Cash flow SoFi Technologies, Inc.

Equities

SOFI

US83406F1021

Consumer Lending

Market Closed - Nasdaq Other stock markets 02:30:00 14/01/2026 am IST			5-day change	1st Jan Change
27.14 ^USD	+2.03%		+0.59%	+3.67%

10/01	SoFi Technologies, Inc. Announces Retirement of Stephen Simcock as General Counsel, Effective December 31, 2025	CI
07/01	SoFi Technologies' Shares Fall After Closing Public Offering of Common Shares	MT

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Published financial data: SOFI TECHNOLOGIES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	36Cr	36Cr	77Cr	205.11Cr	280.78Cr
Interest Expense, Total	19Cr	10Cr	19Cr	79Cr	109.13Cr
Net Interest Income	18Cr	25Cr	58Cr	126.17Cr	171.65Cr
Loan Servicing Revenue	37Cr	50Cr	61Cr	37Cr	26Cr
Other Revenues, Total	1.63Cr	24Cr	38Cr	49Cr	70Cr
Revenues Before Provison For Loan Losses	57Cr	98Cr	157.35Cr	212.28Cr	267.49Cr
Provision For Loan Losses	-	75.73L	5.43Cr	5.49Cr	3.17Cr
Total Revenues	57Cr	98Cr	151.92Cr	206.78Cr	264.31Cr
Salaries And Other Employee Benefits	9.38Cr	23Cr	29Cr	26Cr	23Cr
Cost of Services Provided, Total	79Cr	120.39Cr	153.24Cr	186.11Cr	217.65Cr
Total Operating Expenses	88Cr	143.11Cr	182.05Cr	212.17Cr	240.92Cr
Operating Income	-31Cr	-45Cr	-30Cr	-5.38Cr	23Cr
EBT, Excl. Unusual Items	-31Cr	-45Cr	-30Cr	-5.38Cr	23Cr
Total Merger & Related Restructuring Charges	-91.61L	-2.73Cr	-1.74Cr	-1L	-6L
Impairment of Goodwill	-	-	-	-25Cr	-
Asset Writedown	-58L	-	-	-	-
EBT, Incl. Unusual Items	-33Cr	-48Cr	-32Cr	-30Cr	23Cr
Income Tax Expense	-10Cr	27.6L	16.86L	-4L	-27Cr
Earnings From Continuing Operations	-22Cr	-48Cr	-32Cr	-30Cr	50Cr
Net Income to Company	-22Cr	-48Cr	-32Cr	-30Cr	50Cr
Net Income - (IS)	-22Cr	-48Cr	-32Cr	-30Cr	50Cr
Preferred Dividend and Other Adjustments	9.32Cr	4.04Cr	4.04Cr	4.04Cr	1.95Cr
Net Income to Common Incl Extra Items	-32Cr	-52Cr	-36Cr	-34Cr	48Cr
Net Income to Common Excl. Extra Items	-32Cr	-52Cr	-36Cr	-34Cr	48Cr
Per Share Items
Net EPS - Basic	-7.49	-1	-0.4	-0.36	0.46
Basic EPS - Continuing Operations	-7.49	-1	-0.4	-0.36	0.46
Basic Weighted Average Shares Outstanding	4.24Cr	53Cr	90Cr	95Cr	105.02Cr
Net EPS - Diluted	-7.49	-1	-0.4	-0.36	0.39
Diluted EPS - Continuing Operations	-7.49	-1	-0.4	-0.36	0.39
Diluted Weighted Average Shares Outstanding	4.24Cr	53Cr	90Cr	95Cr	110.14Cr
Normalized Basic EPS	-4.62	-0.54	-0.21	-0.04	0.14
Normalized Diluted EPS	-4.62	-0.54	-0.21	-0.04	0.13
Payout Ratio	-18.09	-8.35	-12.62	-13.44	3.31
Supplemental Items
Effective Tax Rate - (Ratio)	31.8	-0.57	-0.53	0.14	-113.7
Current Domestic Taxes	23T	14.81L	42.75L	1.45Cr	1.94Cr
Current Foreign Taxes	13T	75T	9L	9L	21.51L
Total Current Taxes	36T	15.56L	51.84L	1.54Cr	2.16Cr
Deferred Domestic Taxes	-10Cr	12.22L	5L	-1L	-23Cr
Deferred Foreign Taxes	11T	-18T	-40.41L	-1.57Cr	-6.11Cr
Total Deferred Taxes	-10Cr	12.04L	-34.98L	-1.58Cr	-29Cr
Normalized Net Income	-20Cr	-28Cr	-19Cr	-3.37Cr	15Cr
Supplemental Operating Expense Items
Stock-Based Comp., COGS (Total)	60.67L	1.17Cr	1.78Cr	1.07Cr	1.35Cr
Stock-Based Comp., S&M Exp. (Total)	80.45L	1.61Cr	2.42Cr	2.68Cr	2.17Cr
Stock-Based Comp., G&A Exp. (Total)	8.58Cr	21Cr	26Cr	23Cr	21Cr
Stock-Based Comp., Other (Total)	-	4L	-	-	-
Total Stock-Based Compensation	9.99Cr	24Cr	31Cr	27Cr	25Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	87Cr	49Cr	142.19Cr	308.5Cr	253.83Cr
Long-Term Investments - (FS Template)	60Cr	59Cr	42Cr	72Cr	192.52Cr
Trading Asset Securities, Total	-	-	3.46Cr	69.16L	29Cr
Loans and Lease Receivables - (FS Template)	489.72Cr	606.89Cr	31Cr	756.16Cr	984.38Cr
Other Receivables	3.24Cr	3.37Cr	13Cr	17Cr	59Cr
Gross Property Plant And Equipment	19Cr	21Cr	20Cr	19Cr	19Cr
Accumulated Depreciation	-1.99Cr	-3.14Cr	-4.61Cr	-5.76Cr	-6.67Cr
Net Property Plant And Equipment	17Cr	17Cr	15Cr	13Cr	12Cr
Goodwill	90Cr	90Cr	162.3Cr	139.35Cr	139.35Cr
Other Intangibles, Total	38Cr	34Cr	56Cr	54Cr	55Cr
Loans Held For Sale	-	-	1.36TCr	1.54TCr	1.77TCr
Restricted Cash	45Cr	27Cr	42Cr	53Cr	17Cr
Other Current Assets, Total	-	-	7.34Cr	22Cr	37Cr
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	27Cr
Deferred Charges Long-Term	-	41L	-	-	-
Other Long-Term Assets, Total	25Cr	30Cr	31Cr	32Cr	51Cr
Total Assets	856.35Cr	917.63Cr	1.9TCr	3.01TCr	3.63TCr
Liabilities
Interest Bearing Deposits	-	-	726.58Cr	1.86TCr	2.59TCr
Non-Interest Bearing Deposits	-	-	7.65Cr	5.17Cr	12Cr
Deposits	-	-	734.23Cr	1.86TCr	2.6TCr
Accounts Payable, Total	36Cr	27Cr	13Cr	9.33Cr	11Cr
Accrued Expenses, Total	1.98Cr	13.06L	16Cr	27Cr	29Cr
Short-Term Borrowings	25Cr	9L	92.51L	46.04L	-
Current Portion of Leases	2.02Cr	2.32Cr	2.61Cr	2.55Cr	2.67Cr
Long-Term Debt	466.72Cr	404.17Cr	550.29Cr	524.08Cr	309.33Cr
Long-Term Leases	13Cr	13Cr	11Cr	9.63Cr	8.42Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	1L	-	10Cr	9.12Cr
Unearned Revenue Non Current	25.2L	25.53L	1Cr	57.18L	74.74L
Deferred Tax Liability Non-Current	-	-	5.65Cr	4.02Cr	2.02Cr
Other Non Current Liabilities	80.5L	74.41L	14Cr	2.06Cr	2.65Cr
Total Liabilities	547Cr	447.86Cr	1.35TCr	2.45TCr	2.97TCr
