SoFi Technologies, Inc. (SOFI)
NASDAQ: SOFI · Real-Time Price · USD
18.90
-0.35 (-1.82%)
At close: Mar 6, 2026, 4:00 PM EST
18.56
-0.34 (-1.80%)
After-hours: Mar 6, 2026, 7:59 PM EST
SoFi Technologies Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| Interest and Dividend Income | 3,375 | 2,808 | 2,051 | 773.37 | 355.02 | |
| Total Interest Expense | 1,156 | 1,091 | 789.33 | 189.28 | 102.78 | |
| Net Interest Income | 2,219 | 1,716 | 1,262 | 584.1 | 252.24 | |
| Other Revenue | 1,151 | 680.26 | 451.91 | 424.07 | 249.86 | |
| Revenue Before Loan Losses | 3,613 | 2,675 | 2,123 | 1,574 | 984.87 | |
| Provision for Loan Losses | 30.32 | 31.71 | 54.95 | 54.33 | 7.57 | |
| Revenue | 3,583 | 2,643 | 2,068 | 1,519 | 977.3 | |
| Revenue Growth (YoY) | 35.56% | 27.82% | 36.11% | 55.45% | 72.81% | |
| Salaries & Employee Benefits | 247.99 | 232.69 | 260.55 | 288.16 | 227.27 | |
| Cost of Services Provided | 2,809 | 2,177 | 1,861 | 1,530 | 1,204 | |
| Total Operating Expenses | 3,057 | 2,410 | 2,122 | 1,819 | 1,431 | |
| Operating Income | 525.86 | 233.35 | -53.98 | -299.4 | -453.84 | |
| EBT Excluding Unusual Items | 525.86 | 233.35 | -53.98 | -299.4 | -453.84 | |
| Impairment of Goodwill | - | - | -247.17 | - | - | |
| Pretax Income | 525.86 | 233.35 | -301.16 | -318.72 | -481.18 | |
| Income Tax Expense | 44.54 | -265.32 | -0.42 | 1.69 | 2.76 | |
| Net Income | 481.32 | 498.67 | -300.74 | -320.41 | -483.94 | |
| Preferred Dividends & Other Adjustments | - | 19.53 | 40.43 | 40.43 | 40.43 | |
| Net Income to Common | 481.32 | 479.14 | -341.17 | -360.83 | -524.36 | |
| Net Income Growth | -3.48% | - | - | - | - | |
| Shares Outstanding (Basic) | 1,150 | 1,050 | 945 | 901 | 527 | |
| Shares Outstanding (Diluted) | 1,252 | 1,101 | 945 | 901 | 527 | |
| Shares Change (YoY) | 13.65% | 16.55% | 4.90% | 71.03% | 613.23% | |
| EPS (Basic) | 0.42 | 0.46 | -0.36 | -0.40 | -1.00 | |
| EPS (Diluted) | 0.39 | 0.39 | -0.36 | -0.40 | -1.00 | |
| EPS Growth | -2.31% | - | - | - | - | |
| Free Cash Flow | -3,985 | -1,274 | -7,339 | -7,349 | -1,402 | |
| Free Cash Flow Per Share | -3.18 | -1.16 | -7.76 | -8.16 | -2.66 | |
| Operating Margin | 14.68% | 8.83% | -2.61% | -19.71% | -46.44% | |
| Profit Margin | 13.43% | 18.13% | -16.50% | -23.75% | -53.65% | |
| Free Cash Flow Margin | -111.22% | -48.20% | -354.89% | -483.74% | -143.51% | |
| Effective Tax Rate | 8.47% | - | - | - | - | |
Source: S&P Capital IQ. Financial Services template.
Financial Sources.