Saturday 17 October 2026 Export SOFI’s income statement to Excel — free account

SoFi Technologies, Inc.

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%

Follow SOFI

Alert me

Market cap: $19.5B
P/E: 28.5×
Fwd P/E: 26.8×
Dividend yield: —
F-score: 3/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 2.46

Total sells 9.89

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	2	2	—	2	1	—	—	—	—
Sell	2	2	1	2	1	1	1	3	1	1	2	—

Insider Ownership 1.11%

Capital & Financial Ratios $m

Market Cap 19,490.00

Revenue 5,582.63

Net Income 636.26

Free Cash Flow (8,799.78)

Net Debt (265.01)

Current Ratio 0.74

Debt/Equity 0.30

P/E ratio 28.53

Fwd P/E 26.80

P/S ratio 3.35

P/B ratio 1.69

Past 5Y EPS Growth —

This Y EPS Growth 51.59%

Next Y EPS Growth 38.34%

Next Y revenue growth 2.23%

Next 5Y EPS Growth 38.16%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 33.58%

10-year low 10-year high

P/B against its own 10 years 50.07%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	3,616	2,709	5,357	3,566
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	19,849	21,641	29,736	34,578

	2023	2024	2025	Q'26
Payables	19,170	26,535	38,249	46,466
ST’ Debt	—	—	—	—
Other	—	—	—	—
	19,170	26,535	38,249	46,466

Compound Annual Growth %

	10y	5y	3y
Sales	—	44.73%	39.35%
Cash Flow	—	0.00%	0.00%
Earnings	—	0.00%	0.00%
Book Value	—	0.00%	26.29%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,408	1,571	—	—	—
’25	1,037	1,130	1,268	1,335	4,770
’24	908	861	989	1,008	3,766
’23	608	677	757	871	2,912
’22	354	389	464	556	1,763
’21	231	259	293	304	1,088
’20	—	158	240	—	751