Preferred Stock Redeemable	317.37Cr	32Cr	32Cr	32Cr	-
Preferred Stock - Others	4Cr	-	-	-	-
Total Preferred Equity	321.36Cr	32Cr	32Cr	32Cr	-
Common Stock, Total	-	83T	93T	97T	1L
Additional Paid In Capital	58Cr	556.18Cr	671.98Cr	704Cr	783.9Cr
Retained Earnings	-70Cr	-118.31Cr	-150.35Cr	-180.43Cr	-130.56Cr
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	-2L	-14.71L	-82.96L	-12.09L	-83.65L
Total Common Equity	-12Cr	437.73Cr	520.81Cr	523.46Cr	652.51Cr
Total Equity	309.35Cr	469.77Cr	552.85Cr	555.5Cr	652.51Cr
Total Liabilities And Equity	856.35Cr	917.63Cr	1.9TCr	3.01TCr	3.63TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.6Cr	83Cr	93Cr	98Cr	109.65Cr
ECS Total Common Shares Outstanding	6.6Cr	83Cr	93Cr	98Cr	109.54Cr
Book Value / Share	-1.82	5.29	5.58	5.36	5.96
Tangible Book Value	-139.82Cr	314.16Cr	302.54Cr	330.16Cr	458.37Cr
Tangible Book Value Per Share	-21.17	3.79	3.24	3.38	4.18
Total Debt	507.47Cr	419.55Cr	564.36Cr	536.72Cr	320.42Cr
Net Debt	420.21Cr	370.08Cr	418.71Cr	227.53Cr	38Cr
Equity Method Investments, Total	11Cr	1.97Cr	2.28Cr	2.29Cr	2.95Cr
Full Time Employees	1.98T	2.5T	4.2T	4.4T	5T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-22Cr	-48Cr	-32Cr	-30Cr	50Cr
Depreciation, Depletion & Amortization	2.01Cr	3.11Cr	5.91Cr	9.65Cr	13Cr
Amortization of Goodwill and Intangible Assets - (CF)	4.39Cr	7.05Cr	9.15Cr	10Cr	6.58Cr
Total Depreciation, Depletion & Amortization	6.4Cr	10Cr	15Cr	20Cr	19Cr
Amortization of Deferred Charges, Total	2.83Cr	1.83Cr	1.9Cr	2.44Cr	2.31Cr
(Gain) Loss on Sale of Investments - (CF)	-1.39Cr	-65.38L	1.36Cr	-48T	-28.42L
Total Asset Writedown	58L	-	-	25Cr	-
Provision for Credit Losses	-	-	5.43Cr	1.09Cr	-13Cr
(Income) Loss On Equity Investments - (CF)	-43.14L	3L	-	-	-
Stock-Based Compensation (CF)	10Cr	24Cr	31Cr	27Cr	25Cr
Change in Accounts Payable	9.52Cr	-90.22L	63.65L	4.21Cr	2.36Cr
Change in Other Net Operating Assets (Collected)	-49Cr	-133.63Cr	-750.19Cr	-767.53Cr	-163.64Cr
Other Operating Activities	-3.86Cr	13Cr	1.65Cr	-4.4Cr	-34Cr
Cash from Operations	-48Cr	-135.02Cr	-725.59Cr	-722.71Cr	-111.98Cr
Capital Expenditure	-2.45Cr	-5.23Cr	-9.32Cr	-11Cr	-15Cr
Cash Acquisitions	-3.24Cr	-	5.85Cr	-7.23Cr	-
Purchase / Sale of Intangible Assets	-	-	-1.05Cr	-97.83L	-93.52L
Investment in Marketable and Equity Securities, Total	8L	-10Cr	-62.37L	-44Cr	-123.14Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	32Cr	25Cr	-5.49Cr	-125.41Cr	-342.6Cr
Other Investing Activities, Total	-76.43L	1.67Cr	-	-	-
Cash from Investing	26Cr	11Cr	-11Cr	-188.99Cr	-482.1Cr
