The Filings Report

SoFi Technologies, Inc. Common Stock

SOFINasdaqCIK 1818874Financial / Credit Servicesfiscal year ends December25 quarters since 2020

Revenue, Q2 FY2026
$154M
+1.1% on Q2 FY2025
Net income
$157M
+61.0% on Q2 FY2025
Free cash flow
−$4.0B
−160.5% on Q2 FY2025
Diluted EPS
$0.12
+50.0% on Q2 FY2025
Revenue, TTM
$610M
trailing four quarters
Net margin, TTM
104.3%
net income $636M
Free cash flow, TTM
−$8.8B
−$8.5B less $290M capex
Cash and equivalents
$3.1B
long-term debt —, Jun 30, 2026
Shares, 12-month change
+7.9%
1.29B shares, Jun 30, 2026
Buybacks, TTM
—
no yield
Dividends, TTM
—
no yield
Market value
$21.6B
at the close, buybacks

Latest quarter Q2 FY2026, filed August 6, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.

In Q2 FY2026, the quarter ended June 30, 2026, SoFi Technologies, Inc. Common Stock reported revenue of $154M, +1.1% on Q2 FY2025, and net income of $157M (+61.0%). Free cash flow, operating cash flow less capital expenditures, was −$4.0B (−$3.9B less $97M). Diluted earnings per share were $0.12.

The last 16 quarters

Q3 FY2022 to Q2 FY2026, through the filing of August 6, 2026.

Revenue and net incomeRevenueNet income
−$400M−$200M$0$200M$400MQ3'22, Revenue: $102MQ3'22, Net income: −$74MQ3'22Q4'22, Revenue: $100MQ4'22, Net income: −$40MQ4'22Q1'23, Revenue: $95MQ1'23, Net income: −$34MQ1'23Q2'23, Revenue: $105MQ2'23, Net income: −$48MQ2'23Q3'23, Revenue: $105MQ3'23, Net income: −$267MQ3'23Q4'23, Revenue: $116MQ4'23, Net income: $48MQ4'23Q1'24, Revenue: $116MQ1'24, Net income: $88MQ1'24Q2'24, Revenue: $121MQ2'24, Net income: $17MQ2'24Q3'24, Revenue: $131MQ3'24, Net income: $61MQ3'24Q4'24, Revenue: $136MQ4'24, Net income: $332MQ4'24Q1'25, Revenue: $140MQ1'25, Net income: $71MQ1'25Q2'25, Revenue: $152MQ2'25, Net income: $97MQ2'25Q3'25, Revenue: $157MQ3'25, Net income: $139MQ3'25Q4'25, Revenue: $170MQ4'25, Net income: $174MQ4'25Q1'26, Revenue: $130MQ1'26, Net income: $167MQ1'26Q2'26, Revenue: $154MQ2'26, Net income: $157MQ2'26−$400M−$200M$0$200M$400MQ3'22, Revenue: $102MQ3'22, Net income: −$74MQ4'22, Revenue: $100MQ4'22, Net income: −$40MQ4'22Q1'23, Revenue: $95MQ1'23, Net income: −$34MQ2'23, Revenue: $105MQ2'23, Net income: −$48MQ2'23Q3'23, Revenue: $105MQ3'23, Net income: −$267MQ4'23, Revenue: $116MQ4'23, Net income: $48MQ4'23Q1'24, Revenue: $116MQ1'24, Net income: $88MQ2'24, Revenue: $121MQ2'24, Net income: $17MQ2'24Q3'24, Revenue: $131MQ3'24, Net income: $61MQ4'24, Revenue: $136MQ4'24, Net income: $332MQ4'24Q1'25, Revenue: $140MQ1'25, Net income: $71MQ2'25, Revenue: $152MQ2'25, Net income: $97MQ2'25Q3'25, Revenue: $157MQ3'25, Net income: $139MQ4'25, Revenue: $170MQ4'25, Net income: $174MQ4'25Q1'26, Revenue: $130MQ1'26, Net income: $167MQ2'26, Revenue: $154MQ2'26, Net income: $157MQ2'26

Net income losses drawn in red.

