stockrowSoFi 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.
- Revenue
- +41.9%
- EPS
- +58.3%
- Free cash flow
- −120.0%
- Total debt
- +42.3%
Quarter to September 2026, against a year earlier
Follow SOFI
Alert me
SoFi Technologies, Inc. (SOFI) Free cash flow margin
SoFi Technologies, Inc.'s free cash flow margin over the twelve months to 30 September 2026 was −167.0%, down 83.3 percentage points from fiscal 2025 (−83.7%). Over the past ten years it has ranged from −417.5% (fiscal 2022) to 9.31% (fiscal 2017); the current reading is higher than 44% of that period. That is below the Credit Services industry median of 8.73% and below the Financial sector median of 11.4%.
Free cash flow margin, annual
Embed this chart
Annual newest first
| Period | Free cash flow margin | Change (points) |
|---|---|---|
| FY2025 | −83.7% | (49.65) |
| FY2024 | −34.1% | 218.26 |
| FY2023 | −252.3% | 165.15 |
| FY2022 | −417.5% | (288.54) |
| FY2021 | −129.0% | (61.87) |
| FY2020 | −67.1% | (54.28) |
| FY2019 | −12.8% | 21.47 |
| FY2018 | −34.3% | (43.58) |
| FY2017 | 9.31% | — |
Against its own ten years
Free cash flow margin against peers
| Company | Free cash flow margin |
|---|---|
| CACC Credit Acceptance Corporation compare | 53.7% |
| OMF OneMain Holdings, Inc. compare | 49.3% |
| SYF Synchrony Financial compare | 41.2% |
| ALLY Ally Financial Inc. compare | 30.9% |
| PYPL PayPal Holdings, Inc. compare | 18.4% |
| AFRM Affirm Holdings, Inc. compare | 17.8% |
| FCFS FirstCash Holdings, Inc. compare | 12.1% |
| KLAR Klarna Group plc compare | −94.3% |
| SOFI SoFi Technologies, Inc. | −167.0% |
| Credit Services industry median | 8.73% |
| Financial sector median | 11.4% |
| Market median | 0.00% |
What Free cash flow margin is
Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.
(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue
More on SOFI
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement