What is SoFi Technologies, Inc.'s earnings per share (EPS)?

SoFi Technologies, Inc. (SOFI) reported diluted earnings per share of $0.39 for fiscal year 2025. That is unchanged from the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

SoFi Technologies, Inc. (SOFI) Financials

SOFI

Trailing 12 months to June 30, 2026

Revenue $4.3B +40.8% YoY

Net Income $636.3M +13.3% YoY

EPS (Diluted) $0.49 -2.0% YoY

Free Cash Flow -$8.8B -191.1% YoY

Market Cap $20.4B as of Oct 10, 2026

Price / Sales 4.7x on $4.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 32.1x on $636.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.8x on $11.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SOFI SEC filings page.

SoFi Technologies, Inc. (SOFI) reported $4.3B in revenue over the twelve months to Jun 30, 2026, up 40.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SOFI FY2025 2026-10-03

Balance-sheet expansion is outpacing earnings, while reported profits coexist with persistent operating cash outflows and reliance on financing.

Revenue increased 35.1% in FY2025, but net income declined 3.5%, showing growth did not translate into additional bottom-line earnings. More importantly, net income of $481M coincided with operating cash flow of -$3.74B, so accounting profitability is not converting into operating cash.

Total assets expanded 39.8% in FY2025, while total equity grew 60.8%, indicating the larger balance sheet came with a meaningfully bigger capital cushion. That shift reduced debt-to-equity from 4.6x to 3.8x, although the structure remains heavily financed by liabilities.

FY2025 investing cash outflows reached $6.72B while financing cash inflows reached $13.1B. With operating cash flow negative, the reported expansion depended on financing flows rather than cash produced by operations.

Financial Health Signals

Financial health score not available

SoFi Technologies, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

2/7

SoFi Technologies, Inc. passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.

Earnings Quality No Cash Backing

$7.78used

For every $1 of reported earnings, SoFi Technologies, Inc. used $7.78 of operating cash (-$3.7B OCF vs $481.3M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.2B

YoY+42.5%

QoQ+10.8%

5Y CAGR+39.4%

SoFi Technologies, Inc. generated $1.2B in revenue in Q2 2026. This represents an increase of 42.5% from the same quarter a year earlier. Against the prior quarter it is up 10.8%.

Net Income

$156.6M

YoY+61.0%

QoQ-6.1%

SoFi Technologies, Inc. reported $156.6M in net income in Q2 2026. This represents an increase of 61.0% from the same quarter a year earlier. Against the prior quarter it is down 6.1%.

EPS (Diluted)

$0.12

YoY+50.0%

QoQ0.0%

SoFi Technologies, Inc. earned $0.12 per diluted share (EPS) in Q2 2026. This represents an increase of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$4.0B

YoY-160.5%

QoQ-67.3%

SoFi Technologies, Inc. recorded an outflow of $4.0B in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 160.5% from the same quarter a year earlier. Against the prior quarter it is down 67.3%.

Cash & Debt

$3.1B

YoY+47.3%

QoQ-8.1%

5Y CAGR+46.6%

SoFi Technologies, Inc. held $3.1B in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

1.29B

YoY+7.9%

QoQ+0.7%

5Y CAGR+10.2%

SoFi Technologies, Inc. had 1.29B shares outstanding in Q2 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

83.6%

YoY+1.2pp

QoQ-0.9pp

5Y change+9.8pp

SoFi Technologies, Inc.'s gross margin was 83.6% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.

Net Margin

12.8%

YoY+1.5pp

QoQ-2.3pp

5Y change+84.3pp

SoFi Technologies, Inc.'s net profit margin was 12.8% in Q2 2026, showing the share of revenue converted to profit. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.3 percentage points.

Return on Equity

1.4%

YoY0.0pp

QoQ-0.1pp

5Y change+5.3pp

SoFi Technologies, Inc.'s ROE was 1.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

R&D Spending

$191.3M

YoY+25.7%

QoQ+1.9%

5Y CAGR+22.5%

SoFi Technologies, Inc. invested $191.3M in research and development in Q2 2026. This represents an increase of 25.7% from the same quarter a year earlier. Against the prior quarter it is up 1.9%.

Capital Expenditures

$96.6M

YoY+52.2%

QoQ+43.0%

5Y CAGR+37.9%

SoFi Technologies, Inc. invested $96.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 52.2% from the same quarter a year earlier. Against the prior quarter it is up 43.0%.

