SoFi Technologies, Inc. is a financial service platform that provides student loan refinancing options to the private student loan market. Headquartered in San Francisco, California, the company currently employs 5,000 full-time employees and went public on November 30, 2020. Through its lending and financial services products, SoFi enables members to borrow, save, spend, invest, and protect their money. The company operates through three segments: Lending, Technology Platform, and Financial Services. The Lending segment offers personal loans, student loans, home loans, and related servicing to meet various financial needs. Its platform supports the entire transaction lifecycle, including credit application, underwriting, approval, funding, and servicing. The Technology Platform segment delivers services through a diversified suite of offerings, including an event and authorization platform accessed via application programming interfaces (APIs), a cloud-native digital and core banking platform, and related services. The Financial Services segment provides a range of financial solutions, including SoFi Money and SoFi Invest.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
525
525
233
-301
-318
-481
Income Tax Expense
44
44
-265
0
1
2
Net Income
481
481
479
-341
-360
-524
Net Income Growth
0%
0%
-240%
-5%
-31%
65%
Shares Outstanding (Diluted)
1,346.9
1,251.76
1,101.39
945.02
900.88
526.73
Shares Change (YoY)
15%
14%
17%
5%
71%
-34%
EPS (Diluted)
0.35
0.38
0.44
-0.36
-0.4
-1
EPS Growth
-13%
-12%
-222%
-10%
-60%
150%
Free Cash Flow
-3,993
-3,993
-1,283
-7,348
-7,359
-1,402
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
234
234
203
201
151
101
EBIT
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EBIT Margin
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Effective Tax Rate
8.38%
8.38%
-113.73%
0%
-0.31%
-0.41%
Follow-Up Questions
What are SoFi Technologies Inc's key financial statements?
According to the latest financial statement (Form-10K), SoFi Technologies Inc has a total asset of $50,660, Net profit of $481
What are the key financial ratios for SOFI?
SoFi Technologies Inc's Current ratio is 1.26, has a Net margin is 0, sales per share of $0.
How is SoFi Technologies Inc's revenue broken down by segment or geography?
SoFi Technologies Inc largest revenue segment is Lending, at a revenue of 1,848,949,000 in the most earnings release.For geography, United States is the primary market for SoFi Technologies Inc, at a revenue of 2,576,456,000.
Is SoFi Technologies Inc profitable?
yes, according to the latest financial statements, SoFi Technologies Inc has a net profit of $481
Does SoFi Technologies Inc have any liabilities?
yes, SoFi Technologies Inc has liability of 40,170
How many outstanding shares for SoFi Technologies Inc?
SoFi Technologies Inc has a total outstanding shares of 1,270.56