SOFI

Updated: Mar 12, 2026 11:30 AM

SoFi Technologies Inc.

Market Cap: $34.36B P/S: 27x Ownership — Insider: 3.1% | Institutional: 54.3% | Retail: 42.5% FINANCIAL SERVICES CREDIT SERVICES

SoFi Technologies, Inc. is a prominent digital financial services provider based in San Francisco, California, focusing on a diverse range of offerings, including personal loans, student and home refinancing, investment management, and insurance solutions. By leveraging cutting-edge technology, SoFi aims to empower individuals on their journey to financial independence while enhancing the accessibility and efficiency of financial services. The company has established a comprehensive platform that integrates borrowing, investing, and community engagement, making it a holistic financial partner for its members and differentiating it in the competitive fintech landscape.

Revenue

Revenue, Profit & Income — explained by Jerry the Goat Farmer
Total RevenueEvery single dollar that wanders onto Jerry's farm. Cheese sales, milk money, goat yoga memberships, and that one weird guy who pays $50 to just watch the goats. Jerry doesn't ask questions.
Gross ProfitThe money left after feeding the goats but before reality sets in. Jerry feels rich for exactly 11 minutes.
Net IncomeWhat Jerry actually gets to keep after the Jerrynment, cousin Larry, the feed store, and his ex-wife's lawyer all take their cut. This number is often... humbling.
Using alias: revenuea -> totalRevenue [annual] [income]
Using alias: profita -> grossProfit [annual] [income]
Using alias: incomea -> netIncome [annual] [income]


Data Completeness:
------------------------------------------------------------
  ✅ totalRevenue                        8/8 dates (100%)
  ✅ grossProfit                         8/8 dates (100%)
  ✅ netIncome                           8/8 dates (100%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: totalRevenue, grossProfit, netIncome

               -2.61B                    -1.31B                     0.00B                     1.31B                     2.61B
               |                         |                         |                         |                         |

  2017-12-31 |                                                     |  0.82B
  2018-12-31 |                                                |  0.60B
  2019-12-31 |                                                |  0.44B
  2020-12-31 |                                                 |  0.75B
  2021-12-31 |                                           |  1.09B
  2022-12-31 |                                               |  1.76B
  2023-12-31 |                                               |  2.05B
  2024-12-31 |                                                     | 2.61B

               |                         |                         |                         |                         |
               -2.61B                    -1.31B                     0.00B                     1.31B                     2.61B

Costs

Operating Costs — explained by Jerry the Goat Farmer
Cost of Goods & Services SoldThe unglamorous stuff: hay, feed, vet bills for when Sergio the goat eats another iPhone. These goats don't feed themselves, and they definitely don't apologize.
Selling, General & AdministrativeThe "CHEESE HAPPENS" billboard on the highway, the accountant (cousin Larry, who definitely cheated in Monopoly as a kid), office supplies, and the therapy Jerry needs after dealing with cousin Larry.
Research & DevelopmentJerry's experimental ghost pepper goat cheese that made three customers cry. Also the goat treadmill. The goats refuse to use the goat treadmill.
Using alias: rnda -> researchAndDevelopment [annual] [income]
Using alias: sgaa -> sellingGeneralAndAdministrative [annual] [income]
Using alias: cogsa -> costofGoodsAndServicesSold [annual] [income]


Data Completeness:
------------------------------------------------------------
  ✅ researchAndDevelopment              8/8 dates (100%)
  ✅ sellingGeneralAndAdministrative     8/8 dates (100%)
  ✅ costofGoodsAndServicesSold          8/8 dates (100%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: researchAndDevelopment, sellingGeneralAndAdministrative, costofGoodsAndServicesSold

               -1.09B                    -0.55B                     0.00B                     0.55B                     1.09B
               |                         |                         |                         |                         |

  2017-12-31 |                                                     |  0.15B
  2018-12-31 |                                                     |  0.33B
  2019-12-31 |                                                     |  0.28B
  2020-12-31 |                                                     |  0.24B
  2021-12-31 |                                                     |  0.50B
  2022-12-31 |                                                     |  0.50B
  2023-12-31 |                                                     | 1.09B
  2024-12-31 |                                                    |  0.60B

               |                         |                         |                         |                         |
               -1.09B                    -0.55B                     0.00B                     0.55B                     1.09B

