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SoFi Technologies, Inc.

SOFI Clue Score58
United States Fiscal year ends December CIK 0001818874
$15.80 +1.22% Close, 9 Oct 2026
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Price $15.80 −14.08% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 30 Nov 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2019Revenue0.00Net income−0.24EPS, diluted−4.02Fiscal year 2020Revenue0.10 +2,186.1%Net income−0.22EPS, diluted−4.30Fiscal year 2021Revenue0.25 +139.7%Net income−0.48EPS, diluted−1.00Fiscal year 2022Revenue0.38 +52.2%Net income−0.32EPS, diluted−0.40Fiscal year 2023Revenue0.42 +11.8%Net income−0.30EPS, diluted−0.36Fiscal year 2024Revenue0.50 +19.4%Net income0.50EPS, diluted0.39Fiscal year 2025Revenue0.62 +23.1%Net income0.48 −3.5%EPS, diluted0.39
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.00 0.10 0.25 0.38 0.42 0.50 0.62
Growth +2,186.1% +139.7% +52.2% +11.8% +19.4% +23.1%
Net income −0.24 −0.22 −0.48 −0.32 −0.30 0.50 0.48
Growth −3.5%
EPS, diluted −4.02 −4.30 −1.00 −0.40 −0.36 0.39 0.39

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2019Net margin−5,303.0%Free cash flow margin−2,042.5%Fiscal year 2020Net margin−216.8%Free cash flow margin−487.6%Fiscal year 2021Net margin−195.4%Free cash flow margin−566.2%Fiscal year 2022Net margin−85.0%Free cash flow margin−1,948.9%Fiscal year 2023Net margin−71.4%Free cash flow margin−1,741.2%Fiscal year 2024Net margin99.1%Free cash flow margin−253.2%Fiscal year 2025Net margin77.7%Free cash flow margin−643.4%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin −5,303.0% −216.8% −195.4% −85.0% −71.4% 99.1% 77.7%
Free cash flow margin −2,042.5% −487.6% −566.2% −1,948.9% −1,741.2% −253.2% −643.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow−0.05Capital expenditure−0.04Free cash flow−0.09Buybacks−0.01Fiscal year 2020Operating cash flow−0.48Capital expenditure−0.02Free cash flow−0.50Buybacks−0.00Fiscal year 2021Operating cash flow−1.35Capital expenditure−0.05Free cash flow−1.40Buybacks−0.00Fiscal year 2022Operating cash flow−7.26Capital expenditure−0.09Free cash flow−7.35Buybacks0.00Fiscal year 2023Operating cash flow−7.23Capital expenditure−0.11Free cash flow−7.34Buybacks0.00Fiscal year 2024Operating cash flow−1.12Capital expenditure−0.15Free cash flow−1.27Fiscal year 2025Operating cash flow−3.74Capital expenditure−0.24Free cash flow−3.98
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.05 −0.48 −1.35 −7.26 −7.23 −1.12 −3.74
Capital expenditure −0.04 −0.02 −0.05 −0.09 −0.11 −0.15 −0.24
Free cash flow −0.09 −0.50 −1.40 −7.35 −7.34 −1.27 −3.98
Growth
Buybacks −0.01 −0.00 −0.00 0.00 0.00 n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash0.50Shareholders’ equity−0.34Fiscal year 2020Cash0.87Total debt4.80Net cash (debt)−3.93Shareholders’ equity−0.12Fiscal year 2021Cash0.49Total debt3.95Net cash (debt)−3.45Shareholders’ equity4.38Debt to equity0.90Fiscal year 2022Cash1.42Total debt5.49Net cash (debt)−4.06Shareholders’ equity5.21Debt to equity1.05Fiscal year 2023Cash3.09Shareholders’ equity5.23Fiscal year 2024Cash2.54Shareholders’ equity6.53Fiscal year 2025Cash4.93Shareholders’ equity10.49
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.50 0.87 0.49 1.42 3.09 2.54 4.93
Total debt n/a 4.80 3.95 5.49 n/a n/a n/a
Net cash (debt) n/a −3.93 −3.45 −4.06 n/a n/a n/a
Shareholders’ equity −0.34 −0.12 4.38 5.21 5.23 6.53 10.49
Debt to equity n/a n/a 0.90 1.05 n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
−5,300.9% −317.9% −194.2% −84.5% −71.5% 46.4% 84.9%
−5,303.0% −216.8% −195.4% −85.0% −71.4% 99.1% 77.7%
−2,042.5% −487.6% −566.2% −1,948.9% −1,741.2% −253.2% −643.4%
Spending
3,262.3% 194.7% 111.5% 107.5% 121.3% 109.7% 104.7%
3,368.9% 229.7% 201.3% 133.0% 121.2% 119.3% 113.7%
831.6% 23.8% 21.1% 24.7% 26.4% 30.7% 39.1%
n/a n/a n/a n/a n/a −113.7% 8.5%
Returns
n/a n/a −11.1% −6.2% −5.7% 7.6% 4.6%
n/a −2.6% −5.3% −1.7% −1.0% 1.4% 1.0%
Balance and payout
n/a n/a 0.90 1.05 n/a n/a n/a
n/a 64.3% 48.8% 70.9% 81.5% 82.0% 79.3%