SoFi Technologies, Inc.
SoFi Technologies, Inc.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Variable Interest Entity Primary Beneficiary | 2 | 2 | -5 | -2 | 9 | 21 | -5 | -13 | 45 | 51 | -13 | -63 | |||||
Cash And Cash Equivalents At Carrying Value | 3,401 | 4,929 | 3,246 | 2,123 | 2,086 | 2,538 | 2,355 | 2,335 | 3,693 | 3,085 | 2,814 | 3,016 | |||||
Restricted Cash And Cash Equivalents | 360 | 427 | 500 | 592 | 630 | 171 | 615 | 397 | 455 | 531 | 483 | 485 | |||||
Other Investments | 3,231 | 2,576 | 2,512 | 2,375 | 2,153 | 1,896 | 1,554 | 1,566 | 973 | 702 | 580 | 548 | |||||
Loans Receivable Held For Sale Amount | 25,455 | 22,863 | 21,587 | 20,063 | 18,226 | 17,685 | 17,325 | 15,894 | 15,116 | 15,397 | 20,994 | 18,214 | |||||
Financing Receivable Excluding Accrued Interest Af… | 1,381 | 1,517 | 1,484 | 1,413 | 1,296 | 1,246 | 1,417 | 2,173 | 1,250 | 836 | - | - | |||||
Notes Receivable Net | - | - | - | - | - | - | - | - | - | 836 | 361 | 348 | |||||
Servicing Asset At Fair Value Amount | 368 | 378 | 384 | 375 | 390 | 342 | 296 | 291 | 241 | 180 | 143 | 146 | |||||
Property Plant And Equipment And Finance Lease Rig… | 448 | 416 | 387 | 355 | 317 | 288 | 266 | 246 | 228 | 217 | 202 | 191 | |||||
Goodwill | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,394 | 1,641 | |||||
Intangible Assets Net Excluding Goodwill | 215 | 232 | 248 | 264 | 280 | 298 | 315 | 331 | 347 | 364 | 387 | 412 | |||||
Operating Lease Right Of Use Asset | 89 | 94 | 79 | 77 | 78 | 81 | 84 | 83 | 87 | 90 | 93 | 95 | |||||
Other Assets | 2,019 | 2,177 | 1,644 | 1,341 | 1,328 | 1,715 | 883 | 737 | 687 | 554 | 527 | 467 | |||||
Assets | 53,698 | 50,660 | 45,293 | 41,112 | 37,749 | 36,251 | 34,380 | 32,642 | 31,306 | 30,075 | 27,977 | 25,561 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Interest Bearing Deposit Liabilities | 40,120 | 37,387 | 32,806 | 29,411 | 27,136 | 25,861 | 24,352 | 22,946 | 21,550 | 18,569 | 15,607 | 12,672 | |||||
Noninterest Bearing Deposit Liabilities | 123 | 118 | 141 | 130 | 120 | 117 | 56 | 51 | 54 | 52 | 65 | 68 | |||||
Deposits | 40,243 | 37,505 | 32,946 | 29,541 | 27,257 | 25,978 | 24,408 | 22,997 | 21,605 | 18,621 | 15,672 | 12,740 | |||||
Accounts Payable And Accrued Liabilities Current A… | 729 | 744 | 760 | 676 | 674 | 557 | 569 | 535 | 554 | 550 | 566 | 632 | |||||
Operating Lease Liability | 101 | 106 | 93 | 91 | 93 | 97 | 101 | 101 | 106 | 109 | 113 | 115 | |||||
Debt Longterm And Shortterm Combined Amount | 1,813 | 1,815 | 2,714 | 3,943 | 3,046 | 3,093 | 3,180 | 3,107 | 2,891 | 5,233 | 6,241 | 6,484 | |||||
Beneficial Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 4 | 7 | 10 | 11 | |||||
Liabilities | 42,887 | 40,171 | 36,513 | 34,252 | 31,071 | 29,726 | 28,259 | 26,740 | 25,160 | 24,520 | 22,603 | 19,983 | |||||
Temporary Equity | |||||||||||||||||
Equity | |||||||||||||||||
