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  4. SOFI TECHNOLOGIES INC
SoFi Technologies Inc
XNAS: SOFI
Weak Stock
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15.240.01(0.07%)
Near 52W Low of $14.88
30.9M
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XNAS 13 Oct, 2026 5:30 PM (EDT)

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SoFi Tech Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for SoFi Tech Inc share price target, revenues, EPS, net income and more

SoFi Tech Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue SoFi Tech Inc Jun-2026 Quarterly Revenue is $1,219 Million which is growth of 42.5% YoY.

  • POSITIVE

    Quarterly Net Profit SoFi Tech Inc Jun-2026 Quarterly Net Profit is $157 Million which is growth of 61.0% YoY.

SoFi Technologies Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
1,218.71,100.41,025.1961.6854.9771.8734.1693.8598.6585.8600.8537.2498
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------306.4311.2314
Operating Profit
----------
⌄
-------------
Profit Before Tax
204.3199.6185.3148.6112.279.859.963.915.394.251.2-266.9-49.3
Tax
47.732.811.89.214.98.7-272.63.1-2.16.23.2-0.2-1.8
⌄
156.6166.7173.6139.497.371.1332.560.787837.7-276.9-57.6
Diluted NI Avail to Com Stockholders Ann.
156.7167.1173.9139.797.671.5345.958.1822.537.7-276.9-57.6
Basic EPS
0.10.10.10.10.10.10.30.100.10-0.3-0.1
Diluted EPS After ExtraOrdinary
0.10.10.10.10.10.10.10.1000-0-0.1
Number Of Shares End
1,284.31,276.31,223.61,171.21,1071,0981,088.11,071.21,058.6982.6962.9951.2936.6
Net Income Continuing Discontinued Operations
156.6166.7173.6139.497.371.1332.560.717.48847.9-266.7-47.6
Normalized Income
160.5229.6173.9139.797.671.56160.766.322.547.942.425.8
Interest Income
1,140.51,001927.4891.6792.4763.8743.9723.4674.6665.9645.2564.3470
Interest
352.3308310.1306.5274.6265.1273.8292.4262263.2255.6219.3178.9
Net Interest Income
788.2693617.3585.1517.8498.7470.2431412.6402.7389.6345291.1
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
73.167.662.959.256.755.353.651.849.648.553.552.550.1
Profit From Continuing Operations
156.6166.7173.6139.497.371.1332.560.717.48847.9-266.7-47.6
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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SoFi Tech Inc competitor comparison and performance snapshot within industry

SoFi Tech Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue SoFi Tech Inc Dec-2025 Annual Revenue is $3,613 Million which is growth of 38.3% YoY.

  • NEGATIVE

    Annual Net Profit SoFi Tech Inc Dec-2025 Annual Net Profit is $481 Million which is growth of -3.5% YoY.

SoFi Technologies Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18
⌄
31.9%
44.9%
 3,613.42,612.32,108.21,573.5984.9565.5442.7269.4
Cost Of Rev. Ann.
-
-
 --------
Gross Profit Ann.
-
-
 --------
Operating Exp. Ann.
-
-
 ---789.3-189.3-102.8-185.6-278.4-330.6
Operating Profit Ann.
-
-
 --2,897.51,762.81,087.7751.1721600
⌄
-
-
 --------
Other Exp. Ann.
-
-
 --------
PBT Ann.
-
-
737.7525.9233.3-301.2-318.7-481.2-328.5-239.6-253.4
Tax Ann.
196.9%
-
101.544.5-265.3-0.41.72.8-104.50.1-1
⌄
-
-
636.3481.3479.1-341.2-360.8-524.4-317.3-263.6-252.4
Diluted NI Avail to Com Stockholders Ann.
-
-
637.4482.7434.8-341.2-360.8-524.4-317.3-263.6-252.4
EPS Ann.
-
-
 0.40.5-0.4-0.4-1-2.7-2.3-2.2
Diluted EPS Ann.
-
-
 0.40.4-0.4-0.4-1-2.7-2.3-2.2
Number Of Shares End
9.8%
60.1%
 1,223.61,088.1962.9923.2828.2116.2--
Total Exp. Ann.
-
-
 --------
Net Income Continuing Discontinued Operations Ann.
-
-
636.3481.3498.7-300.7-320.4-483.9-224.1-239.7-252.4
Normalized Income Ann.
-
-
703.7482.7227.2-53.6-320.4-289.2-149.1-193.3-208.6
Interest Income Ann.
63.4%
56.2%
3,960.53,375.22,807.82,051.1773.4355363.5608.2589.6
Interest Ann.
82.8%
44.2%
1,276.91,156.21,091.3789.3189.3102.8185.6278.4330.6
EBITDA Ann.
-
-
 --------
Reconciled Cost Of Rev. Ann.
-
-
 --------
Reconciled Depr. Ann.
15.7%
27.4%
262.8234.2203.5201.4151.4101.669.81610.9
Profit From Continuing Operations Ann.
-
-
636.3481.3498.7-300.7-320.4-483.9-224.1-239.7-252.4
Normalized EBITDA Ann.
-
-
 --------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
38.3%
2Y CAGR
30.9%
3Y CAGR
31.9%
5Y CAGR
44.9%
7Y CAGR
44.9%
Total Revenue Annual growth is stable compared to historical averages.
Net Profit Ann.
1Y CHG
-3.5%
Net Profit Annual is falling faster than historical averages.