Free cash flow
−$4B−$2B$0$2BQ3'22, Free cash flow: −$2.9BQ3'22Q4'22, Free cash flow: −$2.4BQ4'22Q1'23, Free cash flow: −$2.2BQ1'23Q2'23, Free cash flow: −$2.1BQ2'23Q3'23, Free cash flow: −$2.7BQ3'23Q4'23, Free cash flow: −$282MQ4'23Q1'24, Free cash flow: $706MQ1'24Q2'24, Free cash flow: −$521MQ2'24Q3'24, Free cash flow: −$1.2BQ3'24Q4'24, Free cash flow: −$242MQ4'24Q1'25, Free cash flow: −$31MQ1'25Q2'25, Free cash flow: −$1.5BQ2'25Q3'25, Free cash flow: −$1.4BQ3'25Q4'25, Free cash flow: −$1.1BQ4'25Q1'26, Free cash flow: −$2.4BQ1'26Q2'26, Free cash flow: −$4.0BQ2'26−$4B−$2B$0$2BQ3'22, Free cash flow: −$2.9BQ4'22, Free cash flow: −$2.4BQ4'22Q1'23, Free cash flow: −$2.2BQ2'23, Free cash flow: −$2.1BQ2'23Q3'23, Free cash flow: −$2.7BQ4'23, Free cash flow: −$282MQ4'23Q1'24, Free cash flow: $706MQ2'24, Free cash flow: −$521MQ2'24Q3'24, Free cash flow: −$1.2BQ4'24, Free cash flow: −$242MQ4'24Q1'25, Free cash flow: −$31MQ2'25, Free cash flow: −$1.5BQ2'25Q3'25, Free cash flow: −$1.4BQ4'25, Free cash flow: −$1.1BQ4'25Q1'26, Free cash flow: −$2.4BQ2'26, Free cash flow: −$4.0BQ2'26

Operating cash flow less capital expenditures; negative quarters in red.

Cash and equivalents against long-term debtCash and equivalentsLong-term debt
$0$2B$4B$6BQ3'22, Cash and equivalents: $935MQ3'22, Long-term debt: $4.6BQ3'22Q4'22, Cash and equivalents: $1.4BQ4'22, Long-term debt: $5.5BQ4'22Q1'23, Cash and equivalents: $2.5BQ1'23Q2'23, Cash and equivalents: $3.0BQ2'23Q3'23, Cash and equivalents: $2.8BQ3'23Q4'23, Cash and equivalents: $3.1BQ4'23Q1'24, Cash and equivalents: $3.7BQ1'24Q2'24, Cash and equivalents: $2.3BQ2'24Q3'24, Cash and equivalents: $2.4BQ3'24Q4'24, Cash and equivalents: $2.5BQ4'24Q1'25, Cash and equivalents: $2.1BQ1'25Q2'25, Cash and equivalents: $2.1BQ2'25Q3'25, Cash and equivalents: $3.2BQ3'25Q4'25, Cash and equivalents: $4.9BQ4'25Q1'26, Cash and equivalents: $3.4BQ1'26Q2'26, Cash and equivalents: $3.1BQ2'26$0$2B$4B$6BQ3'22, Cash and equivalents: $935MQ3'22, Long-term debt: $4.6BQ4'22, Cash and equivalents: $1.4BQ4'22, Long-term debt: $5.5BQ4'22Q1'23, Cash and equivalents: $2.5BQ2'23, Cash and equivalents: $3.0BQ2'23Q3'23, Cash and equivalents: $2.8BQ4'23, Cash and equivalents: $3.1BQ4'23Q1'24, Cash and equivalents: $3.7BQ2'24, Cash and equivalents: $2.3BQ2'24Q3'24, Cash and equivalents: $2.4BQ4'24, Cash and equivalents: $2.5BQ4'24Q1'25, Cash and equivalents: $2.1BQ2'25, Cash and equivalents: $2.1BQ2'25Q3'25, Cash and equivalents: $3.2BQ4'25, Cash and equivalents: $4.9BQ4'25Q1'26, Cash and equivalents: $3.4BQ2'26, Cash and equivalents: $3.1BQ2'26

Positions at each quarter end, as filed; short-term investments are not included.

