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NASDAQ · Financial Services · Financials

SoFi Technologies, Inc. (SOFI) financial statements and cash flow.

Revenue, profitability, balance-sheet strength, and cash generation for SOFI. Market data source · as of 2026-06-30.

Section freshness

Price Aug 19, 1:40 PM EDT · Statements Jun 29, 8:00 PM EDT

Financial read

SOFI latest financial snapshot.

Start with the latest reported values below. Deeper quarterly and annual statement tables follow when supplied.

Revenue

$153.58M

+1.1% YoY

Net income

$156.59M

-6.1% QoQ

Net margin

101.96%

Balance sheet coverage

SOFI balance sheet summary

Assets, liabilities, liquidity, debt, and equity sit beside income and cash-flow tables so the statement history reads as one model-ready dataset.

20 quarterly · 4 annual rows · Market data source · as of 2026-06-30

Open balance sheet table

Latest period

Q2 FY2026

20 quarterly · 4 annual rows

Assets / liabilities

$60.95B

Liabilities $49.87B

Cash / debt

$3.13B

Net cash —

Equity / working capital

$11.08B

Working capital —

Financial statements

SOFI statement coverage.

Income statement, balance sheet, and cash-flow figures for SOFI, with quarterly and annual history in the tables below.

Data last updated

Jun 29, 2026

Income periods

Balance-sheet periods

Cash-flow periods

Quarterly and annual SOFI statements, sourced from Market data source · as of 2026-06-30.

Financial statement period

SOFI statement history

Market data source · as of 2026-06-30 · Data last updated: Jun 29, 2026

ProfitabilityIncome statementRevenue, expenses, margins, and income quality20 quarterly periods Capital structureBalance sheetAssets, liabilities, debt, equity, and share count20 quarterly periods Cash generationCash flowOperating cash flow, CapEx, FCF, buybacks, and dividends20 quarterly periods

Income statement

Quarterly and annual rows for revenue, operating leverage, earnings quality, and margin direction.

8 / 20 Quarterly

Period	Revenue	Net income	Net margin	Revenue QoQ	Net income QoQ
Q2 FY2026	$153.58M	$156.59M	101.96%	+18.6%	-6.1%
Q1 FY2026	$129.50M	$166.73M	128.75%	-24.0%	-3.9%
Q4 FY2025	$170.29M	$173.55M	101.91%	+8.6%	+24.5%
Q3 FY2025	$156.79M	$139.39M	88.90%	+3.2%	+43.3%
Q2 FY2025	$151.89M	$97.26M	64.04%	+8.2%	+36.8%
Q1 FY2025	$140.38M	$71.12M	50.66%	+3.6%	-78.6%
Q4 FY2024	$135.51M	$332.47M	245.35%	+3.3%	+447.3%
Q3 FY2024	$131.22M	$60.74M	46.29%	+8.6%	+249.0%

Balance sheet

Balance-sheet history for assets, liabilities, liquidity, debt, equity, and shares outstanding.

8 / 20 Quarterly

Period	Cash	Total assets	Total liabilities	Total equity
Q2 FY2026	$3.13B	$60.95B	$49.87B	$11.08B
Q1 FY2026	$3.40B	$53.70B	$42.89B	$10.81B
Q4 FY2025	$4.93B	$50.66B	$40.17B	$10.49B
Q3 FY2025	$3.25B	$45.29B	$36.51B	$8.78B
Q2 FY2025	$2.12B	$41.11B	$34.25B	$6.86B
Q1 FY2025	$2.09B	$37.75B	$31.07B	$6.68B
Q4 FY2024	$2.54B	$36.25B	$29.73B	$6.53B
Q3 FY2024	$2.35B	$34.38B	$28.26B	$6.12B

Cash flow

Operating cash generation, capital expenditure, free cash flow, buybacks, dividends, and cash movement.

