SOFI
$15.84+0.76%
as of close, Oct 1, 2026
☾ AH $15.84 +0.76%
SoFi Technologies Inc. Common StockStock · FinanceNasdaq Composite 0.05%Russell 1000 0.03%US Stock Market 0.03%Russell 3000 0.03%MSCI World 0.03%MSCI ACWI 0.02%
SOFI financial statements
The full income statement, balance sheet, and cash-flow statement for SoFi Technologies Inc. Common Stock (SOFI), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 1.07B2024-09 1.09B2024-12 1.10B2025-03 1.11B2025-06 1.20B2025-09 1.21B2025-12 1.28B2026-03 1.28B2026-06 1.29B+21.2% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 3.61B+35.1% | 2.67B+26.0% | 2.12B+34.9% | 1.57B+59.8% | 985M+74.1% | ||
| Noninterest income | 1.39B+45.5% | 958M+11.3% | 861M-13.0% | 989M+35.1% | 733M+89.0% | |
| Cost of revenue | 609M+31.9% | 462M+21.5% | 380M+21.3% | 313M+21.9% | 257M+43.6% | |
| Research & development | 648M+17.5% | 552M+7.9% | 511M+26.2% | 405M+46.8% | 276M+37.2% | |
| Selling, general & administrative | 704M+17.4% | 600M+17.4% | 511M+1.9% | 502M+0.6% | 499M+110.0% | |
| General & administrative | 704M+17.4% | 600M+17.4% | 511M+1.9% | 502M+0.6% | 499M+110.0% | |
| Selling & marketing | 1.10B+37.6% | 796M+10.7% | 719M+16.4% | 618M+44.7% | 427M+54.3% | |
| Restructuring | 948K-38.0% | 1.53M-88.0% | 12.7M | — | — | |
| Amortization of intangibles | 74.6M-1.2% | 75.5M-28.0% | 105M+12.8% | 93.0M+31.9% | 70.5M+41.8% | |
| Noninterest expense | 3.06B+26.9% | 2.41B+1.7% | 2.37B+28.9% | 1.84B+25.4% | 1.47B+64.0% | |
| Provision for credit losses | 698K-81.1% | 3.69M+376.7% | 773K+31.9% | 586K-80.7% | 3.04M+297.3% | |
| Interest expense | — | — | 789M+317.0% | 189M+84.2% | 103M-44.6% | |
| Interest & investment income | 3.38B+20.2% | 2.81B+36.9% | 2.05B+165.2% | 773M+117.8% | 355M-2.3% | |
| Net interest income | 2.22B+29.3% | 1.72B+36.0% | 1.26B+116.0% | 584M+131.6% | 252M+41.8% | |
| Equity-method income | — | — | 0.00 | 0.00+100.0% | -261K-106.1% | |
| Pre-tax income | 526M+125.4% | 233M+177.5% | -301M+5.5% | -319M+33.8% | -481M-46.5% | |
| Income tax | 44.5M+116.8% | -265M-63678.8% | -416K-124.7% | 1.69M-38.9% | 2.76M+102.6% | |
| 481M-3.5% | 499M+265.8% | -301M+6.1% | -320M+33.8% | -484M-116.0% | ||
| Net income to common | 481M+0.5% | 479M+240.4% | -341M+5.4% | -361M+31.2% | -524M-65.3% | |
| $0.39+0.0% | $0.39+208.3% | -$0.36+10.0% | -$0.40+60.0% | -$1.00+76.7% | ||
| EPS (basic) | $0.42-8.7% | $0.46+227.8% | -$0.36+10.0% | -$0.40+60.0% | -$1.00+76.7% | |
| Weighted-avg shares (basic) | 1.15B+9.5% | 1.05B+11.1% | 945M+4.9% | 901M+71.0% | 527M+613.2% | |
| Weighted-avg shares (diluted) | 1.25B+13.7% | 1.10B+16.5% | 945M+4.9% | 901M+71.0% | 527M+613.2% | |
| Dividends per share | $0.00 | $0.00 | $0.00 | $0.00 | — | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 4.93B+94.2% | 2.54B-17.7% | 3.09B+117.0% | 1.42B+187.4% | 495M-43.3% | |
| 50.7B+39.7% | 36.3B+20.5% | 30.1B+58.2% | 19.0B+107.1% | 9.18B+7.2% | ||
| Operating lease right-of-use | 93.9M+15.7% | 81.2M-9.4% | 89.6M-7.7% | 97.1M-15.7% | 115M-1.4% | |
| Goodwill | 1.39B+0.0% | 1.39B+0.0% | 1.39B-14.1% | 1.62B+80.6% | 899M-0.1% | |
| Intangible assets | 232M-22.1% | 298M-18.2% | 364M-17.7% | 442M+55.4% | 285M-19.9% | |
| Deferred revenue | 8.54M+14.2% | 7.47M+30.7% | 5.72M-43.0% | 10.0M+292.8% | 2.55M+1.3% | |
| 40.2B+35.1% | 29.7B+21.2% | 24.5B+81.9% | 13.5B+201.0% | 4.48B-18.7% | ||
| Long-term debt | — | — | — | 5.49B+39.0% | 3.95B-17.7% | |
| Operating lease liability (total) | 106M+9.0% | 97.4M-10.4% | 109M-7.7% | 118M-15.2% | 139M-0.7% | |