Cash

Cash, Debt & Cash Flow — explained by Jerry the Goat Farmer
Cash & Short-Term InvestmentsThe coffee can buried behind the barn, $47 in a savings account, and some cryptocurrency Jerry bought drunk in 2021. He's afraid to check on it.
Short/Long-Term DebtThe barn loan that'll follow Jerry to the grave (long-term) and the $200 he owes the feed store guy who's starting to give him looks (short-term).
Operating Cash FlowReal cash moving in and out. Not "my customer promised to pay me" money. Actual dollars. Jerry has trust issues now.
Using alias: casha -> cashAndShortTermInvestments [annual] [balance]
Using alias: debta -> shortLongTermDebtTotal [annual] [balance]
Using alias: paychecka -> operatingCashflow [annual] [cashflow]


Data Completeness:
------------------------------------------------------------
  ⚠️  cashAndShortTermInvestments         7/8 dates (88%)
  ⚠️  shortLongTermDebtTotal              7/8 dates (88%)
  ✅ operatingCashflow                   8/8 dates (100%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: cashAndShortTermInvestments, shortLongTermDebtTotal, operatingCashflow

               -7.26B                    -3.63B                     0.00B                     3.63B                     7.26B
               |                         |                         |                         |                         |

  2017-12-31 |                                                     |  0.08B ⊗⊗
  2018-12-31 |                                                     |  1.02B
  2019-12-31 |                                                    |  5.08B
  2020-12-31 |                                                  |  5.07B
  2021-12-31 |                                           |  4.54B
  2022-12-31 | |  -7.26B
  2023-12-31 | |  -7.23B
  2024-12-31 |                                             |  3.20B

               |                         |                         |                         |                         |
               -7.26B                    -3.63B                     0.00B                     3.63B                     7.26B

FCF

Free Cash Flow — explained by Jerry the Goat Farmer
Operating Cash FlowReal cash moving in and out. Not "my customer promised to pay me" money. Actual dollars. Jerry has trust issues now.
Capital ExpendituresBig, expensive purchases Jerry justifies at 2am: the industrial milking machine, new fencing, and a hot tub "for the goats" that somehow only Jerry uses.
Using alias: paychecka -> operatingCashflow [annual] [cashflow]
Using alias: capexa -> capitalExpenditures [annual] [cashflow]


Data Completeness:
------------------------------------------------------------
  ✅ operatingCashflow                   8/8 dates (100%)
  ✅ capitalExpenditures                 8/8 dates (100%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: operatingCashflow, capitalExpenditures

               -7.26B                    -3.63B                     0.00B                     3.63B                     7.26B
               |                         |                         |                         |                         |

  2017-12-31 |                                                     |  0.08B
  2018-12-31 |                                                     |  1.02B
  2019-12-31 |                                                    |  -0.05B
  2020-12-31 |                                                  |  -0.48B
  2021-12-31 |                                           |  -1.35B
  2022-12-31 | |  -7.26B
  2023-12-31 | |  -7.23B
  2024-12-31 |                                             |  -1.12B

               |                         |                         |                         |                         |
               -7.26B                    -3.63B                     0.00B                     3.63B                     7.26B

Assets

Assets, Liabilities & Equity — explained by Jerry the Goat Farmer
🐐 Assets = Liabilities + Equity

Translation: What Jerry owns = What Jerry owes + What's actually Jerry's

Or as Jerry mutters every April during tax season:
"Everything I have equals everything I owe plus whatever scraps are left for me, a humble goat man just trying to make cheese in this cruel world."
Total AssetsEverything Jerry owns: 12 acres of land, a barn that's "rustic" (rotting), 47 goats, Sergio (appraised at $800, priceless to Jerry), the cheese cave, and a 2004 Ford F-150 held together by duct tape and prayer.
Total LiabilitiesEverything Jerry owes: bank loans, the feed store tab, back taxes, and a moral debt to his neighbor for "borrowing" that tractor in 2019. They both know he's not returning it.
Total Shareholder EquityIf Jerry sold absolutely everything, paid off every debt, and finally returned that tractor... this is what he'd have left. His actual net worth. Some days it's a retirement fund. Other days it's "enough for a bus ticket and a fresh start."
Using alias: assetsa -> totalAssets [annual] [balance]
Using alias: liabila -> totalLiabilities [annual] [balance]
Using alias: equitya -> totalShareholderEquity [annual] [balance]


Data Completeness:
------------------------------------------------------------
  ⚠️  totalAssets                         7/8 dates (88%)
  ⚠️  totalLiabilities                    7/8 dates (88%)
  ⚠️  totalShareholderEquity              7/8 dates (88%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: totalAssets, totalLiabilities, totalShareholderEquity

               0.00B                     9.06B                    18.13B                    27.19B                    36.25B
               |                         |                         |                         |                         |