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(2,315)	(3,890)	—	—	—
’25	22	(1,467)	(1,306)	(991)	(3,742)
’24	738	(484)	(1,174)	(200)	(1,120)
’23	(2,213)	(2,080)	(2,687)	(248)	(7,227)
’22	(1,011)	(945)	(2,880)	(2,419)	(7,256)
’21	340	(257)	(197)	(1,236)	(1,350)
’20	—	395	(879)	483	(479)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(2,384)	(3,988)	—	—	—
’25	(33)	(1,533)	(1,369)	(1,059)	(3,994)
’24	704	(524)	(1,219)	(244)	(1,283)
’23	(2,239)	(2,108)	(2,717)	(285)	(7,348)
’22	(1,036)	(970)	(2,906)	(2,447)	(7,360)
’21	333	(277)	(208)	(1,250)	(1,402)
’20	—	386	(888)	501	(504)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.12	0.12	—	—	—
’25	0.06	0.08	0.11	0.13	0.39
’24	0.02	0.01	0.05	0.29	0.39
’23	(0.04)	(0.06)	(0.29)	0.02	(0.36)
’22	(0.14)	(0.12)	(0.09)	(0.05)	(0.40)
’21	(1.53)	(0.48)	(0.05)	(0.15)	(1.00)
’20	—	0.11	(0.57)	(0.55)	(3.03)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	11.80	4.24	4.43	6.01	8.60	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	28.26	16.47	11.70	17.19	32.73
People
People	Employees	—	—	—	—	4	2,500	4,200	4,400	5,000	6,100
	Revenue/emp, $m	—	0.00	0.00	0.00	187.78	0.44	0.42	0.66	0.75	0.78
Income, $m
Income, $m	Revenue	—	825	600	721	751	1,088	1,763	2,912	3,766	4,770
	Gross margin, %	—	0.00	0.00	61.39	75.29	90.55	89.26	72.90	71.02	75.76
	EBT	—	50	(253)	(240)	(329)	(481)	(319)	(301)	233	526
	EBT margin, %	—	6.06	(42.17)	(33.23)	(43.74)	(44.24)	(18.08)	(10.34)	6.20	11.03
	Net income	—	1	(252)	(240)	(224)	(484)	(320)	(301)	499	481
	Depreciation	—	—	—	16	70	102	151	449	203	234
Per share, $
Per share, $	Revenue	—	8.17	5.94	10.99	10.17	2.06	1.96	3.08	3.59	4.15
	Earnings	—	—	(2.51)	(3.65)	—	(1.00)	(0.40)	(0.36)	0.46	0.42
	Cash flow	—	0.76	(2.04)	(0.83)	(6.49)	(2.56)	(8.05)	(7.65)	(1.07)	(3.25)
	Capex	—	0.00	0.00	(0.57)	(0.33)	(0.10)	(0.12)	(0.13)	(0.16)	(0.22)
	Free cash flow	—	0.76	(2.04)	(1.41)	(6.82)	(2.66)	(8.17)	(7.78)	(1.22)	(3.47)
	Book value	—	0.00	18.04	0.00	(1.63)	8.31	5.78	5.54	6.21	9.12
	Shares, m	—	101	101	66	74	527	901	945	1,050	1,150
Valuation, ×
Valuation, ×	P/E	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	33.48	63.85
	P/S	—	0.00	0.00	0.00	0.00	7.66	2.30	3.13	4.29	6.31
	P/B	—	39,919.60	39,919.60	39,919.60	1.85	1.90	0.78	1.74	2.48	2.87
	EV/Sales	—	0.00	0.00	0.00	0.00	10.58	4.36	3.69	4.40	5.57
	EV/FCF	—	0.00	0.00	0.00	(64.64)	(8.20)	(1.05)	(1.46)	(12.90)	(6.65)
Cash, $m
Cash, $m	Operating cash flow	—	77	(206)	(55)	(479)	(1,350)	(7,256)	(7,227)	(1,120)	(3,742)
	Capex	—	(12)	(14)	(38)	(25)	(52)	(104)	(121)	(164)	(251)
	Free cash flow	—	77	(206)	(92)	(504)	(1,402)	(7,360)	(7,348)	(1,283)	(3,994)
Balance, $m
Balance, $m	Working capital	—	—	—	—	5,768	6,539	7,853	678	(4,894)	(8,513)
	Total debt	—	—	6,646	5,085	4,799	3,948	5,486	5,233	3,093	1,815
	Net debt	—	—	6,109	4,395	3,475	3,180	3,640	1,618	383	(3,542)
	Shareholders’ equity	—	—	1,822	—	(120)	4,377	5,208	5,235	6,525	10,490
Returns, %
Returns, %	ROA	—	—	(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
	ROE	—	—	123.83	129.54	138.20	(24.63)	(7.53)	(6.53)	8.15	5.66

Negative figures in brackets.

value withheld pending a data check

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PYPL PayPal Holdings, Inc.	$48.9B	10.6×	8.1×	+4.75% (above 0%: growing)	−3.08% (below 0%: shrinking)	+157.72% (above 0%: growing)	39.60%	16.44%	Compare
AFRM Affirm Holdings, Inc.	$25.6B	13.0×	35.7×	+33.04% (above 0%: growing)	+2,171.43% (above 0%: growing)	+875.00% (above 0%: growing)	58.84%	12.63%	Compare
SYF Synchrony Financial	$24.1B	7.5×	7.6×	+0.28% (above 0%: growing)	+3.98% (above 0%: growing)	−5.47% (below 0%: shrinking)	82.95%	0.00%	Compare
SOFI SoFi Technologies, Inc.	$19.5B	28.5×	26.8×	+39.09% (above 0%: growing)	+33.33% (above 0%: growing)	−160.17% (below 0%: shrinking)	77.57%	0.00%
ALLY Ally Financial Inc.	$11.5B	8.8×	8.4×	+4.52% (above 0%: growing)	+13.33% (above 0%: growing)	+42.87% (above 0%: growing)	62.82%	0.00%	Compare
FCFS FirstCash Holdings, Inc.	$9.4B	24.6×	22.4×	+29.38% (above 0%: growing)	+58.21% (above 0%: growing)	+80.67% (above 0%: growing)	49.66%	14.92%	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	7.6×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%	Compare
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.5×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%	Compare
KLAR Klarna Group plc	$5.1B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
Median of peers	$10.4B	10.6×	8.3×	+5.97%	+13.33%	+61.77%	62.03%	7.61%

All 55 Credit Services stocks →