| Finance lease liability (total) | 12.8M-5.7% | 13.5M+2.6% | 13.2M-3.7% | 13.7M-3.5% | 14.2M-3.5% | |
| 10.5B+60.8% | 6.53B+24.7% | 5.23B+0.5% | 5.21B+19.0% | 4.38B+3744.3% | ||
| Common stock | 126K+15.6% | 109K+12.4% | 97.0K+4.3% | 93.0K+12.0% | 83.0K | |
| Additional paid-in capital | 11.3B+44.2% | 7.84B+11.3% | 7.04B+4.8% | 6.72B+20.8% | 5.56B+860.2% | |
| Retained earnings | -824M+36.9% | -1.31B+27.6% | -1.80B-20.0% | -1.50B-27.1% | -1.18B-69.2% | |
| Accumulated other comprehensive income | 11.0M+231.2% | -8.37M-591.9% | -1.21M+85.4% | -8.30M-464.0% | -1.47M-786.1% | |
| Total liabilities & equity | 50.7B+39.7% | 36.3B+20.5% | 30.1B+58.2% | 19.0B+107.1% | 9.18B+7.2% | |
| Common shares issued | 1.27B+16.0% | 1.10B+12.2% | 976M+4.5% | 934M+12.8% | 828M+619.6% | |
| Common shares outstanding | 1.27B+16.0% | 1.10B+12.2% | 976M+4.5% | 934M+12.8% | 828M+619.6% | |
| Shares outstanding (cover) | 1.28B+16.3% | 1.10B+12.3% | 977M+4.5% | 935M+12.8% | 829M | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| -3.74B-234.2% | -1.12B+84.5% | -7.23B+0.4% | -7.26B-437.4% | -1.35B-181.7% | ||
| Depreciation & amortization | 234M+15.1% | 203M+1.0% | 201M+33.1% | 151M+49.0% | 102M+45.4% | |
| Intangible amortization | 74.6M-1.2% | 75.5M-28.0% | 105M+12.8% | 93.0M+31.9% | 70.5M+41.8% | |
| Share-based compensation | 262M+6.5% | 246M-9.2% | 271M-11.4% | 306M+28.0% | 239M+139.3% | |
| Deferred income taxes | 16.2M+105.6% | -287M-1712.7% | -15.8M-352.5% | -3.50M-390.5% | 1.20M+101.2% | |
| -6.72B-39.4% | -4.82B-155.1% | -1.89B-1677.3% | -106M-196.5% | 110M-57.4% | ||
| Capital expenditure | 242M+57.2% | 154M+38.5% | 111M+19.5% | 93.2M+78.3% | 52.3M+112.9% | |
| Free cash flow | -3.98B-212.8% | -1.27B+82.6% | -7.34B+0.1% | -7.35B-424.0% | -1.40B-178.3% | |
| Acquisitions | 0.00 | 0.00-100.0% | 72.3M+223.5% | -58.5M | 0.00-100.0% | |
| Sales/maturities of investments | 550M-32.0% | 808M+425.1% | 154M+909.4% | 15.2M+217.6% | 4.80M | |
| 13.1B+160.4% | 5.03B-53.8% | 10.9B+29.0% | 8.44B+1132.1% | 685M-19.8% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 9.52B-7.0% | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 10.4B+7.4% | |
| Net short-term debt | — | — | — | 1.42B+219.5% | -1.19B-209.0% | |
| Common stock issued | 3.19B | 0.00 | 0.00 | 0.00 | 0.00-100.0% | |
| Common stock repurchased | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 526K+1215.0% | |
| Dividends paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| FX effect on cash | -355K-17850.0% | 2.00K-99.7% | 677K+18.6% | 571K+1141.3% | 46.0K+131.7% | |
| Net change in cash | 2.65B+392.1% | -906M-151.2% | 1.77B+64.1% | 1.08B+294.2% | -555M-187.6% | |
| Interest paid | 1.15B+2.5% | 1.12B+55.2% | 720M+377.4% | 151M+59.1% | 94.8M-26.6% | |
| Income taxes paid | 28.9M+7.4% | 26.9M+87.8% | 14.3M+458.1% | 2.57M+45.9% | 1.76M+232.5% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 33.4B+97.7% | 16.9B+77.0% | 9.54B+123.0% | 4.28B-67.3% | 13.1B | |
| P/E | 69.4×+104.8% | 33.9× | — | — | — | |
| P/S | 9.2×+46.4% | 6.3×+30.0% | 4.9×+59.2% | 3.1×-77.1% | 13.3× | |
| P/B | 3.2×+23.0% | 2.6×+37.1% | 1.9×+128.6% | 0.8×-72.4% | 3.0× | |
| Earnings yield | 1.4%-51.2% | 3.0% | — | — | — | |
| Dividend yield | 0.00% | 0.00% | 0.00% | 0.00% | — | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: SOFI’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all SOFI filings on SEC EDGAR → Not investment advice.