  2018-12-31 |  8.55B
  2019-12-31 |  7.29B
  2020-12-31 |  8.56B
  2021-12-31 |  9.18B
  2022-12-31 |  19.01B
  2023-12-31 |  30.07B
  2024-12-31 |  36.25B

               |                         |                         |                         |                         |
               0.00B                     9.06B                    18.13B                    27.19B                    36.25B

Buffet

Using alias: incomea -> netIncome [annual] [income]
Using alias: debta -> shortLongTermDebtTotal [annual] [balance]
Using alias: equitya -> totalShareholderEquity [annual] [balance]


Data Completeness:
------------------------------------------------------------
  ✅ netIncome                           8/8 dates (100%)
  ⚠️  shortLongTermDebtTotal              7/8 dates (88%)
  ⚠️  totalShareholderEquity              7/8 dates (88%)

Plot for SOFI (in B)
  reports: annualReports
  showing last 25 entries
  Legend: netIncome, shortLongTermDebtTotal, totalShareholderEquity

               -8.55B                    -4.27B                     0.00B                     4.27B                     8.55B
               |                         |                         |                         |                         |

  2017-12-31 |                                                     |  0.05B ⊗⊗
  2018-12-31 |                                                   | 8.55B
  2019-12-31 |                                                    |  5.08B
  2020-12-31 |                                                    |  5.07B
  2021-12-31 |                                                  |  4.70B
  2022-12-31 |                                                   |  5.63B
  2023-12-31 |                                                   |  5.55B
  2024-12-31 |                                                     |  6.53B

               |                         |                         |                         |                         |
               -8.55B                    -4.27B                     0.00B                     4.27B                     8.55B

Revenue-q

Using alias: revenue -> totalRevenue [quarterly] [income]
Using alias: profit -> grossProfit [quarterly] [income]
Using alias: income -> netIncome [quarterly] [income]


Data Completeness:
------------------------------------------------------------
  ✅ totalRevenue                        24/24 dates (100%)
  ✅ grossProfit                         24/24 dates (100%)
  ✅ netIncome                           24/24 dates (100%)

Plot for SOFI (in B)
  reports: quarterlyReports
  showing last 25 entries
  Legend: totalRevenue, grossProfit, netIncome

               -1.27B                    -0.63B                     0.00B                     0.63B                     1.27B
               |                         |                         |                         |                         |

  2019-12-31 |                                                |  0.12B
  2020-03-31 |                                                 |  0.13B
  2020-06-30 |                                                     |  0.16B
  2020-09-30 |                                                   |  0.24B
  2020-12-31 |                                                  |  0.22B
  2021-03-31 |                                              |  0.23B
  2021-06-30 |                                              |  0.26B
  2021-09-30 |                                                    |  0.29B
  2021-12-31 |                                                |  0.30B
  2022-03-31 |                                                |  0.35B
  2022-06-30 |                                                 |  0.39B
  2022-09-30 |                                                  |  0.46B
  2022-12-31 |                                                   |  0.56B
  2023-03-31 |                                                    |  0.61B
  2023-06-30 |                                                   |  0.68B
  2023-09-30 |                                          |  0.76B
  2023-12-31 |                                                     |  0.86B
  2024-03-31 |                                                     |  0.85B
  2024-06-30 |                                                     |  0.86B
  2024-09-30 |                                                     |  0.99B
  2024-12-31 |                                                     |  1.01B
  2025-03-31 |                                                     |  1.04B
  2025-06-30 |                                                     |  1.13B
  2025-09-30 |                                                     | 1.27B

               |                         |                         |                         |                         |
               -1.27B                    -0.63B                     0.00B                     0.63B                     1.27B

Costs-q

Using alias: rnd -> researchAndDevelopment [quarterly] [income]
Using alias: sga -> sellingGeneralAndAdministrative [quarterly] [income]
Using alias: cogs -> costofGoodsAndServicesSold [quarterly] [income]


Data Completeness:
------------------------------------------------------------
  ⚠️  researchAndDevelopment              23/24 dates (96%)
  ✅ sellingGeneralAndAdministrative     24/24 dates (100%)
  ✅ costofGoodsAndServicesSold          24/24 dates (100%)

Plot for SOFI (in M)
  reports: quarterlyReports
  showing last 25 entries
  Legend: researchAndDevelopment, sellingGeneralAndAdministrative, costofGoodsAndServicesSold

               0.00M                    78.91M                    157.82M                   236.73M                   315.65M
               |                         |                         |                         |                         |

