For the twelve months ended Sep 30, 2026, SoFi Technologies Inc. reported $4.73B of revenue and $737.86M of net income.
SOFI revenue was $1.39B in fiscal Q3 2026 (ended Sep 30, 2026), up 44.0% from a year earlier and up 13.7% from the prior quarter. For the full fiscal 2025 it was $3.61B, up 35.1% from fiscal 2024. Compound annual growth was +44.9% over 5 years. It rose in each of the last 6 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.
SOFI net income was $240.99M in fiscal Q3 2026 (ended Sep 30, 2026), up 72.9% from a year earlier and up 53.9% from the prior quarter. For the full fiscal 2025 it was $481.32M, down 3.5% from fiscal 2024.
SOFI diluted EPS was $0.18 in fiscal Q3 2026 (ended Sep 30, 2026), up 63.6% from a year earlier and up 50.0% from the prior quarter. For the full fiscal 2025 it was $0.39, up 0.0% from fiscal 2024.
SOFI free cash flow was -$3.11B in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$1.37B a year earlier. For the full fiscal 2025 it was -$3.98B, compared with -$1.27B in fiscal 2024.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | $3.61B | $2.67B | $2.12B | $1.57B | $984.87M | $565.53M | $442.66M |
| Cost of revenue | $609.00M | $461.63M | $380.00M | $313.23M | $256.98M | $178.90M | $116.33M |
| Gross profit | $3.00B | $2.21B | $1.74B | $1.26B | $727.89M | $386.64M | $326.33M |
| Research and development | $648.33M | $551.79M | $511.42M | $405.26M | $276.09M | $201.20M | $147.46M |
| Selling, general and admin | $704.44M | $600.09M | $511.01M | $501.62M | $498.53M | $237.38M | $152.28M |
| Interest expense | - | - | $789.33M | $189.28M | $102.78M | $185.61M | $278.36M |
| Pre-tax income | $525.86M | $233.34M | -$301.16M | -$318.72M | -$481.18M | -$328.52M | -$239.60M |
| Income tax | $44.54M | -$265.32M | -$416.0K | $1.69M | $2.76M | -$104.47M | $98.0K |
| Net income | $481.32M | $498.67M | -$300.74M | -$320.41M | -$483.94M | -$224.05M | -$239.70M |
| EPS, basic | $0.42 | $0.46 | -$0.36 | -$0.40 | -$1.00 | -$4.30 | -$4.02 |
| EPS, diluted | $0.39 | $0.39 | -$0.36 | -$0.40 | -$1.00 | -$4.30 | -$4.02 |
| Diluted shares | 1.25B | 1.10B | 945.0M | 900.9M | 526.7M | 73.9M | 65.6M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Cash and equivalents | $4.93B | $2.71B | $3.09B | $1.85B | $768.44M | $1.32B | $690.21M |
| Current assets | - | - | - | - | - | $1.06M | - |
| Goodwill | $1.39B | $1.39B | $1.39B | $1.62B | $898.53M | $899.27M | $15.67M |
| Total assets | $50.66B | $36.25B | $30.07B | $19.01B | $9.18B | $8.56B | - |
| Current liabilities | - | - | - | - | - | $183.4K | - |
| Total debt | $1.82B | $3.09B | $5.23B | $5.49B | $3.95B | $4.80B | - |
| Total liabilities | $40.17B | $29.73B | $24.52B | $13.48B | $4.48B | $5.51B | - |
| Shareholders' equity | $10.49B | $6.53B | $5.23B | $5.21B | $4.38B | -$120.11M | -$339.06M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -$3.74B | -$1.12B | -$7.23B | -$7.26B | -$1.35B | -$479.34M | -$54.73M |