Long-Term Debt Issued, Total	1.02TCr	952.13Cr	185.84Cr	52Cr	85Cr
Total Debt Issued	1.02TCr	952.13Cr	185.84Cr	52Cr	85Cr
Long-Term Debt Repaid, Total	-970.95Cr	-1.04TCr	-52Cr	-80Cr	-233.6Cr
Total Debt Repaid	-970.95Cr	-1.04TCr	-52Cr	-80Cr	-233.6Cr
Issuance of Common Stock	42Cr	12Cr	26.1L	11.45L	2.14Cr
Repurchase of Common Stock	-3.13Cr	-19Cr	-89.83L	-1.53Cr	-2.26Cr
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-13Cr	-	-	-32Cr
Preferred Dividends Paid	-4.05Cr	-4.04Cr	-4.04Cr	-4.04Cr	-1.65Cr
Common & Preferred Stock Dividends Paid	-4.05Cr	-4.04Cr	-4.04Cr	-4.04Cr	-1.65Cr
Other Financing Activities, Total	-1.64Cr	183.96Cr	714.47Cr	1.12TCr	686.64Cr
Cash from Financing	85Cr	68Cr	843.95Cr	1.09TCr	503.46Cr
Foreign Exchange Rate Adjustments	-1L	46T	6L	7L	2T
Net Change in Cash	63Cr	-55Cr	107.79Cr	176.93Cr	-91Cr
Supplemental Items
Cash Interest Paid	13Cr	9.48Cr	15Cr	72Cr	111.8Cr
Cash Income Tax Paid (Refund)	5L	17.59L	25.67L	1.43Cr	2.69Cr
Net Debt Issued / Repaid	52Cr	-91Cr	134.16Cr	-28Cr	-149.07Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-2.83	-5.46	-2.27	-1.23	1.5
Return On Equity %	-8.59	-12.42	-6.27	-5.43	8.26
Return on Common Equity	138.18	-24.63	-7.53	-6.53	8.15
Margin Analysis
Gross Profit Margin %	68.37	73.7	79.38	81.62	82.53
SG&A Margin	123.81	120.14	99.22	84.23	73.68
Income From Continuing Operations Margin %	-39.62	-49.52	-21.09	-14.54	18.87
Net Income Margin %	-39.62	-49.52	-21.09	-14.54	18.87
Net Avail. For Common Margin %	-56.1	-53.65	-23.75	-16.5	18.13
Normalized Net Income Margin	-34.65	-29.02	-12.4	-1.63	5.53
Asset Turnover
Asset Turnover	0.07	0.11	0.11	0.08	0.08
Short Term Liquidity
Current Ratio	9.51	23.12	2.08	1.41	1.19
Quick Ratio	8.82	22.2	0.25	0.57	0.5
Operating Cash Flow to Current Liabilities	-0.73	-4.54	-0.95	-0.38	-0.04
Long Term Solvency
Total Debt/Equity	164.04	89.31	102.08	96.62	49.11
Total Debt / Total Capital	62.13	47.18	50.52	49.14	32.93
LT Debt/Equity	155.21	88.8	101.44	96.08	48.7
Long-Term Debt / Total Capital	58.78	46.91	50.2	48.86	32.66
Total Liabilities / Total Assets	63.88	48.81	70.91	81.53	82
Tier 1 Capital Ratio %	-	-	20.3	15	16
Total Capital Ratio %	-	-	20.6	15.3	16.2
Leverage Ratio %	-	-	21.8	12.8	13.4
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	27.76	72.81	55.45	36.11	27.82
Gross Profit, 1 Yr. Growth %	18.48	86.3	67.42	39.96	29.25
Earnings From Cont. Operations, 1 Yr. Growth %	-6.53	115.99	-33.79	-6.14	-265.81
Net Income, 1 Yr. Growth %	-6.53	115.99	-33.79	-6.14	-265.81