  2019-12-31 |  80.75M
  2020-03-31 |  77.54M
  2020-06-30 |  53.40M
  2020-09-30 |  58.77M
  2020-12-31 |  76.10M
  2021-03-31 |  161.70M
  2021-06-30 |  171.22M
  2021-09-30 |  74.43M
  2021-12-31 |  125.16M
  2022-03-31 |  136.50M
  2022-06-30 |  125.83M
  2022-09-30 |  126.20M
  2022-12-31 |  113.77M
  2023-03-31 |  143.96M
  2023-06-30 |  191.49M
  2023-09-30 |  241.14M
  2023-12-31 |  267.69M
  2024-03-31 |  270.38M
  2024-06-30 |  273.65M
  2024-09-30 |  298.38M
  2024-12-31 |  280.64M
  2025-03-31 |  270.76M
  2025-06-30 |  284.60M ⊗
  2025-09-30 |  315.65M

               |                         |                         |                         |                         |
               0.00M                    78.91M                    157.82M                   236.73M                   315.65M

Cash-q

Using alias: cash -> cashAndShortTermInvestments [quarterly] [balance]
Using alias: debt -> shortLongTermDebtTotal [quarterly] [balance]
Using alias: paycheck -> operatingCashflow [quarterly] [cashflow]


Data Completeness:
------------------------------------------------------------
  ⚠️  cashAndShortTermInvestments         23/24 dates (96%)
  ⚠️  shortLongTermDebtTotal              23/24 dates (96%)
  ✅ operatingCashflow                   24/24 dates (100%)

Plot for SOFI (in B)
  reports: quarterlyReports
  showing last 25 entries
  Legend: cashAndShortTermInvestments, shortLongTermDebtTotal, operatingCashflow

               -6.98B                    -3.49B                     0.00B                     3.49B                     6.98B
               |                         |                         |                         |                         |

  2019-12-31 |                                                    |  4.96B
  2020-03-31 |                                                     |  0.27B ⊗⊗
  2020-06-30 |                                                     |  0.12B
  2020-09-30 |                                              |  -0.88B
  2020-12-31 |                                                     |  5.07B
  2021-03-31 |                                                     |  0.34B
  2021-06-30 |                                                   |  2.92B
  2021-09-30 |                                                    |  3.37B
  2021-12-31 |                                            |  4.54B
  2022-03-31 |                                             |  5.12B
  2022-06-30 |                                              |  3.91B
  2022-09-30 |                                |  4.74B
  2022-12-31 |                                   |  5.63B
  2023-03-31 |                                     |  6.63B
  2023-06-30 |                                      | 6.98B
  2023-09-30 |                                 |  6.36B
  2023-12-31 |                                                   |  5.36B
  2024-03-31 |                                                     |  3.69B
  2024-06-30 |                                                 |  3.21B
  2024-09-30 |                                            |  3.28B
  2024-12-31 |                                                    |  3.20B
  2025-03-31 |                                                     |  3.14B
  2025-06-30 |                                          |  4.03B
  2025-09-30 |                                                     |  3.25B

               |                         |                         |                         |                         |
               -6.98B                    -3.49B                     0.00B                     3.49B                     6.98B

FCF-q

Using alias: paycheck -> operatingCashflow [quarterly] [cashflow]
Using alias: capex -> capitalExpenditures [quarterly] [cashflow]


Data Completeness:
------------------------------------------------------------
  ✅ operatingCashflow                   24/24 dates (100%)
  ✅ capitalExpenditures                 24/24 dates (100%)

Plot for SOFI (in B)
  reports: quarterlyReports
  showing last 25 entries
  Legend: operatingCashflow, capitalExpenditures

               -2.88B                    -1.44B                     0.00B                     1.44B                     2.88B
               |                         |                         |                         |                         |

  2019-12-31 |                                                    |  -0.07B
  2020-03-31 |                                                     |  0.27B
  2020-06-30 |                                                     |  0.12B
  2020-09-30 |                                     |  -0.88B
  2020-12-31 |                                                     |  0.01B
  2021-03-31 |                                                     |  0.34B
  2021-06-30 |                                                |  -0.26B
  2021-09-30 |                                                 |  -0.20B
  2021-12-31 |                               |  -1.24B
  2022-03-31 |                                   |  -1.01B
  2022-06-30 |                                    |  -0.95B
  2022-09-30 | |  -2.88B
  2022-12-31 |         |  -2.42B
  2023-03-31 |             |  -2.21B
  2023-06-30 |               |  -2.08B
  2023-09-30 |    |  -2.69B
  2023-12-31 |                                                 |  -0.25B
  2024-03-31 |                                                     |  0.74B
  2024-06-30 |                                            |  -0.48B
  2024-09-30 |                                |  -1.17B
  2024-12-31 |                                                 |  -0.20B
  2025-03-31 |                                                     |  0.05B
  2025-06-30 |                           |  -1.47B
  2025-09-30 |                                                     |  0.07B

               |                         |                         |                         |                         |
               -2.88B                    -1.44B                     0.00B                     1.44B                     2.88B