8 / 20 Quarterly

Period	Operating cash flow	Net income
Q2 FY2026	-$3.89B	$156.59M
Q1 FY2026	-$2.31B	$166.73M
Q4 FY2025	-$991.18M	$173.55M
Q3 FY2025	-$1.31B	$139.39M
Q2 FY2025	-$1.47B	$97.26M
Q1 FY2025	$21.50M	$71.12M
Q4 FY2024	-$200.10M	$332.47M
Q3 FY2024	-$1.17B	$60.74M

Valuation and returns

Enterprise value: $23.37B; Market data source

Return on equity: 6.18%; Market data source

Return on assets: 1.04%; Market data source

Debt / equity: 0.31; Current ratio 0.16

Ratio values use provider-attributed fields when available and otherwise fall back to TECHi statement math from the visible rows on this page.

Annual revenue and income multiples

Annual sales and income multiple reads use the latest annual statement when available, then fall back to trailing-twelve-month statement math from the visible quarterly rows.

Annual revenue base: $619.35M; Annual statement 2025-12-31

Annual income base: $481.32M; Annual statement 2025-12-31

Market cap / annual revenue: 38.37; Live market value divided by annual revenue

Market cap / annual income: 49.37; Live market value divided by annual net income

Annual sales and income multiple

EV / annual revenue37.73

Market capitalization bridge

Market cap / annual revenue38.37

Market cap / annual income49.37

TTM valuation multiples

TTM revenue: $610.16M; Trailing twelve months

Market cap / TTM revenue: 38.95; Live market value divided by trailing twelve months revenue

EV / TTM revenue: 38.30; Enterprise value divided by trailing twelve months revenue

Live market value is matched against trailing-twelve-month statement bases first so the multiple moves with the tape instead of anchoring to stale fiscal-year rows.

Profit multiples

Market cap / TTM net income37.35

Revenue, net income, and free cash flow

Revenue$153.58MNet income$156.59M

Q1 FY2025Q4 FY2025Q2 FY2026

Quarterly statement rows, shown on one common dollar scale so margin compression and cash conversion stand out quickly.

Efficiency

Revenue / employee: $100,026.557; 6,100 employees

Net income / employee: $104,305.574; TTM net income divided by employees

Market cap / employee: $3.90M; Live value per employee

Growth vs cost pressure

Revenue growth YoY+1.1%

Quarterly margin heatmap

Gross margin

Q1 FY2025

—

Q2 FY2025

—

Q3 FY2025

—

Q4 FY2025

—

Q1 FY2026

—

Q2 FY2026

—

Operating margin

Q1 FY2025

—

Q2 FY2025

—

Q3 FY2025

—

Q4 FY2025

—

Q1 FY2026

—

Q2 FY2026

—

Net margin

Q1 FY2025

50.66%

Q2 FY2025

64.04%

Q3 FY2025

88.90%

Q4 FY2025

101.91%

Q1 FY2026

128.75%

Q2 FY2026

101.96%

Latest quarter expense mix

Cost of revenue$200.14M

R&D$191.28M

Profit bridge

Pretax income$204.31M

Tax expense$47.72M

Other income statement lines

Income before tax$204.31M

Income tax expense$47.72M

Balance sheet · Q2 FY2026

Cash & equivalents: $3.13B

Total equity: $11.08B

Cash generation

Operating cash flow: -$3.89B

Cash-flow detail

Depreciation & amortization: $73.11M

Investing cash flow: -$2.83B

Financing cash flow: $6.53B

Stock issuance: $231,000; Common stock issued

Net buybacks: -$231,000; Repurchases less stock issuance

Frequently asked

Common questions.

What financial data is available for SOFI?

The SOFI Financials page renders only the current income-statement, balance-sheet, cash-flow, or fund rows supplied for SoFi Technologies, Inc.. Missing modules and empty line items are omitted.

How current are SOFI's financial statements?

Each visible statement row keeps its reported period and provider attribution. The route redirects to the main quote when no usable financial or fund data remains.

What is SoFi Technologies, Inc.'s reported net margin?

SoFi Technologies, Inc.'s fresh reported margin field is 11.40%. The Financials page shows the supporting period data currently available for SOFI.