Temporary Equity Carrying Amount Attributable To P… | - | 0 | - | - | - | 0 | 0 | 0 | 320 | 320 | 320 | 320 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 11,472 | 11,303 | 9,768 | 7,994 | 7,910 | 7,839 | 7,751 | 7,602 | 7,544 | 7,040 | 6,905 | 6,848 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -3 | 11 | 10 | 4 | 3 | -8 | 8 | -1 | -2 | -1 | 1 | -5 | |||||
Retained Earnings Accumulated Deficit | -658 | -824 | -998 | -1,137 | -1,234 | -1,306 | -1,638 | -1,699 | -1,716 | -1,804 | -1,852 | -1,585 | |||||
Stockholders Equity | 10,812 | 10,489 | 8,780 | 6,861 | 6,679 | 6,525 | 6,121 | 5,901 | 5,826 | 5,235 | 5,053 | 5,258 | |||||
Liabilities And Stockholders Equity | 53,698 | 50,660 | 45,293 | 41,112 | 37,749 | 36,251 | 34,380 | 32,642 | 31,306 | 30,075 | 27,977 | 25,561 | |||||
Nonvoting Common Stock | 100 | 100 | 0 | 0 | 100 | 100 | 0 | 0 | 100 | 100 | 0 | 0 | |||||
Available For Sale Securities Debt Securities | 3,048 | 2,454 | 2,393 | 2,267 | 2,073 | 1,804 | 1,478 | 1,444 | 839 | 595 | 486 | 383 | |||||
Debt Securities Available For Sale Amortized Cost … | 3,044 | 2,435 | 2,376 | 2,256 | 2,066 | 1,808 | 1,468 | 1,443 | 840 | 597 | 487 | 388 | |||||
Parent Company | - | - | - | - | - | 4,457 | - | - | - | 323 | - | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | 52 | 51 | 51 | 48 | 44 | 47 | 48 | 52 | 51 | 55 | 52 | 41 | |||||
Allowance For Doubtful Accounts Receivable | 3 | 3 | 3 | 3 | 3 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | |||||
Common Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | 3,100 | |||||
Common Stock Shares Issued | 1,281 | 1,271 | 1,205 | 1,113 | 1,104 | 1,095 | 1,084 | 1,065 | 1,056 | 976 | 958 | 949 | |||||
Temporary Equity Par Or Stated Value Per Share | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Temporary Equity Shares Authorized | - | - | - | - | - | - | 600 | 600 | 600 | 600 | 600 | 600 | |||||
Temporary Equity Shares Issued | - | - | - | - | - | - | - | - | 3 | 3 | 3 | 3 | |||||
Shares Outstanding | 1,281 | 1,271 | 1,205 | 1,113 | 1,104 | 1,095 | 1,084 | 1,065 | 1,056 | 976 | 958 | 949 | |||||
Temporary Equity Aggregate Amount Of Redemption Re… | - | - | - | - | - | - | - | - | 323 | 323 | 323 | 323 | |||||
Temporary Equity Shares Outstanding | - | 0 | - | - | - | 0 | 0 | 0 | 3 | 3 | 3 | 3 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 13.87% | 11.75% | 2.87% | - | - | - | - | - | - | - | - | - |
| 2025 | 4.48% | 34.96% | 66.54% | 15.67% | 26.72% | 31.39% | 9.43% | -0.33% | -4.82% | -8.97% | -16.86% | -19.27% |
| 2024 | -2.27% | -6.37% | 4.96% | 24.26% | 23.64% | 70.92% | 37.90% | 34.29% | 50.59% | -10.38% | -23.54% | -3.06% |
| 2023 | 28.28% | 52.19% | 74.27% | -5.59% | -14.18% | -26.21% | 7.11% | 36.11% | 4.24% | -20.22% | -22.30% | -20.44% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.73 | -0.76 | -0.81 | -0.84 | -0.88 | -0.52 | -0.07 | 0.19 | 0.81 | 0.62 | 0.38 | 0.56 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.42 | 0.38 | 0.50 | 0.47 | 0.41 | 0.45 | 0.19 | -0.11 | -0.17 | -0.32 | -0.41 | -0.21 | |||||
| Free Cash Flow Per Share TTM | -4.96 | -3.46 | -2.71 | -2.73 | -1.83 | -1.21 | -1.23 | -2.66 | -4.47 | -7.77 | -9.99 | -10.34 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 83.65% | 83.15% | 82.68% | 82.41% | 82.26% | 82.74% | 82.89% | 82.81% | 82.74% | 82.10% | 81.84% | 81.55% | |||||