Income statement

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

SoFi Technologies, Inc. Common Stock income statement, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Feb 17, 2026Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025Q1 FY2025ended Mar 31, 2025filed May 6, 2025Q4 FY2024ended Dec 31, 2024filed Feb 24, 2025Q3 FY2024ended Sep 30, 2024filed Nov 7, 2024YoYQ2 FY2026vs Q2 FY2025
Revenue154130170157152140136131+1.1%
Cost of revenue200171162161150136128124+33.0%
Gross profit—————————
Research and development191188173167152156149140+25.7%
Selling, general and administrative217198194188165156161149+31.1%
Operating income—————————
Other income (expense)—————————
Pretax income204200185149112806064+82.1%
Income tax4833129159(273)3+219.6%
Net income157167174139977133261+61.0%
Diluted EPS ($)0.120.12—0.110.080.06—0.05+50.0%
Diluted shares (millions)1,3521,378—1,2911,1831,185—1,104—

Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.

Balance sheet

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

SoFi Technologies, Inc. Common Stock balance sheet, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Feb 17, 2026Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025Q1 FY2025ended Mar 31, 2025filed May 6, 2025Q4 FY2024ended Dec 31, 2024filed Feb 24, 2025Q3 FY2024ended Sep 30, 2024filed Nov 7, 2024YoYQ2 FY2026vs Q2 FY2025
Cash and equivalents3,1263,4014,9293,2462,1232,0862,5382,355+47.3%
Short-term investments—————————
Total current assets—————————
Total assets60,94853,69850,66045,29341,11237,74936,25134,380+48.2%
Total current liabilities—————————
Long-term debt—————————
Total liabilities49,87142,88740,17136,51334,25231,07129,72628,259+45.6%
Stockholders’ equity11,07610,81210,4898,7806,8616,6796,5256,121+61.4%
Shares outstanding (millions)1,2921,2831,2751,2061,1971,1051,0971,085—

Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.

Cash flow statement

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

SoFi Technologies, Inc. Common Stock cash flow statement, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Feb 17, 2026Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025Q1 FY2025ended Mar 31, 2025filed May 6, 2025Q4 FY2024ended Dec 31, 2024filed Feb 24, 2025Q3 FY2024ended Sep 30, 2024filed Nov 7, 2024YoYQ2 FY2026vs Q2 FY2025
Operating cash flow(3,890)(2,315)(991)(1,306)(1,467)22(200)(1,174)−165.2%
Capital expenditures9768666063534243+52.2%
Free cash flow (CFO − capex)(3,987)(2,383)(1,058)(1,366)(1,530)(31)(242)(1,217)−160.5%
Depreciation and amortization7368635957555452+28.8%
Share repurchases—————————
Dividends paid—————————

10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.

Annual statements

Every fiscal year filed, newest first, through FY2025 filed February 17, 2026.

Income statement

SoFi Technologies, Inc. Common Stock income statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 17, 2026FY2024ended Dec 31, 2024filed Feb 24, 2025FY2023ended Dec 31, 2023filed Feb 27, 2024FY2022ended Dec 31, 2022filed Mar 1, 2023FY2021ended Dec 31, 2021filed Mar 1, 2022FY2020ended Dec 31, 2020filed Mar 17, 2021FY2019ended Dec 31, 2019filed Aug 16, 2021
Revenue6195034213772481035
Cost of revenue609462380313257179116
Gross profit———————
Research and development648552511405276201147
Selling, general and administrative704600511502499237152
Operating income———————
Other income (expense)———————
Pretax income526233(301)(319)(481)(329)(240)
Income tax45(265)023(104)0
Net income481499(301)(320)(484)(224)(240)
Diluted EPS ($)0.390.39(0.36)(0.40)(1.00)(4.30)(4.02)
Diluted shares (millions)1,2521,1019459015277466

Balance sheet

SoFi Technologies, Inc. Common Stock balance sheet, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 17, 2026FY2024ended Dec 31, 2024filed Feb 24, 2025FY2023ended Dec 31, 2023filed Feb 27, 2024FY2022ended Dec 31, 2022filed Mar 1, 2023FY2021ended Dec 31, 2021filed Mar 1, 2022FY2020ended Dec 31, 2020filed Mar 17, 2021FY2019ended Dec 31, 2019filed Aug 16, 2021
Cash and equivalents4,9292,5383,0851,422495873499
Short-term investments———————
Total current assets—————1—
Total assets50,66036,25130,07519,0089,1768,563—
Total current liabilities—————0—
Long-term debt———5,4863,9484,799—
Total liabilities40,17129,72624,52013,4794,4795,510—
Stockholders’ equity10,4896,5255,2355,2084,377(120)(339)
Shares outstanding (millions)1,2751,097977935829——

Cash flow statement

SoFi Technologies, Inc. Common Stock cash flow statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Feb 17, 2026FY2024ended Dec 31, 2024filed Feb 24, 2025FY2023ended Dec 31, 2023filed Feb 27, 2024FY2022ended Dec 31, 2022filed Mar 1, 2023FY2021ended Dec 31, 2021filed Mar 1, 2022FY2020ended Dec 31, 2020filed Mar 17, 2021FY2019ended Dec 31, 2019filed Aug 16, 2021
Operating cash flow(3,742)(1,120)(7,227)(7,256)(1,350)(479)(55)
Capital expenditures24215411193522538
Free cash flow (CFO − capex)(3,985)(1,274)(7,339)(7,349)(1,402)(504)(92)
Depreciation and amortization2342032011511027016
Share repurchases——00109
Dividends paid———————

Insider activity

Form 4 filings by officers, directors and 10% owners, November 1, 2024 to November 1, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.

Bought, three months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, three months
$853K
4 sales by 2 insiders; officers and directors $853K
Bought, twelve months
$2M
7 purchases by 3 insiders; officers and directors $2M
Sold, twelve months
$12M
19 sales by 5 insiders; officers and directors $12M

