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SOFI TECHNOLOGIES, INC.

CIK: 1818874 SIC: 6199
-
Revenue
$481.32M
Net Income
-
Gross Margin
-
Op. Margin
$-5.58B
Free Cash Flow
Financial Statements Annual (10-K)
Showing 5 of 5 annual reports available (2021 - 2025)
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
+ Total Revenue - $619.35M $503.12M $421.45M - -
Revenue Growth % nan% 23.1% 19.4% nan% nan% nan%
Cost of Revenue $609.00M $609.00M $461.63M $380.00M $313.23M $256.98M
+ Gross Profit - $10.36M $41.49M $41.46M - -
Gross Margin % nan% 1.7% 8.2% 9.8% nan% nan%
Research & Development $648.33M $648.33M $551.79M $511.42M $405.26M $276.09M
Interest Expense $1.15B $1.15B $1.12B $789.33M $189.28M $102.78M
Income Before Tax $525.86M $525.86M $233.34M $-301.16M $-318.72M $-481.18M
Income Tax Expense $44.54M $44.54M $-265.32M $-416.00K $1.69M $2.76M
+ Net Income $481.32M $481.32M $498.67M $-300.74M $-320.41M $-483.94M
Net Margin % nan% 77.7% 99.1% -71.4% nan% nan%
Basic EPS 0.42 0.42 0.46 -0.36 -0.40 -1.00
Diluted EPS 0.39 0.39 0.39 -0.36 -0.40 -1.00
Basic Shares Outstanding - 1.15B 1.05B 945.0M 900.9M 526.7M
Diluted Shares Outstanding - 1.25B 1.10B 945.0M 900.9M 526.7M
Breakdown FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
Cash & Cash Equivalents $4.93B $2.54B $3.09B $1.42B $494.71M
Accounts Receivable $893.48M $587.50M - - -
Goodwill $1.39B $1.39B $1.39B $1.62B $898.53M
Intangible Assets $231.92M $297.79M $364.05M $442.15M $284.58M
Total Assets $50.66B $36.25B $30.07B $19.01B $9.18B
Deferred Revenue $8.54M $7.47M - - -
Total Liabilities $40.17B $29.73B $24.52B $13.48B $4.48B
Common Stock $126.00K $109.00K $97.00K $93.00K $83.00K
Retained Earnings $-824.28M $-1.31B $-1.80B $-1.50B $-1.18B
Total Stockholders Equity $10.49B $6.53B $5.23B $5.21B $4.38B
Total Liabilities & Equity $50.66B $36.25B $30.07B $19.01B $9.18B
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
Net Income $481.32M $481.32M $498.67M $-300.74M $-320.41M $-483.94M
Depreciation & Amortization $401.46M $234.15M $203.50M $201.42M $151.36M $101.57M
Stock-based Compensation $452.83M $262.06M $246.15M $271.22M $305.99M $239.01M
Deferred Income Tax $44.15M $16.19M $-286.92M $-15.83M $-3.50M $1.20M
Operating Cash Flow $-5.17B $-3.74B $-1.12B $-7.23B $-7.26B $-1.35B
Capital Expenditure $411.12M $242.44M $154.26M $111.41M $93.20M $52.26M
Acquisitions - - - $72.30M $-58.54M -
Sales of Investments $907.40M $549.55M $807.80M $153.83M $15.24M $4.80M
Investing Cash Flow $-11.32B $-6.72B $-4.82B $-1.89B $-106.33M $110.19M
Debt Repayment - - - - - $10.43B
Stock Issued - $3.19B - - - -
Stock Repurchased - - - - - $526.00K
Financing Cash Flow $19.15B $13.11B $5.03B $10.89B $8.44B $684.99M
Net Change in Cash $2.66B $2.65B $-906.22M $1.77B $1.08B $-554.99M
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Cost of Revenue $161.42M $123.71M $447.38M $333.48M
Research & Development $167.14M $139.71M $475.50M $402.80M
Interest Expense $306.45M $292.36M $846.10M $817.57M
Income Before Tax $148.55M $63.85M $340.52M $173.42M
Income Tax Expense $9.16M $3.11M $32.75M $7.23M
Net Income $139.39M $60.74M $307.77M $166.19M
Basic EPS 0.12 0.06 0.27 0.14
Diluted EPS 0.11 0.05 0.25 0.08
Basic Shares Outstanding $1.17B $1.07B $1.13B $1.04B
Diluted Shares Outstanding $1.29B $1.10B $1.22B $1.08B
Condensed Consolidated Balance Sheets
Description Sep 30, 2025 Dec 31, 2024
Cash & Cash Equivalents $3.25B $2.54B
Goodwill $1.39B $1.39B
Intangible Assets $247.84M $297.79M
Total Assets $45.29B $36.25B
Total Liabilities $36.51B $29.73B
Common Stock $120.00K $109.00K
Retained Earnings $-997.83M $-1.31B
Total Stockholders Equity $8.78B $6.53B
Total Liabilities & Equity $45.29B $36.25B
Condensed Consolidated Statements of Cash Flows
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Net Income $139.39M $60.74M $307.77M $166.19M
Depreciation & Amortization - - $171.27M $149.95M
Stock-based Compensation - - $193.48M $179.78M
Deferred Income Tax - - $26.56M $-2.93M
Operating Cash Flow - - $-2.75B $-919.70M
Capital Expenditure - - $176.05M $112.00M
Sales of Investments - - $339.01M $616.45M
Investing Cash Flow - - $-4.62B $-3.54B
Stock Issued - - $1.70B -
Financing Cash Flow - - $8.41B $3.81B
Net Change in Cash - - $1.04B $-645.82M

All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.

Annual data represents full fiscal year results. FY = Fiscal Year ending.

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