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) Return on invested capital
SoFi Technologies, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 4.90%, up 0.2 percentage points from fiscal 2025 (4.73%). Over the past ten years it has ranged from −6.12% (fiscal 2020) to 4.73% (fiscal 2025) — the current reading is the highest in ten years. That is above the Credit Services industry median of 4.56% and in line with the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 4.73% | 2.62 |
| FY2024 | 2.11% | 4.86 |
| FY2023 | −2.75% | (0.50) |
| FY2022 | −2.25% | 1.73 |
| FY2021 | −3.98% | 2.14 |
| FY2020 | −6.12% | (2.71) |
| FY2019 | −3.41% | (3.41) |
| FY2018 | 0.00% | — |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| PYPL PayPal Holdings, Inc. compare | 16.1% |
| SYF Synchrony Financial compare | 15.4% |
| AFRM Affirm Holdings, Inc. compare | 15.0% |
| FCFS FirstCash Holdings, Inc. compare | 9.40% |
| CACC Credit Acceptance Corporation compare | 7.81% |
| SOFI SoFi Technologies, Inc. | 4.90% |
| ALLY Ally Financial Inc. compare | 4.56% |
| OMF OneMain Holdings, Inc. compare | 2.29% |
| KLAR Klarna Group plc compare | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
More on SOFI
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- 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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement