SoFi Technologies financials
$15.91−0.13%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 |
|---|---|---|---|---|---|
| Revenue | $1.18B | $770.5M | $766.7M | $989.4M | $732.6M |
| Gross profit | $570.8M | $308.9M | $386.7M | $676.2M | $475.6M |
| Gross margin | 48.4% | 40.1% | 50.4% | 68.3% | 64.9% |
| Operating income | -$1.91B | -$1.67B | -$1.66B | -$902.8M | -$733.4M |
| Net income | $481.3M | $479.1M | -$341.2M | -$360.8M | -$524.4M |
| Net margin | 40.8% | 62.2% | −44.5% | −36.5% | −71.6% |
| Diluted EPS | $0.39 | $0.39 | $-0.36 | $-0.40 | $-1.00 |
| EBITDA | -$1.67B | -$1.47B | -$1.21B | -$751.5M | -$631.9M |
| Operating cash flow | -$3.74B | -$1.12B | -$7.23B | -$7.26B | -$1.35B |
| Free cash flow | -$3.98B | -$1.27B | -$7.34B | -$7.35B | -$1.40B |
| Diluted shares | 1,251.8M | 1,101.4M | 945.0M | 900.9M | 526.7M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|
| Cash & equivalents | $4.93B | $2.54B | $3.09B | $1.42B | $494.7M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $1.82B | $3.09B | $5.24B | $5.50B | $4.04B |
| Total assets | $50.66B | $36.25B | $30.07B | $19.01B | $9.18B |
| Total liabilities | $40.17B | $29.73B | $24.52B | $13.48B | $4.48B |
| Shareholders' equity | $10.49B | $6.53B | $5.23B | $5.21B | $4.38B |
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