Normalized Net Income, 1 Yr. Growth %	32.05	44.74	-33.7	-82.02	-534.53
Diluted EPS Before Extra, 1 Yr. Growth %	6.98	-76.74	-59.95	-9.87	-209.35
Common Equity, 1 Yr. Growth %	-64.57	-3.74T	18.98	0.51	24.65
Total Assets, 1 Yr. Growth %	17.48	7.16	107.14	58.22	20.54
Tangible Book Value, 1 Yr. Growth %	263.78	-324.69	-3.7	9.13	38.83
Cash From Operations, 1 Yr. Growth %	775.77	181.68	437.38	-0.4	-84.51
Capital Expenditures, 1 Yr. Growth %	-34.69	112.88	78.34	19.54	38.47
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	44.89	48.59	63.9	45.46	31.9
Gross Profit, 2 Yr. CAGR %	46.35	48.57	76.61	53.07	34.5
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.78	42.09	19.58	-21.17	24.75
Net Income, 2 Yr. CAGR %	-5.78	42.09	19.58	-21.17	24.75
Normalized Net Income, 2 Yr. CAGR %	11.25	38.25	-4.23	-65.56	-11.6
Diluted EPS Before Extra, 2 Yr. CAGR %	2.05	-50.12	-69.48	-39.92	-0.72
Common Equity, 2 Yr. CAGR %	32.5	259.31	558.48	9.35	11.93
Total Assets, 2 Yr. CAGR %	0.08	12.2	48.98	81.04	38.1
Tangible Book Value, 2 Yr. CAGR %	260.71	185.9	47.1	2.52	23.09
Cash From Operations, 2 Yr. CAGR %	-31.56	396.68	289.07	131.36	-60.72
Capital Expenditures, 2 Yr. CAGR %	33.72	17.91	94.85	46.01	28.65
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	3.73	53.65	50.84	54.06	39.33
Gross Profit, 3 Yr. CAGR %	-3.55	58.61	54.61	63.43	44.68
Earnings From Cont. Operations, 3 Yr. CAGR %	65.12	24.23	10.16	10.31	1
Net Income, 3 Yr. CAGR %	65.12	24.23	10.16	10.31	1
Normalized Net Income, 3 Yr. CAGR %	84.31	21.45	8.26	-45.28	-19.82
Diluted EPS Before Extra, 3 Yr. CAGR %	77.99	-48.2	-53.64	-56.21	-26.64
Common Equity, 3 Yr. CAGR %	-	299.95	148.58	251.91	14.23
Total Assets, 3 Yr. CAGR %	-	2.38	37.64	52	58.08
Tangible Book Value, 3 Yr. CAGR %	-	208.06	98.92	33.16	13.42
Cash From Operations, 3 Yr. CAGR %	-45.34	9.68	409.89	147.04	-6.05
Capital Expenditures, 3 Yr. CAGR %	28.44	56.14	35.35	65.56	43.45
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	24.56	50.32	42.96
Gross Profit, 5 Yr. CAGR %	-	-	22.85	56.37	46.22
Earnings From Cont. Operations, 5 Yr. CAGR %	-	-	45.13	3.57	15.78
Net Income, 5 Yr. CAGR %	-	-	45.13	3.57	15.78
Normalized Net Income, 5 Yr. CAGR %	-	-	43.18	-26.64	-0.3
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-	-21.32	-45.03	-37.13
Common Equity, 5 Yr. CAGR %	-	-	-	138.09	80.66
Total Assets, 5 Yr. CAGR %	-	-	-	28.6	37.83
Tangible Book Value, 5 Yr. CAGR %	-	-	-	98.38	64.17
Cash From Operations, 5 Yr. CAGR %	-	-	19.84	47.84	82.89
Capital Expenditures, 5 Yr. CAGR %	-	-	51.74	52	32.63