Saturday 17 October 2026
Export SOFI’s income statement to Excel — free account
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.
14.55
0.54
−3.58%
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| Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | — | — | 3 | 2 | 3 | 3 |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 33.48 | 63.85 |
P/S ratio |
0.00 | 0.00 | 0.00 | 0.00 | 7.66 | 2.30 | 3.13 | 4.29 | 6.31 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
(0.91) | (0.91) | (0.91) | 2.59 | (6.74) | (1.68) | (36.78) | (80.83) | (30.38) |
P/B ratio |
39,919.60 | 39,919.60 | 39,919.60 | 1.85 | 1.90 | 0.78 | 1.74 | 2.48 | 2.87 |
Price to Tangible BV |
39,919.60 | 39,919.60 | 39,919.60 | 0.00 | 2.75 | 1.35 | 2.77 | 3.60 | 3.55 |
EV/Sales |
0.00 | 0.00 | 0.00 | 0.00 | 10.58 | 4.36 | 3.69 | 4.40 | 5.57 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.00 | 0.00 | 0.00 | (108.01) | (8.52) | (1.06) | (1.49) | (14.79) | (7.10) |
EV/FCF |
0.00 | 0.00 | 0.00 | (64.64) | (8.20) | (1.05) | (1.46) | (12.90) | (6.65) |
Quick Ratio |
— | 0.00 | 0.00 | 2.92 | 2.58 | 0.23 | 0.19 | 0.10 | 0.14 |
Current Ratio |
— | — | — | 13.73 | 22.93 | 2.00 | 1.04 | 0.82 | 0.78 |
Net Debt/EBITDA |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
— | 77.73% | 0.00% | 56.04% | 43.02% | 28.86% | 17.40% | 8.53% | 3.58% |
Debt/Equity |
— | 3.65 | 0.00 | (39.95) | 0.90 | 1.05 | 1.00 | 0.47 | 0.17 |
Asset Turnover |
0.00 | 0.08 | 0.17 | 0.09 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 |
Operating CF/Net income |
0.00 | 0.82 | 0.21 | 1.51 | 2.58 | 20.11 | 21.18 | (2.34) | (7.78) |
Capex/Depreciation |
— | — | (2.36) | (0.35) | (0.51) | (0.69) | (0.27) | (0.80) | (1.07) |
| — | 123.83% | 129.54% | 138.20% | (24.63%) | (7.53%) | (6.53%) | 8.15% | 5.66% | |
| — | (3.18%) | (6.17%) | (3.71%) | (5.91%) | (2.56%) | (1.39%) | 1.44% | 1.11% | |
ROIC |
— | 0.00% | (3.41%) | (6.12%) | (3.98%) | (2.25%) | (2.75%) | 2.11% | 4.73% |
Return on Tangible Assets |
— | (1,145.45%) | (163.74%) | (5.42%) | (7.88%) | (4.50%) | (38.12%) | (10.40%) | (5.94%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 94.62% | 119.03% | 134.79% | 107.34% | 74.75% | 64.83% | 64.73% |
Intangible Assets out of Total Assets |
— | 0.00 | 0.00 | 0.16 | 0.15 | 0.12 | 0.06 | 0.06 | 0.04 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 8.45% | 13.30% | 21.98% | 17.36% | 9.31% | 6.54% | 5.49% |
Graham Net Nets |
0.00 | 0.00 | 0.00 | 4.87 | 0.24 | 0.47 | (0.55) | (0.50) | (0.35) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 8.02 | 9.17 |
Earnings Yield |
(0.08%) | (0.08%) | (0.08%) | (0.08%) | (13.97%) | (8.89%) | (3.60%) | 2.99% | 1.57% |
Free Cash Flow Yield |
0.00% | 0.00% | 0.00% | (7.48%) | (16.84%) | (181.54%) | (80.58%) | (7.94%) | (13.26%) |
Revenue per Share |
8.17 | 5.94 | 10.99 | 10.17 | 2.06 | 1.96 | 3.08 | 3.59 | 4.15 |
Operating CF per Share |
0.76 | (2.04) | (0.83) | (6.49) | (2.56) | (8.05) | (7.65) | (1.07) | (3.25) |
Capex per Share |
0.00 | 0.00 | (0.57) | (0.33) | (0.10) | (0.12) | (0.13) | (0.16) | (0.22) |
Free Cash Flow per Share |
0.76 | (2.04) | (1.41) | (6.82) | (2.66) | (8.17) | (7.78) | (1.22) | (3.47) |
Cash per Share |
0.00 | 5.32 | 10.52 | 17.92 | 1.46 | 2.05 | 3.83 | 2.58 | 4.66 |
Shareholders Equity per Share |
0.00 | 18.04 | 0.00 | (1.63) | 8.31 | 5.78 | 5.54 | 6.21 | 9.12 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
0.00 | 18.04 | 0.00 | (1.63) | 8.31 | 5.78 | 5.54 | 6.21 | 9.12 |
Free Cash Flow |
76.79 | (205.60) | (92.32) | (503.88) | (1,402.48) | (7,359.59) | (7,348.33) | (1,283.42) | (3,993.57) |
Working Capital |
— | — | — | 5,767.75 | 6,539.16 | 7,852.82 | 678.10 | (4,894.42) | (8,512.85) |
Capital Expenditures |
(11.59) | (13.73) | (37.59) | (24.55) | (52.26) | (103.73) | (121.19) | (163.62) | (251.12) |
Net Current Asset Value |
— | (6,728.00) | 0.00 | (2,462.96) | 2,038.32 | 1,911.76 | (4,991.73) | (8,085.11) | (10,434.72) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.05 | 0.03 | 0.05 | 0.06 | 0.04 | 0.04 | 0.05 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 69.31 | 57.26 |
| Other line items | |||||||||
Depreciation/Fixed assets |
— | 0.00 | 0.10 | 0.86 | 0.91 | 0.89 | 2.07 | 0.71 | 0.56 |
Cash ROIC |
0.00% | (2.28%) | (1.60%) | (8.39%) | (15.42%) | (58.69%) | (52.18%) | (10.41%) | (22.61%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
— | — | 0.00 | 0.49 | 0.27 | 0.05 | 0.06 | 0.05 | 0.04 |
Inventory Turnover |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | — | 0.00 | 890.66 | 1,058.90 | 15,154.44 | 8,864.77 | 8,874.74 | 12,074.39 |
Days of Inventory on Hand |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | — | — | 375.54 | 375.54 | 4,078.34 | 13,514.46 | 22,852.77 | 32,392.12 |
Average Assets |
— | 7,919.50 | 4,275.00 | 8,556.75 | 8,869.91 | 14,092.00 | 24,541.27 | 33,162.91 | 43,455.72 |
Average Common Equity |
— | (203.50) | (203.50) | (229.56) | 2,128.61 | 4,792.72 | 5,221.36 | 5,879.87 | 8,507.31 |
Columns are period end dates