Share Buybacks

Not reported for Q2 2026.

SOFI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SOFI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$4.3B	$3.6B+35.1%	$2.7B+26.0%	$2.1B+34.9%	$1.6B+59.8%	$984.9M+74.1%	$565.5M+27.8%	$442.7M
Cost of Revenue	$694.3M	$609.0M+31.9%	$461.6M+21.5%	$380.0M+21.3%	$313.2M+21.9%	$257.0M+43.6%	$178.9M+53.8%	$116.3M
Gross Profit	$3.6B	$3.0B+35.7%	$2.2B+27.0%	$1.7B+38.3%	$1.3B+73.1%	$727.9M+88.3%	$386.6M+18.5%	$326.3M
R&D Expenses	$718.9M	$648.3M+17.5%	$551.8M+7.9%	$511.4M+26.2%	$405.3M+46.8%	$276.1M+37.2%	$201.2M+36.4%	$147.5M
SG&A Expenses	$797.0M	$704.4M+17.4%	$600.1M+17.4%	$511.0M+1.9%	$501.6M+0.6%	$498.5M+110.0%	$237.4M+55.9%	$152.3M
Interest Expense	$1.3B	$1.2B+5.9%	$1.1B+38.3%	$789.3M+317.0%	$189.3M+84.2%	$102.8M-44.6%	$185.6M-33.3%	$278.4M
Income Tax	$101.5M	$44.5M+116.8%	-$265.3M-63678.8%	-$416K-124.7%	$1.7M-38.9%	$2.8M+102.6%	-$104.5M-106700.0%	$98K
Net Income	$636.3M	$481.3M-3.5%	$498.7M+265.8%	-$300.7M+6.1%	-$320.4M+33.8%	-$483.9M-116.0%	-$224.1M+6.5%	-$239.7M
EPS (Basic)	N/A	$0.42-8.7%	$0.46+227.8%	-$0.36+10.0%	-$0.40+60.0%	-$1.00+76.7%	-$4.30-7.0%	-$4.02
EPS (Diluted)	$0.49	$0.390.0%	$0.39	-$0.36+10.0%	-$0.40	-$1.00	-$4.30-7.0%	-$4.02
Diluted Shares (Avg)	N/A	1.25B+13.7%	1.10B	945M+4.9%	901M	527M	74M+12.5%	66M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.2B+42.5%	$1.1B+42.6%	$1.0B+39.6%	$961.6M+37.9%	$854.9M+42.8%	$771.8M+19.7%	$734.1M+19.3%	$697.1M+29.8%
Cost of Revenue	$200.1M+33.0%	$171.1M+26.3%	$161.6M+26.1%	$161.4M+30.5%	$150.4M+37.1%	$135.5M+35.4%	$128.2M+23.3%	$123.7M+25.9%
Gross Profit	$1.0B+44.6%	$929.2M+46.1%	$863.4M+42.5%	$800.2M+39.5%	$704.5M+44.1%	$636.2M+16.8%	$606.0M+18.5%	$573.4M+30.6%
R&D Expenses	$191.3M+25.7%	$187.7M+20.1%	$172.8M+16.0%	$167.1M+19.6%	$152.1M+15.1%	$156.2M+19.3%	$149.0M+5.1%	$139.7M+11.2%
SG&A Expenses	$216.8M+31.1%	$197.6M+26.3%	$194.2M+20.7%	$188.4M+26.5%	$165.4M+14.1%	$156.4M+7.7%	$160.9M+22.2%	$148.9M+19.7%
Interest Expense	$352.3M+28.3%	$308.0M+16.2%	$310.1M+13.3%	$306.4M+4.8%	$274.6M+4.8%	$265.1M+0.7%	$273.8M+7.1%	$292.4M+33.3%
Income Tax	$47.7M+219.6%	$32.8M+278.7%	$11.8M+104.3%	$9.2M+194.5%	$14.9M+823.3%	$8.7M+40.2%	-$272.5M-8499.0%	$3.1M+1374.6%
Net Income	$156.6M+61.0%	$166.7M+134.4%	$173.5M-47.8%	$139.4M+129.5%	$97.3M+458.9%	$71.1M-19.2%	$332.5M+593.9%	$60.7M+122.8%
EPS (Basic)	$0.12+33.3%	$0.13+116.7%	$0.15-53.1%	$0.12+100.0%	$0.09+800.0%	$0.06-25.0%	$0.32+700.0%	$0.06+120.7%
EPS (Diluted)	$0.12+50.0%	$0.12+100.0%	$0.14-54.8%	$0.11+120.0%	$0.08+700.0%	$0.06	$0.31+675.0%	$0.05+117.2%
Diluted Shares (Avg)	1.35B+14.3%	1.38B+16.2%	N/A	1.29B+16.9%	1.18B+11.1%	1.19B	N/A	1.10B+16.1%

Not reported in any period shown, so not listed: Operating Income, EBITDA.

