Financials SoFi Technologies, Inc.

Equities

SOFI

US83406F1021

Consumer Lending

Market Closed - Nasdaq Other stock markets 04:00:00 2025-01-24 pm EST			After market 07:59:34 pm
17.92 ^USD	-0.61%		17.94	+0.14%

Jan. 16	SoFi Technologies Reports $525 Million Securitization Deal With PGIM Fixed Income	MT
Jan. 15	Warner Bros. Discovery Appoints Anthony Noto, Joey Levin as Directors	MT

Projected Income Statement: SoFi Technologies, Inc.

income-statement-evolution-chart SOFI-TECHNOLOGIES-INC

Fiscal Period: December	2021	2022	2023	2024	2025	2026
Net sales ¹	1,010	1,540	2,074	2,569	3,046	3,583
Change	-	52.47%	34.63%	23.87%	18.57%	17.63%
EBITDA ¹	30.22	143.3	431.7	647.7	943.5	1,346
Change	-	374.33%	201.19%	50.02%	45.67%	42.67%
EBIT ¹	-455.7	-297.4	-295.1	196.4	379	625.1
Change	-	-34.73%	-0.8%	-	92.94%	64.95%
Interest Paid ¹	-10.34	-18.44	-36.83	-49.06	-51.16	-51.16
Earnings before Tax (EBT) ¹	-481.2	-318.7	-301.2	218.5	405.2	699.5
Change	-	-33.76%	-5.51%	-	85.47%	72.64%
Net income ¹	-483.9	-320.4	-300.7	204.7	344.7	576.8
Change	-	-33.79%	-6.14%	-	68.39%	67.33%
Announcement Date	3/1/22	1/30/23	1/29/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	-	231.3	277.2	279.9	321.7	356.1	419.3	443.4	460.2	488.8	530.7	594.2	580.6	597	689.4	682.2	707.5	747.1	791.8	811.8	838.6	876.8	911.1
Change	-	-	19.85%	0.97%	14.95%	10.68%	17.74%	5.76%	3.78%	6.23%	8.57%	11.97%	-2.29%	2.81%	15.49%	-1.05%	3.7%	5.61%	5.98%	2.52%	3.31%	4.56%	3.91%
EBITDA ¹	-	11.24	10.26	4.593	8.684	20.3	44.3	70.06	75.69	76.82	98.02	181.2	144.4	137.9	186.2	177	209.9	224.4	259.3	280.2	311.2	322.2	370.7
Change	-	-	-8.75%	-55.22%	89.07%	133.81%	118.17%	58.16%	8.03%	1.49%	27.61%	84.85%	-20.32%	-4.49%	35.05%	-4.94%	18.56%	6.93%	15.53%	8.08%	11.05%	3.53%	15.06%
EBIT ¹	-	-65.9	-	-115.2	-105.3	-92.05	-62.86	-37.26	-39.65	-45.92	-251.6	42.09	37.06	25.33	62.19	48.61	80.6	81.39	108.2	125.3	152.8	150.7	178.5
Change	-	-	-100%	-	-8.62%	-12.55%	-31.71%	-40.71%	6.39%	15.81%	447.92%	-	-11.95%	-31.66%	145.56%	-21.84%	65.82%	0.98%	32.89%	15.85%	21.95%	-1.39%	18.43%
Charge d'intérêts ¹	-	-	-1.366	-2.593	-2.649	-3.45	-5.27	-7.069	-8	-9.167	-9.784	-9.882	-10.71	-12.72	-12.87	-12.96	-12.94	-12.94	-12.94	-12.94	-12.87	-12.87	-12.87
Earnings before Tax (EBT) ¹	-	-	-29.87	-109.5	-109.6	-95.72	-74.45	-38.95	-36.06	-49.33	-266.9	51.16	94.23	15.34	63.86	46.25	80.97	98.2	118.6	122.7	151.9	172.1	195.1
Change	-	-	-	266.48%	0.14%	-12.67%	-22.22%	-47.69%	-7.42%	36.8%	441.12%	-	84.19%	-83.72%	316.26%	-27.57%	75.06%	21.28%	20.83%	3.41%	23.82%	13.26%	13.38%
Net income ¹	-60.39	-165.3	-30.05	-111	-110.4	-95.84	-84.4	-40.01	-34.42	-47.55	-276.9	47.91	88.04	17.4	60.74	44.29	67.81	84.65	99.32	100.1	128.4	147.5	164.2
Change	-	173.72%	-81.82%	269.46%	-0.59%	-13.16%	-11.93%	-52.6%	-13.96%	38.14%	482.29%	-	83.76%	-80.23%	249.03%	-27.09%	53.1%	24.84%	17.32%	0.78%	28.29%	14.85%	11.31%
Announcement Date	5/24/21	8/12/21	11/10/21	3/1/22	5/10/22	8/2/22	11/1/22	1/30/23	5/1/23	7/31/23	10/30/23	1/29/24	4/29/24	7/30/24	10/29/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: SoFi Technologies, Inc.

balance-sheet-analysis-chart SOFI-TECHNOLOGIES-INC

Fiscal Period: December	2021	2022	2023	2024	2025	2026
Net Debt ¹	3,412	4,081	1,625	-1,187	-1,688	-2,294
Change	-	19.61%	-60.18%	-173.04%	-242.21%	-235.9%
Announcement Date	3/1/22	1/30/23	1/29/24	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: SoFi Technologies, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026
CAPEX ¹	52.26	93.2	111.4	145	147.2	156
Change	-	78.34%	19.54%	30.18%	1.47%	6%
Free Cash Flow (FCF) ¹	-1,402	-7,349	-	516	683	896
Change	-	424.01%	-	-	32.36%	31.19%
Announcement Date	3/1/22	1/30/23	1/29/24	-	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: SoFi Technologies, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	2.99%	9.31%	20.82%	25.21%	30.97%	37.57%
EBIT Margin (%)	-45.11%	-19.31%	-14.23%	7.65%	12.44%	17.45%
EBT Margin (%)	-47.63%	-20.69%	-14.52%	8.5%	13.3%	19.52%
Net margin (%)	-47.9%	-20.8%	-14.5%	7.97%	11.32%	16.1%
FCF margin (%)	-138.81%	-477.06%	-	20.09%	22.42%	25.01%
FCF / Net Income (%)	289.81%	2,293.66%	-	252.07%	198.14%	155.35%
Profitability
ROA	-3.94%	-2.27%	-0.32%	0.59%	0.92%	1.24%
ROE	-16.41%	-6.69%	-5.43%	2.79%	4.94%	7.11%
Financial Health
Leverage (Debt/EBITDA)	112.9x	28.47x	3.76x	-	-	-
Debt / Free cash flow	-2.43x	-0.56x	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	5.17%	6.05%	5.37%	5.65%	4.83%	4.35%
CAPEX / EBITDA (%)	172.93%	65.02%	25.8%	22.39%	15.6%	11.59%
CAPEX / FCF (%)	-3.73%	-1.27%	-	28.11%	21.55%	17.41%
Items per share
Cash flow per share ¹	-2.563	-8.054	-	-	-	-
Change	-	214.2%	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Book Value Per Share ¹	5.286	5.577	5.692	5.603	5.873	6.371
Change	-	5.51%	2.07%	-1.57%	4.81%	8.49%
EPS ¹	-1	-0.4	-0.36	0.133	0.2874	0.4911
Change	-	-60%	-10%	-136.95%	116.02%	70.9%
Nbr of stocks (in thousands)	806,917	927,938	958,743	1,085,147	1,085,147	1,085,147
Announcement Date	3/1/22	1/30/23	1/29/24	-	-	-