Assets-q

Using alias: assets -> totalAssets [quarterly] [balance]
Using alias: liabil -> totalLiabilities [quarterly] [balance]
Using alias: equity -> totalShareholderEquity [quarterly] [balance]


Data Completeness:
------------------------------------------------------------
  ⚠️  totalAssets                         23/24 dates (96%)
  ✅ totalLiabilities                    24/24 dates (100%)
  ✅ totalShareholderEquity              24/24 dates (100%)

Plot for SOFI (in B)
  reports: quarterlyReports
  showing last 25 entries
  Legend: totalAssets, totalLiabilities, totalShareholderEquity

               -45.29B                   -22.65B                    0.00B                    22.65B                    45.29B
               |                         |                         |                         |                         |

  2019-12-31 |                                                     |  7.29B
  2020-03-31 |                                                   |  -2.12B ⊗
  2020-06-30 |                                                     |  0.00B
  2020-09-30 |                                                     |  0.00B
  2020-12-31 |                                                     |  8.56B
  2021-03-31 |                                                     |  0.81B
  2021-06-30 |                                                     |  7.65B
  2021-09-30 |                                                     |  8.08B
  2021-12-31 |                                                     |  9.18B
  2022-03-31 |                                                     |  12.25B
  2022-06-30 |                                                     |  12.67B
  2022-09-30 |                                                     |  15.83B
  2022-12-31 |                                                     |  19.01B
  2023-03-31 |                                                     |  22.45B
  2023-06-30 |                                                     |  25.56B
  2023-09-30 |                                                     |  27.98B
  2023-12-31 |                                                     |  30.07B
  2024-03-31 |                                                     |  31.31B
  2024-06-30 |                                                     |  32.64B
  2024-09-30 |                                                     |  34.38B
  2024-12-31 |                                                     |  36.25B
  2025-03-31 |                                                     |  37.75B
  2025-06-30 |                                                     |  41.11B
  2025-09-30 |                                                     | 45.29B

               |                         |                         |                         |                         |
               -45.29B                   -22.65B                    0.00B                    22.65B                    45.29B

Buffet-q

Using alias: income -> netIncome [quarterly] [income]
Using alias: debt -> shortLongTermDebtTotal [quarterly] [balance]
Using alias: equity -> totalShareholderEquity [quarterly] [balance]


Data Completeness:
------------------------------------------------------------
  ✅ netIncome                           24/24 dates (100%)
  ⚠️  shortLongTermDebtTotal              23/24 dates (96%)
  ✅ totalShareholderEquity              24/24 dates (100%)

Plot for SOFI (in B)
  reports: quarterlyReports
  showing last 25 entries
  Legend: netIncome, shortLongTermDebtTotal, totalShareholderEquity

               -8.78B                    -4.39B                     0.00B                     4.39B                     8.78B
               |                         |                         |                         |                         |

  2019-12-31 |                                                    |  4.96B
  2020-03-31 |                                                    |  2.12B ⊗
  2020-06-30 |                                                     |  0.01B
  2020-09-30 |                                                    |  -0.04B
  2020-12-31 |                                                    |  5.07B
  2021-03-31 |                                                    |  0.62B
  2021-06-30 |                                                    |  4.53B
  2021-09-30 |                                                    |  4.57B
  2021-12-31 |                                                    |  4.70B
  2022-03-31 |                                                    |  5.53B
  2022-06-30 |                                                    |  5.51B
  2022-09-30 |                                                    |  5.50B
  2022-12-31 |                                                    |  5.63B
  2023-03-31 |                                                    |  6.63B
  2023-06-30 |                                                    |  6.98B
  2023-09-30 |                                                   |  6.36B
  2023-12-31 |                                                     |  5.55B
  2024-03-31 |                                                     |  6.15B
  2024-06-30 |                                                     |  5.90B
  2024-09-30 |                                                     |  6.12B
  2024-12-31 |                                                     |  6.53B
  2025-03-31 |                                                     |  6.68B
  2025-06-30 |                                                     |  6.86B
  2025-09-30 |                                                     | 8.78B

               |                         |                         |                         |                         |
               -8.78B                    -4.39B                     0.00B                     4.39B                     8.78B

Price History

Volume

Advanced Chart