SOFI Balance Sheet

SOFI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Total Assets	$50.7B+39.7%	$36.3B+20.5%	$30.1B+58.2%	$19.0B+107.1%	$9.2B+7.2%	$8.6B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	$1.1M	N/A
Cash & Equivalents	$4.9B+94.2%	$2.5B-17.7%	$3.1B+117.0%	$1.4B+187.4%	$494.7M-43.3%	$872.6M+74.7%	$499.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$893.5M+52.1%	$587.5M+245.9%	$169.9M+33.7%	$127.0M+48.6%	$85.5M	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.4B0.0%	$1.4B0.0%	$1.4B-14.1%	$1.6B+80.6%	$898.5M-0.1%	$899.3M+5637.7%	$15.7M
Total Liabilities	$40.2B+35.1%	$29.7B+21.2%	$24.5B+81.9%	$13.5B+201.0%	$4.5B-48.4%	$8.7B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	$183K	N/A
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	$8.7B	N/A
Long-Term Debt	N/A	N/A	N/A	$5.5B+39.0%	$3.9B-17.7%	$4.8B	N/A
Total Equity	$10.5B+60.8%	$6.5B+24.7%	$5.2B+0.5%	$5.2B+19.0%	$4.4B+3744.3%	-$120.1M+64.6%	-$339.1M
Retained Earnings	-$824.3M+36.9%	-$1.3B+27.6%	-$1.8B-20.0%	-$1.5B-27.1%	-$1.2B-69.2%	-$699.2M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$60.9B+48.2%	$53.7B+42.2%	$50.7B+39.7%	$45.3B+31.7%	$41.1B+25.9%	$37.7B+20.6%	$36.3B+20.5%	$34.4B+22.9%
Cash & Equivalents	$3.1B+47.3%	$3.4B+63.1%	$4.9B+94.2%	$3.2B+37.9%	$2.1B-9.1%	$2.1B-43.5%	$2.5B-17.7%	$2.4B-16.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	$893.5M+52.1%	N/A	N/A	N/A	$587.5M+245.9%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.4B+2.3%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%
Total Liabilities	$49.9B+45.6%	$42.9B+38.0%	$40.2B+35.1%	$36.5B+29.2%	$34.3B+28.1%	$31.1B+23.5%	$29.7B+21.2%	$28.3B+25.0%
Total Equity	$11.1B+61.4%	$10.8B+61.9%	$10.5B+60.8%	$8.8B+43.4%	$6.9B+16.3%	$6.7B+14.6%	$6.5B+24.7%	$6.1B+21.1%
Retained Earnings	-$501.0M+55.9%	-$657.5M+46.7%	-$824.3M+36.9%	-$997.8M+39.1%	-$1.1B+33.1%	-$1.2B+28.1%	-$1.3B+27.6%	-$1.6B+11.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

