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