SoFi Tech Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund SoFi Tech Inc Dec-2025 Total Shareholders Fund is $10,489 Million which is growth of 60.8% YoY.

  • POSITIVE

    Total Assets SoFi Tech Inc Dec-2025 Total Assets is $50,660 Million which is growth of 39.7% YoY.

SoFi Technologies Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18
⌄
38.6%
42.7%
50,660.536,25130,074.919,007.79,176.38,563.57,289.2-
⌄
43.9%
48.8%
40,17129,725.824,519.913,479.24,478.65,509.95,188.5-
⌄
26.3%
-
10,489.56,525.15,234.65,208.14,377.3-120.1-339.1-
Total Capitalization Ann.
3.9%
9.6%
11,819.29,132.410,309.810,545.48,241.67,484.86,899.8-
Tangible Assets Ann.
36.8%
38.8%
8,485.94,491.73,6173,313.53,346.31,649.61,871.6-
Working Capital Ann.
-
-
--
Invested Capital Ann.
4.7%
20.7%
12,305.29,618.410,475.410,7118,4194,797.14,621.1-
Tangible Book Value Ann.
41.5%
-
8,485.94,491.73,296.62,993.13,026-1,524.1-568.1-
Borrowings Ann.
-30%
-17.5%
1,934.63,204.25,362.65,634.44,180.55,0575,084.9-
Net Debt Ann.
-
-
-5552,155.84,0813,5474,044.64,460.7-
Share Issued Ann.
10.8%
9.4%
1,270.61,095.4975.9933.9828.2811811-
Number Of Shares End
9.8%
60.1%
1,223.61,088.1962.9923.2828.2116.2--
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
39.7%
2Y CAGR
29.8%
3Y CAGR
38.6%
5Y CAGR
42.7%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
60.8%
2Y CAGR
41.6%
3Y CAGR
26.3%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

SoFi Tech Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share SoFi Tech Inc Book Value Per Share is $8 which is growth of 38.2% YoY.

  • NEUTRAL

    ROE SoFi Tech Inc ROE is 0% which is growth of 0% YoY.

SoFi Technologies Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18
RoA Ann. %
-
-
-1.44%-1.39%-2.56%-5.91%-4.00%-3.62%-
ROE Ann. %
-
-
-8.15%-6.53%-7.53%-24.63%---
ROIC %
-
-
--------
OPM Ann. %
-
-
--137.44%112.03%110.44%132.82%162.88%222.70%
Inventory Turnover Ratio Ann.
-
-
--------
Asset Turnover Ann. %
-
-
-0.10.10.10.10.10.1-
Working Capital Turnover Ann.
-
-
--------
Quick Ratio Ann.
-
-
--------
Current Ratio Ann.
-
-
--------
Interest Coverage Ratio Ann.
-
-
--------
LT Debt To Equity Ann.
-
-
-0.40.910.8---
*All financials are in USD Million and price data in USD
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SoFi Tech Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity SoFi Tech Inc Dec-2025 Cash From Operating Activity is $-3,742 Million which is growth of -234.2% YoY.

  • POSITIVE

    Net Cash Flow SoFi Tech Inc Dec-2025 Net Cash Flow is $2,648 Million which is growth of 392.2% YoY.

SoFi Technologies Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18
⌄
-
-
-3,742.5-1,119.8-7,227.1-7,255.9-1,350.2-479.3-54.71,023.3
⌄
-
-
-6,719.1-4,821-1,889.9-106.3110.2259114.9-12.3
⌄
15.8%
72.7%
13,109.35,034.610,885.68,439.5685853.893.1-954.8
Cash Plus Cash Eqv. End Of Year Ann.
42.6%
32.3%
5,356.82,709.43,615.61,846.3768.41,323.4690.2537
Net Increase In Cash Plus Cash Eqv.s Ann.
35%
33.1%
2,647.8-906.21,768.61,077.3-555633.4153.256.2
Cash Plus Cash Eqv. Begin Of Year Ann.
52.2%
31.5%
2,709.43,615.61,846.3768.41,323.4690.2537480.8
Income Tax Paid Supplemental Data Ann.
123.2%
125.1%
28.926.914.32.61.80.500.1
Interest Paid Supplemental Data Ann.
96.6%
54.8%
1,146.31,118720.2150.994.8129.1224.9223.4
Capex Ann.
-
-
-251.1-163.6-121.2-103.7-52.3-24.6-37.6-13.7
Issuance Of Capital Stock Ann.
-
53.8%
3,185.6--369.8573.9
Issuance Of Debt Ann.
-55.4%
-41.6%
845.3520.61,858.59,521.310,234.412,458.113,702.9
Repayment Of Debt Ann.
-
-
-1,286.7-2,336-800.4-516.9-10,429.7-9,709.5-12,826.1-14,634.4
Repurchase Of Capital Stock Ann.
-
-
-323.4-283.4-0-8.8
Free Cash Flow Ann.
-
-
-3,993.6-1,283.4-7,348.3-7,359.6-1,402.5-503.9-92.31,009.6
*All financials are in USD Million and price data in USD
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Cash from Financing Act. Ann.
1Y CHG
160.4%
2Y CAGR
9.7%
3Y CAGR
15.8%
5Y CAGR
72.7%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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