SOFI Cash Flow Statement

SOFI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Cash Flow	-$8.5B	-$3.7B-234.2%	-$1.1B+84.5%	-$7.2B+0.4%	-$7.3B-437.4%	-$1.4B-181.7%	-$479.3M-775.8%	-$54.7M
Depreciation & Amortization	N/A	$234.2M+15.1%	$203.5M+1.0%	$201.4M+33.1%	$151.4M+49.0%	$101.6M+45.4%	$69.8M+337.7%	$16.0M
Stock-Based Compensation	N/A	$262.1M+6.5%	$246.2M-9.2%	$271.2M-11.4%	$306.0M+28.0%	$239.0M+139.3%	$99.9M+63.9%	$60.9M
Capital Expenditures	$290.5M	$242.4M+57.2%	$154.3M+38.5%	$111.4M+19.5%	$93.2M+78.3%	$52.3M+112.9%	$24.5M-34.7%	$37.6M
Free Cash Flow	-$8.8B	-$4.0B-212.8%	-$1.3B+82.6%	-$7.3B+0.1%	-$7.3B-424.0%	-$1.4B-178.3%	-$503.9M-445.8%	-$92.3M
Investing Cash Flow	-$8.8B	-$6.7B-39.4%	-$4.8B-155.1%	-$1.9B-1677.3%	-$106.3M-196.5%	$110.2M-57.4%	$258.9M+125.4%	$114.9M
Financing Cash Flow	$18.1B	$13.1B+160.4%	$5.0B-53.8%	$10.9B+29.0%	$8.4B+1132.1%	$685.0M-19.8%	$853.8M+817.3%	$93.1M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$526K+1215.0%	$40K-99.5%	$8.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$3.9B-165.2%	-$2.3B-10866.4%	-$991.2M-395.3%	-$1.3B-11.3%	-$1.5B-202.8%	$21.5M-97.1%	-$200.1M+19.3%	-$1.2B+56.3%
Depreciation & Amortization	$73.1M+28.8%	$67.6M+22.2%	$62.9M+17.4%	$59.2M+14.4%	$56.7M+14.3%	$55.3M+13.9%	$53.5M+0.2%	$51.8M-1.4%
Stock-Based Compensation	$76.9M+21.5%	$72.0M+12.9%	N/A	$66.5M+4.4%	$63.3M+3.6%	$63.8M+15.7%	N/A	$63.6M+2.6%
Capital Expenditures	$96.6M+52.2%	$67.6M+28.4%	$66.4M+57.1%	$60.0M+38.5%	$63.5M+72.9%	$52.6M+64.5%	$42.3M+23.2%	$43.3M+54.4%
Free Cash Flow	-$4.0B-160.5%	-$2.4B-7560.4%	-$1.1B-336.4%	-$1.4B-12.2%	-$1.5B-193.7%	-$31.1M-104.4%	-$242.4M+14.1%	-$1.2B+55.2%
Investing Cash Flow	-$2.8B-64.3%	-$2.4B-66.2%	-$2.1B-63.7%	-$1.5B-1637.4%	-$1.7B+21.5%	-$1.4B-14.2%	-$1.3B+9.4%	-$84.0M+50.1%
Financing Cash Flow	$6.5B+104.7%	$3.1B+118.5%	$4.7B+284.8%	$3.8B+154.0%	$3.2B+152.4%	$1.4B+35.1%	$1.2B-38.3%	$1.5B-43.6%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

SOFI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SOFI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Gross Margin	83.2%+0.4pp	82.7%+0.6pp	82.1%+2.0pp	80.1%+6.2pp	73.9%+5.5pp	68.4%-5.3pp	73.7%
Net Margin	13.3%-5.3pp	18.6%+32.8pp	-14.2%+6.2pp	-20.4%+28.8pp	-49.1%-9.5pp	-39.6%+14.5pp	-54.1%
Return on Equity	4.6%-3.0pp	7.6%+13.4pp	-5.8%+0.4pp	-6.2%+4.9pp	-11.1%	N/A	N/A
Return on Assets	0.9%-0.4pp	1.4%+2.4pp	-1.0%+0.7pp	-1.7%+3.6pp	-5.3%-2.6pp	-2.6%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	5.78	N/A
Debt-to-Equity	3.83-0.7x	4.56-0.1x	4.68+3.6x	1.05+0.2x	0.90	N/A	N/A
Asset Turnover	0.070.0x	0.070.0x	0.070.0x	0.080.0x	0.110.0x	0.07	N/A
FCF Margin	-110.3%	-47.6%	-345.7%	-467.0%	-142.4%	-89.1%-68.2pp	-20.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	83.6%+1.2pp	84.5%+2.0pp	84.2%+1.7pp	83.2%+1.0pp	82.4%+0.7pp	82.4%-2.0pp	82.5%-0.6pp	82.3%+0.5pp
Net Margin	12.8%+1.5pp	15.2%+5.9pp	16.9%-28.4pp	14.5%+5.8pp	11.4%+8.5pp	9.2%-4.4pp	45.3%+37.5pp	8.7%+58.4pp
Return on Equity	1.4%0.0pp	1.5%+0.5pp	1.7%-3.4pp	1.6%+0.6pp	1.4%+1.1pp	1.1%-0.5pp	5.1%+4.2pp	1.0%+6.3pp
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.3%-0.6pp	0.3%+0.1pp	0.2%+0.2pp	0.2%-0.1pp	0.9%+0.8pp	0.2%+1.1pp
Debt-to-Equity	4.50-0.5x	3.97-0.7x	3.83-0.7x	4.16-0.5x	4.99+0.5x	4.65+0.3x	4.56-0.1x	4.62+0.1x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	-327.2%	-216.5%	-103.2%	-142.0%	-179.0%	-4.0%	-33.0%+12.8pp	-174.6%