| Operating Profit Margin TTM | 16.38% | 14.55% | 12.05% | 10.33% | 7.81% | 8.72% | 8.79% | -4.43% | -7.44% | -14.19% | -19.92% | -10.74% | |||||
| Net Profit Margin TTM | 14.64% | 13.32% | 19.27% | 18.37% | 17.19% | 18.64% | 8.38% | -4.73% | -7.77% | -14.17% | -19.79% | -10.60% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 40.70% | 35.09% | 29.98% | 27.62% | 22.04% | 26.01% | 30.15% | 29.47% | 33.83% | 34.91% | 40.04% | 48.01% | |||||
| Net Income Growth (1Y) | 19.76% | -3.48% | 199.03% | -595.57% | -370.22% | -265.81% | -155.09% | -42.24% | -27.08% | -6.14% | -0.70% | -43.50% | |||||
| EPS Growth (1Y) | 3.03% | -11.86% | 173.49% | -573.89% | -341.82% | -249.20% | -148.92% | -48.89% | -31.04% | -10.52% | -4.30% | -45.10% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 35.13 | 62.56 | 48.33 | 35.90 | 26.51 | 32.43 | 39.32 | -61.75 | -40.24 | -31.27 | -19.55 | -39.81 | |||||
| P/B TTM | 1.87 | 2.87 | 3.52 | 2.94 | 1.91 | 2.48 | 1.38 | 1.19 | 1.23 | 1.80 | 1.50 | 1.49 | |||||
| P/S TTM | 5.14 | 8.33 | 9.31 | 6.59 | 4.56 | 6.05 | 3.29 | 2.92 | 3.12 | 4.43 | 3.87 | 4.22 | |||||
| Market Cap | 20.27B | 30.11B | 30.94B | 20.16B | 12.77B | 16.17B | 8.42B | 7.00B | 7.17B | 9.40B | 7.60B | 7.81B | |||||
| Enterprise Value | 16.51B | 24.75B | 27.20B | 17.44B | 10.05B | 13.46B | 5.45B | 4.27B | 3.03B | 5.79B | 4.30B | 4.31B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | -6.34B | -3.98B | -3.17B | -3.02B | -2.01B | -1.27B | -1.31B | -2.81B | -4.40B | -7.34B | -9.50B | -9.69B | |||||
| Net Debt | -3.76B | -5.36B | -3.75B | -2.71B | -2.72B | -2.71B | -2.97B | -2.73B | -4.15B | -3.62B | -3.30B | -3.50B | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
SoFi Technologies, Inc. (SOFI) — SEC Financial Statements & Analysis
SoFi Technologies, Inc. (SOFI) is a finance services company, incorporated in DE. SoFi Technologies, Inc. trades on SOFI: Nasdaq as: SOFI. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), SoFi Technologies, Inc. reported a 40.70% year-over-year revenue growth, a Gross Profit Margin of 83.65% (TTM), a Price-to-Sales (P/S) ratio of 5.14x (TTM), a Price-to-Book (P/B) ratio of 1.87 (TTM), at a market cap of $20.27B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 40.70%
- Gross Profit Margin TTM
- 83.65%
- P/S TTM
- 5.14x
- P/B TTM
- 1.87
- Market Cap
- $20.27B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is SoFi Technologies, Inc. in?
SoFi Technologies, Inc. (SOFI) operates in the Finance Services industry.
What is SOFI's market cap?
SoFi Technologies, Inc. (SOFI) has a market capitalization of $20.27B as of 2026-03-31.
What is SOFI's P/E ratio?
SoFi Technologies, Inc. (SOFI)'s trailing twelve month P/E ratio is 35.13x as of 2026-03-31.
What exchange does SOFI trade on?
SoFi Technologies, Inc. (SOFI) trades on the SOFI: Nasdaq.
Where is SoFi Technologies, Inc. incorporated?
SoFi Technologies, Inc. is incorporated in DE.