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.

PeriodRangeOrderChangeYoYQoQFiguresAs-reported fiscal years.

Line item	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 YoY+35.1%	2.67B YoY+26.0%	2.12B YoY+34.9%	1.57B YoY+59.8%	985M YoY+74.1%
Noninterest income	1.39B YoY+45.5%	958M YoY+11.3%	861M YoY-13.0%	989M YoY+35.1%	733M YoY+89.0%
Cost of revenue	609M YoY+31.9%	462M YoY+21.5%	380M YoY+21.3%	313M YoY+21.9%	257M YoY+43.6%
Research & development	648M YoY+17.5%	552M YoY+7.9%	511M YoY+26.2%	405M YoY+46.8%	276M YoY+37.2%
Selling, general & administrative	704M YoY+17.4%	600M YoY+17.4%	511M YoY+1.9%	502M YoY+0.6%	499M YoY+110.0%
General & administrative	704M YoY+17.4%	600M YoY+17.4%	511M YoY+1.9%	502M YoY+0.6%	499M YoY+110.0%
Selling & marketing	1.10B YoY+37.6%	796M YoY+10.7%	719M YoY+16.4%	618M YoY+44.7%	427M YoY+54.3%
Restructuring	948K YoY-38.0%	1.53M YoY-88.0%	12.7M	—	—
Amortization of intangibles	74.6M YoY-1.2%	75.5M YoY-28.0%	105M YoY+12.8%	93.0M YoY+31.9%	70.5M YoY+41.8%
Noninterest expense	3.06B YoY+26.9%	2.41B YoY+1.7%	2.37B YoY+28.9%	1.84B YoY+25.4%	1.47B YoY+64.0%
Provision for credit losses	698K YoY-81.1%	3.69M YoY+376.7%	773K YoY+31.9%	586K YoY-80.7%	3.04M YoY+297.3%
Interest expense	—	—	789M YoY+317.0%	189M YoY+84.2%	103M YoY-44.6%
Interest & investment income	3.38B YoY+20.2%	2.81B YoY+36.9%	2.05B YoY+165.2%	773M YoY+117.8%	355M YoY-2.3%
Net interest income	2.22B YoY+29.3%	1.72B YoY+36.0%	1.26B YoY+116.0%	584M YoY+131.6%	252M YoY+41.8%
Equity-method income	—	—	0.00	0.00 YoY+100.0%	-261K YoY-106.1%
Pre-tax income	526M YoY+125.4%	233M YoY+177.5%	-301M YoY+5.5%	-319M YoY+33.8%	-481M YoY-46.5%
Income tax	44.5M YoY+116.8%	-265M YoY-63678.8%	-416K YoY-124.7%	1.69M YoY-38.9%	2.76M YoY+102.6%
	481M YoY-3.5%	499M YoY+265.8%	-301M YoY+6.1%	-320M YoY+33.8%	-484M YoY-116.0%
Net income to common	481M YoY+0.5%	479M YoY+240.4%	-341M YoY+5.4%	-361M YoY+31.2%	-524M YoY-65.3%
	$0.39 YoY+0.0%	$0.39 YoY+208.3%	-$0.36 YoY+10.0%	-$0.40 YoY+60.0%	-$1.00 YoY+76.7%
EPS (basic)	$0.42 YoY-8.7%	$0.46 YoY+227.8%	-$0.36 YoY+10.0%	-$0.40 YoY+60.0%	-$1.00 YoY+76.7%
	1.15B YoY+9.5%	1.05B YoY+11.1%	945M YoY+4.9%	901M YoY+71.0%	527M YoY+613.2%
	1.25B YoY+13.7%	1.10B YoY+16.5%	945M YoY+4.9%	901M YoY+71.0%	527M YoY+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 YoY+94.2%	2.54B YoY-17.7%	3.09B YoY+117.0%	1.42B YoY+187.4%	495M YoY-43.3%
	50.7B YoY+39.7%	36.3B YoY+20.5%	30.1B YoY+58.2%	19.0B YoY+107.1%	9.18B YoY+7.2%
Operating lease right-of-use	93.9M YoY+15.7%	81.2M YoY-9.4%	89.6M YoY-7.7%	97.1M YoY-15.7%	115M YoY-1.4%
Goodwill	1.39B YoY+0.0%	1.39B YoY+0.0%	1.39B YoY-14.1%	1.62B YoY+80.6%	899M YoY-0.1%
Intangible assets	232M YoY-22.1%	298M YoY-18.2%	364M YoY-17.7%	442M YoY+55.4%	285M YoY-19.9%
Deferred revenue	8.54M YoY+14.2%	7.47M YoY+30.7%	5.72M YoY-43.0%	10.0M YoY+292.8%	2.55M YoY+1.3%
	40.2B YoY+35.1%	29.7B YoY+21.2%	24.5B YoY+81.9%	13.5B YoY+201.0%	4.48B YoY-18.7%
Long-term debt	—	—	—	5.49B YoY+39.0%	3.95B YoY-17.7%
Operating lease liability (total)	106M YoY+9.0%	97.4M YoY-10.4%	109M YoY-7.7%	118M YoY-15.2%	139M YoY-0.7%
Finance lease liability (total)	12.8M YoY-5.7%	13.5M YoY+2.6%	13.2M YoY-3.7%	13.7M YoY-3.5%	14.2M YoY-3.5%
	10.5B YoY+60.8%	6.53B YoY+24.7%	5.23B YoY+0.5%	5.21B YoY+19.0%	4.38B YoY+3744.3%
Common stock	126K YoY+15.6%	109K YoY+12.4%	97.0K YoY+4.3%	93.0K YoY+12.0%	83.0K
Additional paid-in capital	11.3B YoY+44.2%	7.84B YoY+11.3%	7.04B YoY+4.8%	6.72B YoY+20.8%	5.56B YoY+860.2%
Retained earnings	-824M YoY+36.9%	-1.31B YoY+27.6%	-1.80B YoY-20.0%	-1.50B YoY-27.1%	-1.18B YoY-69.2%
Accumulated other comprehensive income	11.0M YoY+231.2%	-8.37M YoY-591.9%	-1.21M YoY+85.4%	-8.30M YoY-464.0%	-1.47M YoY-786.1%
Total liabilities & equity	50.7B YoY+39.7%	36.3B YoY+20.5%	30.1B YoY+58.2%	19.0B YoY+107.1%	9.18B YoY+7.2%
	1.27B YoY+16.0%	1.10B YoY+12.2%	976M YoY+4.5%	934M YoY+12.8%	828M YoY+619.6%
	1.27B YoY+16.0%	1.10B YoY+12.2%	976M YoY+4.5%	934M YoY+12.8%	828M YoY+619.6%
	1.28B YoY+16.3%	1.10B YoY+12.3%	977M YoY+4.5%	935M YoY+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 YoY-234.2%	-1.12B YoY+84.5%	-7.23B YoY+0.4%	-7.26B YoY-437.4%	-1.35B YoY-181.7%
Depreciation & amortization	234M YoY+15.1%	203M YoY+1.0%	201M YoY+33.1%	151M YoY+49.0%	102M YoY+45.4%
Intangible amortization	74.6M YoY-1.2%	75.5M YoY-28.0%	105M YoY+12.8%	93.0M YoY+31.9%	70.5M YoY+41.8%
Share-based compensation	262M YoY+6.5%	246M YoY-9.2%	271M YoY-11.4%	306M YoY+28.0%	239M YoY+139.3%
Deferred income taxes	16.2M YoY+105.6%	-287M YoY-1712.7%	-15.8M YoY-352.5%	-3.50M YoY-390.5%	1.20M YoY+101.2%
	-6.72B YoY-39.4%	-4.82B YoY-155.1%	-1.89B YoY-1677.3%	-106M YoY-196.5%	110M YoY-57.4%
Capital expenditure	242M YoY+57.2%	154M YoY+38.5%	111M YoY+19.5%	93.2M YoY+78.3%	52.3M YoY+112.9%
Free cash flow	-3.98B YoY-212.8%	-1.27B YoY+82.6%	-7.34B YoY+0.1%	-7.35B YoY-424.0%	-1.40B YoY-178.3%
Acquisitions	0.00	0.00 YoY-100.0%	72.3M YoY+223.5%	-58.5M	0.00 YoY-100.0%
Sales/maturities of investments	550M YoY-32.0%	808M YoY+425.1%	154M YoY+909.4%	15.2M YoY+217.6%	4.80M
	13.1B YoY+160.4%	5.03B YoY-53.8%	10.9B YoY+29.0%	8.44B YoY+1132.1%	685M YoY-19.8%
Long-term debt issued	0.00	0.00	0.00	0.00 YoY-100.0%	9.52B YoY-7.0%
Long-term debt repaid	0.00	0.00	0.00	0.00 YoY-100.0%	10.4B YoY+7.4%
Net short-term debt	—	—	—	1.42B YoY+219.5%	-1.19B YoY-209.0%
Common stock issued	3.19B	0.00	0.00	0.00	0.00 YoY-100.0%
Common stock repurchased	0.00	0.00	0.00	0.00 YoY-100.0%	526K YoY+1215.0%
Dividends paid	0.00	0.00	0.00	0.00	0.00
FX effect on cash	-355K YoY-17850.0%	2.00K YoY-99.7%	677K YoY+18.6%	571K YoY+1141.3%	46.0K YoY+131.7%
Net change in cash	2.65B YoY+392.1%	-906M YoY-151.2%	1.77B YoY+64.1%	1.08B YoY+294.2%	-555M YoY-187.6%
Interest paid	1.15B YoY+2.5%	1.12B YoY+55.2%	720M YoY+377.4%	151M YoY+59.1%	94.8M YoY-26.6%
Income taxes paid	28.9M YoY+7.4%	26.9M YoY+87.8%	14.3M YoY+458.1%	2.57M YoY+45.9%	1.76M YoY+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 YoY+97.7%	16.9B YoY+77.0%	9.54B YoY+123.0%	4.28B YoY-67.3%	13.1B
P/E	69.4× YoY+104.8%	33.9×	—	—	—
P/S	9.2× YoY+46.4%	6.3× YoY+30.0%	4.9× YoY+59.2%	3.1× YoY-77.1%	13.3×
P/B	3.2× YoY+23.0%	2.6× YoY+37.1%	1.9× YoY+128.6%	0.8× YoY-72.4%	3.0×
	1.4% YoY-51.2%	3.0%	—	—	—
	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.