SoFi Technologies, Inc.
SOFI Financial Credit Services
SoFi Technologies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 26.6% from fiscal 2024. In the quarter to June 2026, revenue grew 39.1%, EPS grew 33.3%, free cash flow fell 160.2% and total debt fell 16.3%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|
Revenue |
825.00 | 600.00 | 721.02 | 751.14 | 1,087.65 | 1,762.81 | 2,912.12 | 3,766.20 | 4,769.60 |
Revenue Growth |
37.50% | (27.27%) | 20.17% | 4.18% | 44.80% | 62.08% | 65.20% | 29.33% | 26.64% |
Cost of Revenue |
— | — | 278.36 | 185.61 | 102.78 | 189.28 | 789.33 | 1,091.34 | 1,156.24 |
Gross Profit |
— | — | 442.66 | 565.53 | 984.87 | 1,573.54 | 2,122.79 | 2,674.86 | 3,613.35 |
SG&A Expenses |
— | — | 682.26 | 894.05 | 1,466.05 | 1,892.26 | 2,176.77 | 2,441.51 | 3,087.50 |
Operating Income |
— | — | (239.60) | (328.52) | (481.18) | (318.72) | (301.16) | 233.34 | 525.86 |
| 50.00 | (253.00) | (239.60) | (328.52) | (481.18) | (318.72) | (301.16) | 233.35 | 525.86 | |
Income Tax Provision |
— | — | 0.10 | (104.47) | 2.76 | 1.69 | (0.42) | (265.32) | 44.54 |
Income after Tax |
— | — | (239.70) | (224.05) | (483.94) | (320.41) | (300.74) | 498.67 | 481.32 |
Dividends (Preferred) |
— | — | 23.92 | 93.19 | 40.43 | 40.43 | 40.43 | 19.53 | — |
Net Income Common |
— | (252.00) | (263.62) | (317.25) | (524.36) | (360.83) | (341.17) | 479.14 | 481.32 |
EPS (Basic) |
— | (2.51) | (3.65) | — | (1.00) | (0.40) | (0.36) | 0.46 | 0.42 |
EPS (Diluted) |
— | (2.51) | (3.65) | (3.03) | (1.00) | (0.40) | (0.36) | 0.39 | 0.39 |
Shares (Basic, Weighted) |
101.00 | 101.00 | 65.62 | 73.85 | 526.73 | 900.89 | 945.02 | 1,050.22 | 1,150.14 |
Shares (Diluted, Weighted) |
101.00 | 101.00 | 65.62 | 73.85 | 526.73 | 900.89 | 945.02 | 1,101.39 | 1,251.77 |
Gross Margin |
0.00% | 0.00% | 61.39% | 75.29% | 90.55% | 89.26% | 72.90% | 71.02% | 75.76% |
EBIT Margin |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
EBT margin |
6.06% | (42.17%) | (33.23%) | (43.74%) | (44.24%) | (18.08%) | (10.34%) | 6.20% | 11.03% |
Net Profit Margin |
0.00% | (42.00%) | (36.56%) | (42.24%) | (48.21%) | (20.47%) | (11.72%) | 12.72% | 10.09% |
Free Cash Flow Margin |
9.31% | (34.27%) | (12.80%) | (67.08%) | (128.95%) | (417.49%) | (252.34%) | (34.08%) | (83.73%) |
| Other line items | |||||||||
Income from Continuous Operations |
— | — | (239.70) | (224.05) | (483.94) | (320.41) | (300.74) | 498.67 | 481.32 |
Consolidated Net Income/Loss |
50.00 | (252.00) | (239.70) | (224.05) | (483.94) | (320.41) | (300.74) | 498.67 | 481.32 |
EPS (Basic, from Continuous Ops) |
— | — | (3.65) | (3.03) | (0.92) | (0.36) | (0.32) | 0.47 | 0.42 |
EPS (Basic, Consolidated) |
— | — | (3.65) | (3.03) | (0.92) | (0.36) | (0.32) | 0.47 | 0.42 |
EPS (Diluted, from Cont. Ops) |
— | — | (3.65) | (3.03) | (0.92) | (0.36) | (0.32) | 0.45 | 0.38 |
Shares (Diluted, Average) |
— | — | — | — | 526.73 | 900.89 | 945.02 | 1,101.39 | 1,251.77 |
EPS (Diluted, Consolidated) |
— | — | (3.65) | (3.03) | (0.92) | (0.36) | (0.32) | 0.45 | 0.38 |
EBITDA Margin |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Cash Flow Margin |
9.31% | (34.27%) | (7.59%) | (63.81%) | (124.14%) | (411.61%) | (248.17%) | (29.73%) | (78.46%) |