Not reported in any period shown, so not listed: Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
SoFi Technologies, Inc. SOFI	FY2025	$3.6B	$481.3M	13.3%	$20.4B	—
SYNCHRONY FINANCIAL SYF	FY2025	$19.0B	$3.6B	18.7%	$23.7B	16/100
PayPal Holdings, Inc. PYPL	FY2025	$33.2B	$5.2B	15.8%	$47.5B	68/100
Ally Financial Inc. ALLY	FY2025	$7.9B	$852.0M	10.8%	$11.4B	12/100
Capital One Financial COF	FY2025	$53.4B	$2.5B	4.6%	$122.2B	41/100
OneMain Holdings, Inc. OMF	FY2025	$4.9B	$783.0M	16.0%	$6.5B	11/100

Where SoFi Technologies, Inc. Ranks

Frequently Asked Questions

What is SoFi Technologies, Inc.'s annual revenue?

SoFi Technologies, Inc. (SOFI) reported $3.6B in total revenue for fiscal year 2025. This represents a 35.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is SoFi Technologies, Inc.'s revenue growing?

SoFi Technologies, Inc. (SOFI) revenue grew by 35.1% year-over-year, from $2.7B to $3.6B in fiscal year 2025.

Is SoFi Technologies, Inc. profitable?

Yes, SoFi Technologies, Inc. (SOFI) reported a net income of $481.3M in fiscal year 2025, with a net profit margin of 13.3%.

What is SoFi Technologies, Inc.'s gross margin?

SoFi Technologies, Inc. (SOFI) had a gross margin of 83.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is SoFi Technologies, Inc.'s net profit margin?

SoFi Technologies, Inc. (SOFI) had a net profit margin of 13.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is SoFi Technologies, Inc.'s return on equity (ROE)?

SoFi Technologies, Inc. (SOFI) has a return on equity of 4.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is SoFi Technologies, Inc.'s free cash flow?

SoFi Technologies, Inc. (SOFI) recorded an outflow of $4.0B in free cash flow during fiscal year 2025. This represents a -212.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is SoFi Technologies, Inc.'s operating cash flow?

SoFi Technologies, Inc. (SOFI) recorded an outflow of $3.7B in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are SoFi Technologies, Inc.'s total assets?

SoFi Technologies, Inc. (SOFI) had $50.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are SoFi Technologies, Inc.'s capital expenditures?

SoFi Technologies, Inc. (SOFI) invested $242.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does SoFi Technologies, Inc. spend on research and development?

SoFi Technologies, Inc. (SOFI) invested $648.3M in research and development during fiscal year 2025.

How many shares does SoFi Technologies, Inc. have outstanding?

SoFi Technologies, Inc. (SOFI) had 1.28B shares outstanding as of fiscal year 2025.

What is SoFi Technologies, Inc.'s debt-to-equity ratio?

SoFi Technologies, Inc. (SOFI) had a debt-to-equity ratio of 3.83 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is SoFi Technologies, Inc.'s return on assets (ROA)?

SoFi Technologies, Inc. (SOFI) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is SoFi Technologies, Inc.'s P/E ratio?

SoFi Technologies, Inc. (SOFI) trades at 32.1x earnings, its market capitalization divided by net income of $636.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $20.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SoFi Technologies, Inc.'s price-to-sales ratio?

SoFi Technologies, Inc. (SOFI) trades at 4.7x sales, its market capitalization divided by revenue of $4.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $20.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SoFi Technologies, Inc.'s Piotroski F-Score?

SoFi Technologies, Inc. (SOFI) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are SoFi Technologies, Inc.'s earnings high quality?

For every $1 of reported earnings, SoFi Technologies, Inc. (SOFI) used $7.78 of operating cash (-$3.7B OCF vs $481.3M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.