| Capital expenditures | $242.44M | $154.26M | $111.41M | $93.20M | $52.26M | $24.55M | $37.59M |
| Free cash flow | -$3.98B | -$1.27B | -$7.34B | -$7.35B | -$1.40B | -$503.88M | -$92.32M |
| Investing cash flow | -$6.72B | -$4.82B | -$1.89B | -$106.33M | $110.19M | $258.95M | $114.87M |
| Financing cash flow | $13.11B | $5.03B | $10.89B | $8.44B | $684.99M | $853.75M | $93.08M |
| Share repurchases | - | - | $0 | $0 | $526.0K | $40.0K | $8.80M |
| Stock-based compensation | $262.06M | $246.15M | $271.22M | $305.99M | $239.01M | $99.87M | $60.94M |
| Depreciation and amortization | $234.15M | $203.50M | $201.42M | $151.36M | $101.57M | $69.83M | $15.96M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 35.1% | 26.0% | 34.9% | 59.8% | 74.1% | 27.8% | - |
| Net income growth, YoY | -3.5% | - | - | - | - | - | - |
| EPS growth, YoY | 0.0% | - | - | - | - | - | - |
| Gross margin | 83.1% | 82.7% | 82.1% | 80.1% | 73.9% | 68.4% | 73.7% |
| Net margin | 13.3% | 18.6% | -14.2% | -20.4% | -49.1% | -39.6% | -54.1% |
| Free cash flow margin | -110.3% | -47.6% | -345.7% | -467.0% | -142.4% | -89.1% | -20.9% |
| Return on equity | 4.6% | 7.6% | -5.7% | -6.2% | -11.1% | - | - |
| Return on assets | 1.0% | 1.4% | -1.0% | -1.7% | -5.3% | -2.6% | - |
| Current ratio | - | - | - | - | - | 5.78 | - |
| Debt to equity | 0.17 | 0.47 | 1.00 | 1.05 | 0.90 | - | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.39B | $1.22B | $1.10B | $1.03B | $961.60M | $854.94M | $771.76M | $734.13M | $697.12M | $598.62M | $645.00M | $615.40M |
| Cost of revenue | $209.74M | $200.14M | $171.12M | $161.62M | $161.42M | $150.44M | $135.52M | $128.16M | $123.71M | $109.70M | $100.06M | $103.95M |
| Gross profit | $1.18B | $1.02B | $929.25M | $863.43M | $800.18M | $704.51M | $636.24M | $605.97M | $573.41M | $488.92M | $544.93M | $511.46M |
| Research and development | $197.66M | $191.28M | $187.68M | $172.84M | $167.14M | $152.15M | $156.21M | $148.99M | $139.71M | $132.17M | $130.92M | $141.82M |
| Selling, general and admin | $201.12M | $216.80M | $197.58M | $194.24M | $188.41M | $165.39M | $156.40M | $160.92M | $148.92M | $145.01M | $145.24M | $131.69M |
| Interest expense | - | - | - | - | - | - | - | - | - | - | $263.19M | $255.60M |
| Pre-tax income | $317.83M | $204.31M | $199.55M | $185.33M | $148.55M | $112.19M | $79.78M | $59.92M | $63.85M | $15.34M | $94.23M | $51.16M |
| Income tax | $76.84M | $47.72M | $32.82M | $11.78M | $9.16M | $14.93M | $8.67M | -$272.55M | $3.11M | -$2.06M | $6.18M | $3.25M |
| Net income | $240.99M | $156.59M | $166.73M | $173.55M | $139.39M | $97.26M | $71.12M | $332.47M | $60.74M | $17.40M | $88.04M | $47.91M |
| EPS, basic | $0.19 | $0.12 | $0.13 | $0.15 | $0.12 | $0.09 | $0.06 | $0.31 | $0.06 | $0.01 | $0.08 | $0.04 |
| EPS, diluted | $0.18 | $0.12 | $0.12 | $0.14 | $0.11 | $0.08 | $0.06 | $0.31 | $0.05 | $0.01 | $0.02 | $0.04 |
| Diluted shares | 1.36B | 1.35B | 1.38B | - | 1.29B | 1.18B | 1.19B | - | 1.10B | 1.07B | 1.04B | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $2.81B | $3.13B | $3.40B | $4.93B | $3.25B | $2.12B | $2.09B | $2.71B | $2.35B | $2.33B | $3.69B | $3.09B |
