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
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SoFi Technologies, Inc. (SOFI) Free cash flow
SoFi Technologies, Inc.'s free cash flow for fiscal 2025 was −$4.0B, compared with −$1.3B in fiscal 2024. Over the twelve months to 30 September 2026 it was −$10.2B. Over the past ten years it has ranged from −$7.4B (fiscal 2022) to $76.8M (fiscal 2017); the current reading is higher than 33% of that period. SoFi Technologies, Inc. ranks 52nd of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | −$4.0B | — |
| FY2024 | −$1.3B | — |
| FY2023 | −$7.3B | — |
| FY2022 | −$7.4B | — |
| FY2021 | −$1.4B | — |
| FY2020 | −$503.9M | — |
| FY2019 | −$92.3M | — |
| FY2018 | −$205.6M | — |
| FY2017 | $76.8M | — |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | −$3.0B | — |
| Jun 2026 | −$4.0B | — |
| Mar 2026 | −$2.4B | — |
| Dec 2025 | −$1.1B | — |
| 23 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| SYF Synchrony Financial compare | $9.6B |
| PYPL PayPal Holdings, Inc. compare | $6.3B |
| ALLY Ally Financial Inc. compare | $5.0B |
| OMF OneMain Holdings, Inc. compare | $3.2B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| AFRM Affirm Holdings, Inc. compare | $817.0M |
| FCFS FirstCash Holdings, Inc. compare | $518.2M |
| KLAR Klarna Group plc compare | −$3.8B |
| SOFI SoFi Technologies, Inc. | −$10.2B |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on SOFI
- Revenue
- Net income
- EPS (diluted)
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow 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