SoFi Technologies financials
$15.91−0.13%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $429.3M | $451.4M | $193.1M | $376.5M | $337.1M | $232.0M | $76.1M | $266.1M | $186.0M | $160.4M | $225.8M | $192.2M |
| Gross profit | $229.2M | $159.5M | $31.5M | $215.1M | $186.7M | $96.5M | -$52.0M | $142.4M | $76.3M | $60.3M | $121.8M | $94.0M |
| Gross margin | 53.4% | 35.3% | 16.3% | 57.1% | 55.4% | 41.6% | −68.4% | 53.5% | 41.0% | 37.6% | 54.0% | 48.9% |
| Operating income | -$585.1M | -$561.3M | -$646.6M | -$436.6M | -$405.6M | -$454.3M | -$598.1M | -$367.2M | -$397.2M | -$390.4M | -$338.5M | -$611.9M |
| Net income | $156.6M | $166.7M | $173.5M | $139.4M | $97.3M | $71.1M | $312.9M | $60.7M | $8.0M | $88.0M | $7.5M | -$266.7M |
| Net margin | 36.5% | 36.9% | 89.9% | 37.0% | 28.9% | 30.7% | 411.2% | 22.8% | 4.3% | 54.9% | 3.3% | −138.7% |
| Diluted EPS | $0.12 | $0.12 | $0.13 | $0.11 | $0.08 | $0.06 | $0.26 | $0.05 | $0.01 | $0.02 | $0.01 | $-0.29 |
| EBITDA | -$512.0M | -$493.7M | -$583.7M | -$377.3M | -$348.9M | -$399.0M | -$544.5M | -$315.4M | -$350.6M | -$338.9M | -$338.5M | -$312.2M |
| Operating cash flow | -$3.89B | -$2.31B | -$991.2M | -$1.31B | -$1.47B | $21.5M | -$200.1M | -$1.17B | -$484.4M | $738.2M | -$247.9M | -$2.69B |
| Free cash flow | -$3.99B | -$2.38B | -$1.06B | -$1.37B | -$1.53B | -$31.1M | -$242.4M | -$1.22B | -$521.1M | $706.3M | -$282.2M | -$2.71B |
| Diluted shares | 1,352.0M | 1,378.0M | 1,347.7M | 1,291.0M | 1,182.9M | 1,185.5M | 1,193.5M | 1,104.5M | 1,065.2M | 1,042.5M | 963.1M | 951.2M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.13B | $3.40B | $4.93B | $3.25B | $2.12B | $2.09B |
| Short-term investments | $0.00 | $3.23B | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $3.30B | $1.81B | $1.82B | $2.71B | $3.94B | $3.05B |
| Total assets | $60.95B | $53.70B | $50.66B | $45.29B | $41.11B | $37.75B |
| Total liabilities | $49.87B | $42.89B | $40.17B | $36.51B | $34.25B | $31.07B |
| Shareholders' equity | $11.08B | $10.81B | $10.49B | $8.78B | $6.86B | $6.68B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology