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Income Statement
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Balance Sheet
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Cashflow Statement
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Profitability
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Ratios
SoFi Technologies's Income Statement
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Revenue |
|
$1.09 B | $1.76 B | $2.90 B | $3.70 B | $4.77 B |
| Cost of Revenue |
|
$110.35 M | $243.61 M | $844.27 M | $1.12 B | $1.49 B |
| Gross Profit |
|
$977.30 M | $1.52 B | $2.05 B | $2.58 B | $3.28 B |
| Research & Development |
|
- | - | - | - | $648.33 M |
| Selling,General & Administrative |
|
$925.41 M | $1.12 B | $1.23 B | $1.40 B | $1.80 B |
| Operating Expense |
|
$1.46 B | $1.84 B | $2.35 B | $2.35 B | $2.45 B |
| Operating Income |
|
-$481.18 M | -$318.72 M | -$301.16 M | $233.35 M | $1.68 B |
| Net Income |
|
-$483.94 M | -$320.41 M | -$300.74 M | $498.67 M | $481.32 M |
SoFi Technologies's Assets vs Liabilities & Equity
SoFi Technologies's Balance Sheet
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents |
|
$689.62 M | $1.46 B | $3.59 B | $4.34 B | $7.51 B |
| Inventories |
|
- | - | - | - | - |
| Total Current Assets |
|
$833.04 M | $1.66 B | $3.87 B | $5.21 B | $7.51 B |
| Property,Plant and Equipment |
|
$227.06 M | $267.24 M | $306.54 M | $369.09 M | $510.39 M |
| Goodwill |
|
$898.53 M | $1.62 B | $1.39 B | $1.39 B | $1.39 B |
| Total Assets |
|
$9.18 B | $19.01 B | $30.07 B | $36.25 B | $50.66 B |
| Total Liabilities |
|
$4.48 B | $13.48 B | $24.52 B | $29.73 B | $40.17 B |
| Retained Earnings |
|
-$1.18 B | -$1.50 B | -$1.80 B | -$1.31 B | -$824.28 M |
| Total Shareholder Equity |
|
$4.70 B | $5.53 B | $5.55 B | $6.53 B | $10.49 B |
| Common Stock |
|
$83.00 K | $93.00 K | $97.00 K | $109.00 K | $126.00 K |
SoFi Technologies's Cash flow
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Depreciation & Amortization |
|
$101.57 M | $151.36 M | $201.42 M | $203.50 M | $234.15 M |
| Dividends Payout |
|
-$40.43 M | -$40.43 M | -$40.43 M | -$16.50 M | - |
| Capital Expenditures (Capex) |
|
-$52.26 M | -$103.73 M | -$121.19 M | -$163.62 M | -$242.44 M |
| Free Cash Flow (FCF) |
|
-$1.40 B | -$7.36 B | -$7.35 B | -$1.28 B | -$3.98 B |
SoFi Technologies's Profitability
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Gross Profit |
|
$977.30 M | $1.52 B | $2.05 B | $2.58 B | $3.28 B |
| Gross Profit Margin (%) |
|
89.85% | 86.18% | 70.86% | 69.68% | 68.73% |
| Operating Income |
|
-$481.18 M | -$318.72 M | -$301.16 M | $233.35 M | $1.68 B |
| Operating Income Margin (%) |
|
-44.24% | -18.08% | -10.39% | 6.30% | 35.27% |
| Net Income |
|
-$483.94 M | -$320.41 M | -$300.74 M | $498.67 M | $481.32 M |
| Net Income Margin (%) |
|
-44.49% | -18.18% | -10.38% | 13.46% | 10.09% |
| EBITDA |
|
-$379.61 M | -$167.36 M | -$99.74 M | $436.84 M | $1.92 B |
| EBITDA Margin (%) |
|
-34.90% | -9.49% | -3.44% | 11.79% | 40.18% |
SoFi Technologies's Ratios
| Chart | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) |
|
-10.30% | -5.80% | -5.41% | 7.64% | - |
| Return on Assets (ROA) |
|
-5.27% | -1.69% | -1.00% | 1.38% | - |
| Debt to Equity |
|
89.29% | 101.92% | 96.54% | 49.11% | 17.31% |
| Debt to total asset |
|
45.71% | 29.64% | 17.83% | 8.84% | 3.58% |
| Enterprise value to revenue |
|
11.06 | 4.75 | 4.03 | 4.55 | 0.00 |
| Enterprise value to EBITDA |
|
-31.68 | -49.99 | -117.11 | 38.55 | 0.00 |
| Enterprise value |
|
$12.03 B | $8.37 B | $11.68 B | $16.84 B | - |
| Tax Rate (%) |
|
-0.57% | -0.53% | 0.14% | -113.70% | 8.47% |
Frequently Asked Questions
