asset Turnover	0.11	0.11	0.08	0.08	0.08
Short Term Liquidity
Current Ratio	23.12	2.08	1.41	1.19	1.18
Quick Ratio	22.2	0.25	0.57	0.5	0.55
Operating Cash Flow to Current Liabilities	-4.54	-0.95	-0.38	-0.04	-0.1
Long Term Solvency
Total Debt/Equity	89.31	102.08	96.62	49.11	18.49
Total Debt / Total Capital	47.18	50.52	49.14	32.93	15.6
LT Debt/Equity	88.8	101.44	96.08	48.7	18.18
Long-Term Debt / Total Capital	46.91	50.2	48.86	32.66	15.34
Total Liabilities / Total Assets	48.81	70.91	81.53	82	79.29
Tier 1 Capital Ratio %	-	20.3	15	16	22.8
Total Capital Ratio %	-	20.6	15.3	16.2	22.9
Leverage Ratio %	-	21.8	12.8	13.4	18.8
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	72.81	55.45	36.11	27.82	35.56
Gross Profit, 1 Yr. Growth %	86.3	67.42	39.96	29.25	36.33
Earnings From Cont. Operations, 1 Yr. Growth %	115.99	-33.79	-6.14	-265.81	-3.48
Net Income, 1 Yr. Growth %	115.99	-33.79	-6.14	-265.81	-3.48
Normalized Net Income, 1 Yr. Growth %	44.74	-33.7	-82.02	-534.53	125.36
Diluted EPS Before Extra, 1 Yr. Growth %	-76.74	-59.95	-9.87	-209.35	-2.31
Common Equity, 1 Yr. Growth %	-3.74K	18.98	0.51	24.65	60.76
Total Assets, 1 Yr. Growth %	7.16	107.14	58.22	20.54	39.75
Tangible Book Value, 1 Yr. Growth %	-324.69	-3.7	9.13	38.83	85.08
Cash From Operations, 1 Yr. Growth %	181.68	437.38	-0.4	-84.51	234.21
Capital Expenditures, 1 Yr. Growth %	112.88	78.34	19.54	38.47	57.16
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	48.59	63.9	45.46	31.9	31.63
Gross Profit, 2 Yr. CAGR %	48.57	76.61	53.07	34.5	32.74
Earnings From Cont. Operations, 2 Yr. CAGR %	42.09	19.58	-21.17	24.75	26.51
Net Income, 2 Yr. CAGR %	42.09	19.58	-21.17	24.75	26.51
Normalized Net Income, 2 Yr. CAGR %	38.25	-4.23	-65.56	-11.6	212.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-50.12	-69.48	-39.92	-0.72	3.35
Common Equity, 2 Yr. CAGR %	259.31	558.48	9.35	11.93	41.56
Total Assets, 2 Yr. CAGR %	12.2	48.98	81.04	38.1	29.79
Tangible Book Value, 2 Yr. CAGR %	185.9	47.1	2.52	23.09	60.3
Cash From Operations, 2 Yr. CAGR %	396.68	289.07	131.36	-60.72	-28.04
Capital Expenditures, 2 Yr. CAGR %	17.91	94.85	46.01	28.65	47.52
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	53.65	50.84	54.06	39.33	33.11
Gross Profit, 3 Yr. CAGR %	58.61	54.61	63.43	44.68	35.1
Earnings From Cont. Operations, 3 Yr. CAGR %	24.23	10.16	10.31	1	14.53
Net Income, 3 Yr. CAGR %	24.23	10.16	10.31	1	14.53
Normalized Net Income, 3 Yr. CAGR %	21.45	8.26	-45.28	-19.82	20.65
Diluted EPS Before Extra, 3 Yr. CAGR %	-48.2	-53.64	-56.21	-26.64	-1.26
Common Equity, 3 Yr. CAGR %	299.95	148.58	251.91	14.23	26.29
Total Assets, 3 Yr. CAGR %	2.38	37.64	52	58.08	38.65
Tangible Book Value, 3 Yr. CAGR %	208.06	98.92	33.16	13.42	41.02
Cash From Operations, 3 Yr. CAGR %	9.68	409.89	147.04	-6.05	-19.8
Capital Expenditures, 3 Yr. CAGR %	56.14	35.35	65.56	43.45	37.53
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	24.56	50.32	42.96	44.66
Gross Profit, 5 Yr. CAGR %	-	22.85	56.37	46.22	50.39
Earnings From Cont. Operations, 5 Yr. CAGR %	-	45.13	3.57	15.78	16.52
Net Income, 5 Yr. CAGR %	-	45.13	3.57	15.78	16.52
Normalized Net Income, 5 Yr. CAGR %	-	43.18	-26.64	-0.3	9.87
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-21.32	-45.03	-37.13	-38.26
Common Equity, 5 Yr. CAGR %	-	-	138.09	80.66	144.47
Total Assets, 5 Yr. CAGR %	-	-	28.6	37.83	42.69
Tangible Book Value, 5 Yr. CAGR %	-	-	98.38	64.17	43.42
Cash From Operations, 5 Yr. CAGR %	-	19.84	47.84	82.89	50.84
Capital Expenditures, 5 Yr. CAGR %	-	51.74	52	32.63	58.09