| Goodwill | $1.43B | $1.43B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B | $1.39B |
| Total assets | $67.77B | $60.95B | $53.70B | $50.66B | $45.29B | $41.11B | $37.75B | $36.25B | $34.38B | $32.64B | $31.31B | $30.07B |
| Total debt | $3.86B | $3.30B | $1.81B | $1.82B | $2.71B | $3.94B | $3.05B | $3.09B | $3.18B | $3.11B | $2.89B | $5.23B |
| Total liabilities | $56.47B | $49.87B | $42.89B | $40.17B | $36.51B | $34.25B | $31.07B | $29.73B | $28.26B | $26.74B | $25.16B | $24.52B |
| Shareholders' equity | $11.30B | $11.08B | $10.81B | $10.49B | $8.78B | $6.86B | $6.68B | $6.53B | $6.12B | $5.90B | $5.83B | $5.23B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$3.01B | -$3.89B | -$2.31B | -$991.18M | -$1.31B | -$1.47B | $21.50M | -$200.10M | -$1.17B | -$484.37M | $738.25M | -$247.94M |
| Capital expenditures | $101.46M | $96.57M | $67.55M | $66.40M | $59.98M | $63.47M | $52.60M | $42.26M | $43.31M | $36.71M | $31.98M | $34.29M |
| Free cash flow | -$3.11B | -$3.99B | -$2.38B | -$1.06B | -$1.37B | -$1.53B | -$31.10M | -$242.37M | -$1.22B | -$521.08M | $706.26M | -$282.24M |
| Investing cash flow | -$3.08B | -$2.83B | -$2.39B | -$2.10B | -$1.46B | -$1.72B | -$1.44B | -$1.28B | -$84.00M | -$2.19B | -$1.26B | -$1.41B |
| Financing cash flow | $6.12B | $6.53B | $3.11B | $4.70B | $3.80B | $3.19B | $1.43B | $1.22B | $1.50B | $1.26B | $1.06B | $1.98B |
| Stock-based compensation | $70.88M | $76.86M | $72.01M | $68.58M | $66.47M | $63.26M | $63.76M | $66.37M | $63.65M | $61.06M | $55.08M | $69.11M |
| Depreciation and amortization | $81.25M | $73.11M | $67.58M | $62.88M | $59.24M | $56.74M | $55.28M | $53.55M | $51.79M | $49.62M | $48.54M | $53.45M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 44.0% | 42.5% | 42.6% | 39.6% | 37.9% | 42.8% | 19.7% | 19.3% | 29.8% | 20.2% | 36.6% | 34.8% |
| Net income growth, YoY | 72.9% | 61.0% | 134.4% | -47.8% | 129.5% | 458.9% | -19.2% | 593.9% | - | - | - | - |
| EPS growth, YoY | 63.6% | 50.0% | 100.0% | -54.8% | 120.0% | 700.0% | 200.0% | 675.0% | - | - | - | - |
| Gross margin | 84.9% | 83.6% | 84.4% | 84.2% | 83.2% | 82.4% | 82.4% | 82.5% | 82.3% | 81.7% | 84.5% | 83.1% |
| Net margin | 17.4% | 12.8% | 15.2% | 16.9% | 14.5% | 11.4% | 9.2% | 45.3% | 8.7% | 2.9% | 13.7% | 7.8% |
| Free cash flow margin | -224.8% | -327.2% | -216.5% | -103.2% | -142.0% | -179.0% | -4.0% | -33.0% | -174.6% | -87.0% | 109.5% | -45.9% |
| Debt to equity | 0.34 | 0.30 | 0.17 | 0.17 | 0.31 | 0.57 | 0.46 | 0.47 | 0.52 | 0.53 | 0.50 | 1.00 |
Source: XBRL data SoFi Technologies Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| SOFI | $4.73B | +42.3% | $737.86M | 15.6% | $20.94B |
| HOOD | $5.08B | +20.9% | $1.98B | 39.0% | $72.86B |
| UPST | $1.34B | +38.6% | $65.11M | 4.9% | $2.17B |
| TREE | $1.30B | +23.1% | $99.13M | 7.6% | $519.6M |
| NRDS | $884.50M | +11.3% | $53.60M | 6.1% | $504.4M |