The last 25 transactions

TradedInsiderRoleTransactionSharesPriceValueHeld afterFiled
Oct 20, 2026Keough KelliEVP, GBUL, SIPSopen-market sale10b5-110,203$14.72$150K397,870Oct 22, 2026
Sep 21, 2026Keough KelliEVP, GBUL, SIPSopen-market sale10b5-110,203$16.99$173K408,073Sep 23, 2026
Sep 21, 2026Rishel JeremyChief Technology Officeropen-market sale10b5-118,624$17.50$326K912,650Sep 23, 2026
Sep 15, 2026Keough KelliEVP, GBUL, SIPStax withholding66,033$17.28$1M418,276Sep 16, 2026
Sep 15, 2026Lavet Robert SGeneral Counseltax withholding14,414$17.28$249K109,843Sep 16, 2026
Sep 15, 2026Pinto ArunChief Risk Officertax withholding11,838$17.28$205K228,623Sep 16, 2026
Sep 15, 2026Rishel JeremyChief Technology Officertax withholding41,750$17.28$721K931,274Sep 16, 2026
Sep 15, 2026Schuppenhauer EricEVP GBUL Borrowtax withholding2,757$17.28$48K334,336Sep 16, 2026
Sep 14, 2026Keough KelliEVP, GBUL, SIPSoption exercise82,643——439,085Sep 16, 2026
Sep 14, 2026Keough KelliEVP, GBUL, SIPSoption exercise26,476——465,561Sep 16, 2026
Sep 14, 2026Keough KelliEVP, GBUL, SIPSoption exercise13,067——478,628Sep 16, 2026
Sep 14, 2026Keough KelliEVP, GBUL, SIPSoption exercise5,681——484,309Sep 16, 2026
Sep 14, 2026Lapointe ChristopherCFO and PAOoption exercise52,954——2MSep 16, 2026
Sep 14, 2026Lapointe ChristopherCFO and PAOoption exercise36,589——2MSep 16, 2026
Sep 14, 2026Lapointe ChristopherCFO and PAOoption exercise14,609——2MSep 16, 2026
Sep 14, 2026Lapointe ChristopherCFO and PAOtax withholding59,341$17.32$1M2MSep 16, 2026
Sep 14, 2026Lavet Robert SGeneral Counseloption exercise36,057——124,257Sep 16, 2026
Sep 14, 2026Noto AnthonyChief Executive Officer, Directoroption exercise136,166——12MSep 16, 2026
Sep 14, 2026Noto AnthonyChief Executive Officer, Directoroption exercise154,197——12MSep 16, 2026
Sep 14, 2026Noto AnthonyChief Executive Officer, Directoroption exercise55,191——12MSep 16, 2026
Sep 14, 2026Noto AnthonyChief Executive Officer, Directortax withholding188,259$17.32$3M12MSep 16, 2026
Sep 14, 2026Pinto ArunChief Risk Officeroption exercise11,434——230,721Sep 16, 2026
Sep 14, 2026Pinto ArunChief Risk Officeroption exercise9,740——240,461Sep 16, 2026
Sep 14, 2026Rishel JeremyChief Technology Officeroption exercise37,824——932,913Sep 16, 2026
Sep 14, 2026Rishel JeremyChief Technology Officeroption exercise28,748——961,661Sep 16, 2026

Full insider history for SoFi Technologies, Inc. Common Stock, or insider activity across all companies. A record of filings, not a recommendation.

Sources

Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.

Filer
SoFi Technologies, Inc., CIK 1818874 on EDGAR
Extract generated
November 1, 2026
Withheld
none
Repaired
1 quarters where a full-year figure was filed in a quarter slot and the quarter was rebuilt: income tax FY2023
XBRL concepts behind each line

Income statement

Revenue: RevenueFromContractWithCustomerExcludingAssessedTax
Cost of revenue: CostOfGoodsAndServicesSold, CostOfRevenue
Gross profit: not filed
Research and development: ResearchAndDevelopmentExpense
Selling, general and administrative: GeneralAndAdministrativeExpense
Operating income: OperatingIncomeLoss
Other income (expense): OtherNonoperatingIncomeExpense
Pretax income: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
Income tax: IncomeTaxExpenseBenefit
Net income: NetIncomeLoss
Diluted EPS ($): EarningsPerShareDiluted
Diluted shares (millions): WeightedAverageNumberOfDilutedSharesOutstanding

Balance sheet

Cash and equivalents: CashAndCashEquivalentsAtCarryingValue
Short-term investments: not filed
Total current assets: AssetsCurrent
Total assets: Assets
Total current liabilities: LiabilitiesCurrent
Long-term debt: LongTermDebt
Total liabilities: Liabilities
Stockholders’ equity: StockholdersEquity
Shares outstanding (millions): dei:EntityCommonStockSharesOutstanding

Cash flow statement

Operating cash flow: NetCashProvidedByUsedInOperatingActivities
Capital expenditures: PaymentsToAcquireProductiveAssets
Free cash flow (CFO − capex): not filed
Depreciation and amortization: DepreciationDepletionAndAmortization
Share repurchases: PaymentsForRepurchaseOfCommonStock
Dividends paid: not filed

The data

The statements on this page as files, generated November 1, 2026.

JSON file
/data/financials/SOFI.json