SOFI · SoFi Technologies, Inc.
$16.45
-0.20 (-1.20%)
At close · Jul 24
Market Cap
$21.11B
Shares
1.28B
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$3.61B
+35.1%
FY2025
Net Income
$481.32M
-3.5%
FY2025
Gross Margin
83.15%
+0.4pp
FY2025
Diluted EPS
$0.39
0%
FY2025
Operating Cash Flow
-$3.74B
-234.2%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| $3.94B | $3.61B | $2.67B | $2.12B | $1.57B | $984.87M | $565.53M | $442.66M | |
| $2.41B | $2.22B | $1.72B | $1.26B | $584.1M | $252.24M | $177.93M | $329.83M | |
| $1.53B | $1.39B | $958.38M | $861.05M | $989.44M | $732.63M | $387.6M | $112.83M | |
| $3.94B | $3.61B | $2.67B | $2.12B | $1.57B | $984.87M | $565.53M | $442.66M | |
| $644.6M | $609M | $461.63M | $380M | $313.23M | $256.98M | $178.9M | $116.33M | |
| $3.3B | $3B | $2.21B | $1.74B | $1.26B | $727.89M | $386.64M | $326.33M | |
| — | 83.15% | 82.74% | 82.1% | 80.09% | 73.91% | 68.37% | 73.72% | |
| $679.8M | $648.33M | $551.79M | $511.42M | $405.26M | $276.09M | $201.2M | $147.46M | |
| $1.19B | $1.1B | $796.29M | $719.4M | $617.82M | $426.88M | $276.58M | $266.2M | |
| $745.62M | $704.44M | $600.09M | $511.01M | $501.62M | $498.53M | $237.38M | $152.28M | |
| — | $74.58M | $75.49M | $104.92M | $93.02M | $70.51M | $49.74M | $3.01M | |
| — | $234.15M | $203.5M | $201.42M | $151.36M | $101.57M | $69.83M | $15.96M | |
| — | $948K | $1.53M | $12.75M | — | — | — | — | |
| $916.97M | — | — | $789.33M | $189.28M | $102.78M | $185.61M | $278.36M | |
| — | — | — | $0 | $0 | -$261K | $4.31M | $869K | |
| $645.63M | $525.86M | $233.35M | -$301.16M | -$318.72M | -$481.18M | -$328.52M | -$239.6M | |
| $68.69M | $44.54M | -$265.32M | -$416K | $1.69M | $2.76M | -$104.47M | $98K | |
| $576.94M | $481.32M | $498.67M | -$300.74M | -$320.41M | -$483.94M | -$224.05M | -$239.7M | |
| — | 13.32% | 18.64% | -14.17% | -20.36% | -49.14% | -39.62% | -54.15% | |
| $576.94M | $481.32M | $479.14M | -$341.17M | -$360.83M | -$524.36M | -$317.25M | -$263.62M | |
| $571.36M | $500.66M | $491.51M | -$293.66M | -$327.23M | -$485.24M | -$224.2M | -$239.71M | |
| USD/shares | — | $0.42 | $0.46 | -$0.36 | -$0.40 | -$1.00 | -$4.30 | -$4.02 |
| USD/shares | — | $0.39 | $0.39 | -$0.36 | -$0.40 | -$1.00 | -$4.30 | -$4.02 |
| shares | — | 1.15B | 1.05B | 945.02M | 900.89M | 526.73M | 73.85M | 65.62M |
| shares | — | 1.25B | 1.1B | 945.02M | 900.89M | 526.73M | 73.85M | 65.62M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2019–FY2023: $9.37M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
Credit Services median 3.16×
EV/EBIT
—
Credit Services median 24.71×
P/E (TTM)
36.58×
Credit Services median 12.07×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Lending Segment | $1,848,949,000 | $1,485,222,000 | $1,370,621,000 | $1,139,991,000 | $738,323,000 | $480,866,000 | $434,301,000 |
| Financial Services Segment | $1,542,016,000 | $821,511,000 | $436,515,000 | $167,676,000 | $58,078,000 | $11,870,000 | $3,932,000 |
| Technology Platform Segment | $450,211,000 | $395,178,000 | $352,340,000 | $315,133,000 | $194,886,000 | $96,316,000 | $795,000 |
By Geography (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| United States | $3,364,662,000 | $2,576,456,000 | $2,028,112,000 | $1,504,680,000 | $981,705,000 | $564,751,000 |
| Non Us | $248,692,000 | $98,403,000 | $94,677,000 | $68,855,000 | $3,167,000 | $781,000 |
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Technology Services | $355,721,000 | $346,185,000 | $319,845,000 | — | — | — | — |
| Interchange | $114,315,000 | $66,829,000 | $35,247,000 | $17,391,000 | $10,642,000 | $2,433,000 | — |
| Referrals Loan Platform | $79,985,000 | $52,129,000 | $33,602,000 | — | — | — | — |
| Brokerage | $39,666,000 | $21,494,000 | $21,127,000 | $15,446,000 | $22,733,000 | $3,470,000 | $84,000 |
| Referrals Other | $12,454,000 | $8,197,000 | $4,841,000 | — | — | — | — |
| Financial Service Other | $12,141,000 | $2,797,000 | $2,647,000 | — | — | — | — |
| Technology Platform Other | $5,071,000 | $5,492,000 | $4,145,000 | — | — | — | — |
| Enterprise Services | — | — | — | — | — | — | $124,000 |
| Equity Capital Market Services | — | — | — | — | — | — | $0 |
| Financial Services and Technology Platform Other | — | — | — | $3,306,000 | $6,746,000 | $1,411,000 | — |
| Payment Network Fees | — | — | — | — | — | — | $660,000 |
| Referrals | — | — | — | $36,052,000 | $15,750,000 | $5,889,000 | $3,652,000 |
| Technology Platform Fees | — | — | — | $299,379,000 | $191,847,000 | $90,128,000 | $0 |
| License | — | — | — | $5,522,000 | $0 | $0 | — |
Key facts
CIK
1818874
CUSIP
83406F102
13F (30d)
248 filings
246 filers
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