SoFi Technologies, Inc. financial data

Symbol
SOFI on Nasdaq
Location
San Francisco, CA
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 06 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 456% % 0.58%
Return On Equity 8.9% % 139%
Return On Assets 1.6% % 139%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 1,205,903,044 shares 11%
Common Stock, Shares, Outstanding 1,204,569,655 shares 11%
Entity Public Float $6,700,000,000 USD -9.5%
Common Stock, Value, Issued $120,000 USD 11%
Weighted Average Number of Shares Outstanding, Basic 1,171,205,000 shares 9.3%
Weighted Average Number of Shares Outstanding, Diluted 1,291,011,000 shares 17%

Income Statement

Label TTM Value / Value Unit Change %
Revenue from Contract with Customer, Excluding Assessed Tax $584,570,000 USD 21%
Cost of Revenue $575,535,000 USD 32%
Research and Development Expense $624,482,000 USD 15%
Selling and Marketing Expense $1,019,059,000 USD 37%
General and Administrative Expense $671,114,000 USD 18%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $400,449,000 USD 78%
Income Tax Expense (Benefit) $239,795,000 USD -2389%
Net Income (Loss) Attributable to Parent $640,244,000 USD 199%
Earnings Per Share, Basic 0 USD/shares 205%
Earnings Per Share, Diluted 0 USD/shares 367%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $3,246,351,000 USD 38%
Operating Lease, Right-of-Use Asset $79,419,000 USD -5.6%
Intangible Assets, Net (Excluding Goodwill) $247,845,000 USD -21%
Goodwill $1,393,505,000 USD 0%
Assets $45,293,450,000 USD 32%
Contract with Customer, Liability, Current $8,597,000 USD 11%
Liabilities $36,513,487,000 USD 29%
Accumulated Other Comprehensive Income (Loss), Net of Tax $9,548,000 USD 18%
Retained Earnings (Accumulated Deficit) $997,827,000 USD 39%
Stockholders' Equity Attributable to Parent $8,779,963,000 USD 43%
Liabilities and Equity $45,293,450,000 USD 32%

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 1,204,569,655 shares 11%
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 $3,746,447,000 USD 26%
Deferred Tax Assets, Valuation Allowance $30,653,000 USD -91%
Deferred Tax Assets, Gross $440,982,000 USD 5.1%
Operating Lease, Liability $93,004,000 USD -7.9%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $641,683,000 USD 190%
Lessee, Operating Lease, Liability, to be Paid $117,411,000 USD -12%
Lessee, Operating Lease, Liability, to be Paid, Year Two $24,059,000 USD 3.9%
Lessee, Operating Lease, Liability, to be Paid, Year One $25,473,000 USD 3.8%
Operating Lease, Weighted Average Discount Rate, Percent 0.06 pure 0%
Deferred Income Tax Expense (Benefit) $8,794,000 USD
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $20,022,000 USD -19%
Lessee, Operating Lease, Liability, to be Paid, Year Three $17,745,000 USD -18%
Deferred Tax Assets, Operating Loss Carryforwards $192,819,000 USD -18%
Unrecognized Tax Benefits $36,235,000 USD 22%
Lessee, Operating Lease, Liability, to be Paid, Year Four $16,271,000 USD 3.2%
Additional Paid in Capital $9,768,122,000 USD 26%
Depreciation, Depletion and Amortization $55,283,000 USD 14%
Deferred Tax Assets, Net of Valuation Allowance $410,329,000 USD 455%
Share-based Payment Arrangement, Expense $259,848,000 USD 4.4%
Interest Expense $916,966,000 USD 204%