SoFi Technologies, Inc. financial data

Symbol
SOFI on Nasdaq
Location
San Francisco, CA
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 17 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 433% % -4%
Return On Equity 5.9% % -28%
Return On Assets 1.1% % -26%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 1,275,263,850 shares 16%
Common Stock, Shares, Outstanding 1,270,568,878 shares 16%
Entity Public Float $20,000,000,000 USD 199%
Common Stock, Value, Issued $126,000 USD 16%
Weighted Average Number of Shares Outstanding, Basic 1,150,140,000 shares 9.5%
Weighted Average Number of Shares Outstanding, Diluted 1,251,767,000 shares 14%

Income Statement

Label TTM Value / Value Unit Change %
Revenue from Contract with Customer, Excluding Assessed Tax $619,353,000 USD 23%
Cost of Revenue $608,998,000 USD 32%
Research and Development Expense $648,332,000 USD 17%
Selling and Marketing Expense $1,095,412,000 USD 38%
General and Administrative Expense $704,436,000 USD 17%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $525,857,000 USD 125%
Income Tax Expense (Benefit) $44,537,000 USD
Net Income (Loss) Attributable to Parent $481,320,000 USD -3.5%
Earnings Per Share, Basic 0.42 USD/shares -8.7%
Earnings Per Share, Diluted 0.39 USD/shares 0%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $4,929,452,000 USD 94%
Operating Lease, Right-of-Use Asset $93,941,000 USD 16%
Intangible Assets, Net (Excluding Goodwill) $231,919,000 USD -22%
Goodwill $1,393,505,000 USD 0%
Assets $50,660,478,000 USD 40%
Contract with Customer, Liability, Current $8,535,000 USD 14%
Liabilities $40,170,983,000 USD 35%
Accumulated Other Comprehensive Income (Loss), Net of Tax $10,979,000 USD
Retained Earnings (Accumulated Deficit) $824,278,000 USD 37%
Stockholders' Equity Attributable to Parent $10,489,495,000 USD 61%
Liabilities and Equity $50,660,478,000 USD 40%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $21,502,000 USD -97%
Net Cash Provided by (Used in) Financing Activities $1,425,763,000 USD 35%
Net Cash Provided by (Used in) Investing Activities $1,440,220,000 USD -14%
Common Stock, Shares Authorized 3,100,000,000 shares 0%
Common Stock, Shares, Issued 1,270,568,878 shares 16%
Common Stock, Par or Stated Value Per Share 0 USD/shares
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $6,776,000 USD -99%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $5,356,773,000 USD 98%
Deferred Tax Assets, Valuation Allowance $38,656,000 USD 26%
Deferred Tax Assets, Gross $425,317,000 USD -3.6%
Operating Lease, Liability $106,190,000 USD 9%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $500,664,000 USD 1.9%
Lessee, Operating Lease, Liability, to be Paid $126,359,000 USD 7.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $25,556,000 USD 6.2%
Lessee, Operating Lease, Liability, to be Paid, Year One $26,577,000 USD 4.3%
Operating Lease, Weighted Average Discount Rate, Percent 0.057 pure -1.7%
Deferred Income Tax Expense (Benefit) $8,794,000 USD
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $20,169,000 USD 0.73%
Lessee, Operating Lease, Liability, to be Paid, Year Three $22,552,000 USD 27%
Deferred Tax Assets, Operating Loss Carryforwards $123,100,000 USD -36%
Unrecognized Tax Benefits $43,620,000 USD 20%
Lessee, Operating Lease, Liability, to be Paid, Year Four $19,370,000 USD 19%
Additional Paid in Capital $11,302,668,000 USD 44%
Depreciation, Depletion and Amortization $55,283,000 USD 14%
Deferred Tax Assets, Net of Valuation Allowance $386,661,000 USD -5.8%
Share-based Payment Arrangement, Expense $262,058,000 USD 6.5%
Interest Expense $916,966,000 USD 204%