SoFi Technologies, Inc. (SOFI) Financial Statements
Industry: Finance Services
In fiscal 2025, SoFi Technologies reported revenue of $3.61B, up 35.1% from $2.67B the year before. Net income was $481.3M (a 13.3% net margin), or $0.39 per diluted share. Net interest income was $2.22B, and the efficiency ratio (noninterest expense / revenue) was 84.6%. Operating activities generated -$3.74B of cash, leaving -$3.98B of free cash flow. At fiscal year end, SoFi Technologies held $50.66B in total assets against $40.17B in total liabilities, including $4.93B of cash and equivalents.
Open the full interactive SoFi Technologies financials → Quarterly statements, key ratios, valuation history and price charts.
SoFi Technologies Key Stats
| Share Price | $15.24 |
|---|---|
| Market Cap | $20.60B |
| P/E Ratio | 39.1 |
| Revenue YoY Growth | +35.1% |
| 52-Week Range | $15.15 – $32.21 |
| Shares Outstanding | 1.28 billion (basic, 2026 Q2) |
SoFi Technologies Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | — | $584.1M | $1.26B | $1.72B | $2.22B |
| Noninterest Income | — | $989.4M | $861.0M | $958.4M | $1.39B |
| Noninterest Expense | — | $1.89B | $2.42B | $2.41B | $3.06B |
| Revenue | $984.9M | $1.57B | $2.12B | $2.67B | $3.61B |
| Pre-Tax Income | -$481.2M | -$318.7M | -$301.2M | $233.3M | $525.9M |
| Income Tax | $2.8M | $1.7M | -$416,000 | -$265.3M | $44.5M |
| Net Income | -$483.9M | -$320.4M | -$300.7M | $498.7M | $481.3M |
| Diluted EPS | -$1.00 | -$0.40 | -$0.36 | $0.39 | $0.39 |
SoFi Technologies Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $961.6M | $1.03B | $1.10B | $1.22B |
| Net Income | $139.4M | $173.5M | $166.7M | $156.6M |
| Diluted EPS | $0.11 | $0.14 | $0.12 | $0.12 |
SoFi Technologies Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $494.7M | $1.42B | $3.09B | $2.54B | $4.93B |
| Loans (Net) | — | — | — | $1.25B | $1.52B |
| Total Assets | $9.18B | $19.01B | $30.07B | $36.25B | $50.66B |
| Deposits | — | $7.34B | $18.62B | $25.98B | $37.51B |
| Total Long-Term Debt | $3.95B | $5.49B | $5.23B | $3.09B | $1.82B |
| Total Liabilities | $4.48B | $13.48B | $24.52B | $29.73B | $40.17B |
| Shareholders' Equity | $4.38B | $5.21B | $5.23B | $6.53B | $10.49B |
SoFi Technologies Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | -$1.35B | -$7.26B | -$7.23B | -$1.12B | -$3.74B |
| Cash From Investing | $110.2M | -$106.3M | -$1.89B | -$4.82B | -$6.72B |
| Cash From Financing | $685.0M | $8.44B | $10.89B | $5.03B | $13.11B |
| Free Cash Flow | -$1.40B | -$7.35B | -$7.34B | -$1.27B | -$3.98B |
Figures from SoFi Technologies' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full SoFi Technologies financials page for every line item.
SoFi Technologies Company Profile
| Ticker | SOFI |
|---|---|
| Exchange | Nasdaq |
| Industry | Finance Services |
| Headquarters | San Francisco, California |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001818874 |
Frequently Asked Questions
What was SoFi Technologies' revenue in fiscal 2025?
SoFi Technologies (SOFI) reported revenue of $3.61B for fiscal 2025.
What is SoFi Technologies' annual revenue history?
SoFi Technologies' annual revenue by fiscal year: 2021: $984.9M; 2022: $1.57B; 2023: $2.12B; 2024: $2.67B; 2025: $3.61B.
What was SoFi Technologies' net income in fiscal 2025?
SoFi Technologies reported net income of $481.3M for fiscal 2025.
What was SoFi Technologies' earnings per share (EPS) in fiscal 2025?
SoFi Technologies' diluted EPS was $0.39 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did SoFi Technologies generate in fiscal 2025?
SoFi Technologies generated -$3.98B of free cash flow in fiscal 2025.
What was SoFi Technologies' revenue last quarter?
In its most recent reported quarter (2026 Q2), SoFi Technologies reported revenue of $1.22B.
How much debt does SoFi Technologies have?
SoFi Technologies reported $1.82B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of SoFi Technologies are outstanding?
SoFi Technologies reported a weighted average of 1.28 billion basic shares outstanding in 2026 Q2.
What is SoFi Technologies' market cap?
Based on its latest closing price, SoFi Technologies (SOFI) has a market capitalization of about $20.60B.
When does SoFi Technologies' fiscal year end?
SoFi Technologies' fiscal year end, as registered with the SEC, is December 31.
Where is SoFi Technologies headquartered?
SoFi Technologies lists its business address in San Francisco, California in its SEC filings.