SOFI
Company Description
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.77B | 3.70B | 2.90B | 1.76B | 1.09B | 751.14M | 721.02M | 599.95M | 824.63M |
| Net Income | 481.32M | 498.67M | (300.74M) | (320.41M) | (483.94M) | (224.05M) | (239.70M) | (252.40M) | 49.77M |
| EPS | 0.42 | 0.46 | -0.36 | -0.40 | -1.00 | -2.73 | -2.27 | -2.17 | 1.62 |
| Free Cash Flow | (3.98B) | (1.28B) | (7.35B) | (7.36B) | (1.40B) | (503.88M) | (92.32M) | 1.01B | 65.21M |
| FCF / Share | -3.46 | -1.22 | -7.78 | -8.17 | -2.66 | -4.34 | -0.79 | 8.69 | 1.76 |
| Operating CF | (3.74B) | (1.12B) | (7.23B) | (7.26B) | (1.35B) | (479.34M) | (54.73M) | 1.02B | 76.79M |
| Total Assets | 50.66B | 36.25B | 30.07B | 19.01B | 9.18B | 8.56B | 7.29B | 8.55B | N/A |
| Total Debt | 1.82B | 3.20B | 5.36B | 5.63B | 4.19B | 5.06B | 5.08B | 6.65B | N/A |
| Cash & Equiv | 4.93B | 2.54B | 3.09B | 1.42B | 494.71M | 872.58M | 499.49M | 537.00M | N/A |
| Book Value | 10.49B | 6.53B | 5.55B | 5.53B | 4.70B | 3.05B | 2.10B | 1.82B | N/A |
| Return on Equity | 0.05 | 0.08 | -0.05 | -0.06 | -0.10 | -0.07 | -0.11 | -0.14 | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.41B | 1.34B | 1.27B | 1.13B | 1.04B | 1.01B | 986.16M | 860.63M | 848.99M | 856.43M | 756.52M | 676.89M |
| Net Income | 166.73M | 173.55M | 139.39M | 97.26M | 71.12M | 332.47M | 60.74M | 17.40M | 88.04M | 47.91M | (266.68M) | (47.55M) |
| EPS | 0.13 | 0.14 | 0.12 | 0.09 | 0.06 | 0.32 | 0.05 | 0.01 | 0.08 | 0.04 | -0.29 | -0.06 |
| Free Cash Flow | 50.32M | (1.06B) | 9.78M | (1.53B) | (32.75M) | (244.33M) | (1.22B) | (523.84M) | 704.14M | (284.59M) | (2.72B) | (2.11B) |
| FCF / Share | 0.04 | -0.86 | 0.01 | -1.39 | -0.03 | -0.22 | -1.14 | -0.49 | 0.72 | -0.30 | -2.86 | -2.25 |
| Operating CF | 119.10M | (991.18M) | 72.94M | (1.47B) | 21.50M | (200.10M) | (1.17B) | (484.37M) | 738.25M | (247.94M) | (2.69B) | (2.08B) |
| Total Assets | 53.70B | 50.66B | 45.29B | 41.11B | 37.75B | 36.25B | 34.38B | 32.64B | 31.31B | 30.07B | 27.98B | 25.56B |
| Total Debt | 1.91B | 1.82B | 2.81B | 4.03B | 3.14B | 3.20B | 3.28B | 3.21B | 3.00B | 5.36B | 6.36B | 6.61B |
| Cash & Equiv | 3.76B | 4.93B | 3.25B | 2.12B | 2.09B | 2.54B | 2.35B | 2.33B | 3.69B | 3.09B | 2.81B | 3.02B |
| Book Value | 10.81B | 10.49B | 8.78B | 6.86B | 6.68B | 6.53B | 6.12B | 5.90B | 6.15B | 5.55B | 5.37B | 5.58B |
| Return on Equity | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.05 | 0.01 | 0.00 | 0.01 | 0.01 | -0.05 | -0.01 |
