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Company research / SOFI

SoFi Technologies, Inc. (SOFI)

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CIK 0001818874 · Nasdaq · Finance Services

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, SoFi Technologies, Inc. reported revenue of $3.61B. Revenue grew 35.1% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $4.31B.

Key ratios (year ended 2025-12-31)

83.1%
Gross margin (computed)
13.3%
Net margin
4.6%
Return on year-end equity
35.1%
Revenue growth (YoY)

Computed by TickerFacts from revenue minus cost of revenue. This may differ from the issuer's reported gross profit or margin; check the revenue and cost definitions.

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Latest selected filing: Form 4 (ownership change) · 2026-09-23

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-31
Revenue$4.31B$3.61B$2.67B$2.12B$1.57B$984.87M$565.53M$442.66M
Cost of Revenue$694.30M$609.00M$461.63M$380.00M$313.23M$256.98M$178.90M$116.33M
Gross Profit (computed)$3.61B$3.00B$2.21B$1.74B$1.26B$727.89M$386.64M$326.33M
R&D Expense$718.93M$648.33M$551.79M$511.42M$405.26M$276.09M$201.20M$147.46M
Depreciation & Amortization$262.81M$234.15M$203.50M$201.42M$151.36M$101.57M$69.83M$15.96M
Net Income$636.26M$481.32M$498.67M-$300.74M-$320.41M-$483.94M-$224.05M-$239.70M
EPS (Diluted)n/a$0.39$0.39-$0.36-$0.40-$1.00-$4.30-$4.02
Total Assets$60.95B$50.66B$36.25B$30.07B$19.01B$9.18B$8.56Bn/a
Total Liabilities$49.87B$40.17B$29.73B$24.52B$13.48B$4.48B$5.51Bn/a
Long-Term Debtn/an/an/an/a$5.49B$3.95B$4.80Bn/a
Shareholders' Equity$11.08B$10.49B$6.53B$5.23B$5.21B$4.38B-$120.11M-$339.06M
Cash & Equivalents$3.13B$4.93B$2.54B$3.09B$1.42B$494.71M$872.58M$499.49M
Operating Cash Flow-$8.50B-$3.74B-$1.12B-$7.23B-$7.26B-$1.35B-$479.34M-$54.73M
Capital Expenditures$290.50M$242.44M$154.26M$111.41M$93.20M$52.26M$24.55M$37.59M
Free Cash Flow-$8.79B-$3.98B-$1.27B-$7.34B-$7.35B-$1.40B-$503.88M-$92.32M
Share Repurchasesn/an/an/a$0$0$526.0K$40.0K$8.80M
Shares Outstanding1.29B1.27B1.10B975.86M933.90M828.15M115.08Mn/a
Dividends Per Sharen/a$0.00$0.00$0.00$0.00n/an/an/a
Weighted Average Diluted Sharesn/a1.25B1.10B945.02M900.89M526.73M73.85M65.62M
EPS (Basic)n/a$0.42$0.46-$0.36-$0.40-$1.00-$4.30-$4.02

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