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Cash Flow Overview
Free Cash flow
-$3,987,017K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in deposits
Net change in debt facilities
Changes in loans previously clas...
Others
Negative Cash Flow Breakdown
Changes in loans held for sale, ...
Other changes in loans held for ...
Purchases of available-for-sale ...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
156,592
166,731
173,549
139,392
Share-based compensation expense
76,865
72,012
68,577
66,469
Depreciation and amortization
73,106
67,578
62,880
59,245
Goodwill impairment
-
-
0
-
Deferred debt issuance and discount expense
2,747
2,898
2,968
3,000
Gain on extinguishment of convertible debt
-
-
0
0
Provision for credit losses
13,755
8,895
5,407
9,199
Deferred income taxes
33,728
28,897
-10,370
7,389
Fair value changes in loans held for investment
-39,493
39,715
80,493
51,868
Fair value changes in securitization investments
472
220
381
445
Other
-7,744
3,402
-4,363
-7,621
Changes in loans held for sale, net
4,339,089
2,661,367
1,288,779
1,538,381
Changes in accrued interest on loans
35,530
24,317
24,474
3,461
Changes in loans previously classified as held for sale, net
-210,123
-227,274
-200,014
-159,570
Changes in servicing assets
-3,585
-10,275
-5,347
8,519
Changes in other assets
239,318
136,682
79,451
227,300
Changes in other liabilities
106,227
-33,851
-30,335
72,215
Net cash used in operating activities
-3,890,444
-2,314,994
-991,178
-1,305,874
Purchases of property, equipment and software
96,573
67,551
66,397
59,978
Capitalized software development costs
1,067
1,226
1,322
3,180
Purchases of available-for-sale investments
1,133,718
1,379,614
543,841
270,862
Proceeds from sales of available-for-sale investments
0
605,815
272,494
44,711
Proceeds from maturities and paydowns of available-for-sale investments
178,543
167,321
210,542
101,293
Purchases of loans held for investment
0
86,908
643,146
1,439,681
Proceeds from sales of loans held for investment
-
-
0
392,607
Other changes in loans held for investment, net
1,734,207
1,649,112
1,339,932
241,387
Proceeds from securitization investments
32,315
24,135
28,668
20,589
Proceeds from non-securitization investments
752
956
25,563
6,749
Purchases of non-securitization investments
12,009
8,150
39,581
10,325
Acquisition of businesses, net of cash acquired
64,898
-
0
-
Net cash used in investing activities
-2,830,862
-2,394,334
-2,096,952
-1,459,464
Net change in deposits
4,968,455
3,034,493
4,147,211
3,334,880
Net change in stablecoin liability outstanding
52,484
-
-
-
Proceeds from issuance of common stock
0
87,387
1,485,273
1,688,581
Payment of common stock issuance costs
0
115
1,658
1,620
Net change in debt facilities
1,488,307
0
-897,515
-1,227,384
Proceeds from other debt issuances
-
-
0
0
Repayment of other debt
3,053
3,204
4,006
2,896
Payment of debt issuance costs
925
250
975
1,612
Purchase of capped calls
-
-
0
0
Unwind of capped calls
-
-
0
0
Taxes paid related to net share settlement of share-based awards
4,081
5,895
45,137
9,958
Proceeds from stock option exercises
231
2,366
288
5,852
Proceeds from issuance of common stock under the espp
24,332
-
14,469
11,764
Payment of redeemable preferred stock dividends
-
-
0
0
Redemption of series 1 preferred stock
-
-
0
0
Finance lease principal payments
204
202
199
197
Net cash provided by financing activities
6,525,546
3,114,580
4,697,751
3,797,410
Effect of exchange rates on cash and cash equivalents
68
-774
705
-228
Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents
-195,692
-1,595,522
1,610,326
1,031,844
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period
3,761,251
5,356,773
2,716,136
2,716,136
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period
3,565,559
3,761,251
5,356,773
3,746,447
Cash and cash equivalents
3,126,237
3,401,020
4,929,452
3,246,351
Restricted cash and restricted cash equivalents
439,322
360,231
427,321
500,096
Total cash, cash equivalents, restricted cash and restricted cash equivalents
3,565,559
3,761,251
5,356,773
3,746,447
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net change in
deposits
$4,968,455K
(117.36%↑ Y/Y)
Net change in debt
facilities
$1,488,307K
(65.56%↑ Y/Y)
Net change in
stablecoin liability...
$52,484K
Proceeds from issuance of
common stock under the...
$24,332K
(106.83%↑ Y/Y)
Proceeds from stock
option exercises
$231K
(-61.50%↓ Y/Y)
Net cash provided by
financing activities
$6,525,546K
(104.66%↑ Y/Y)
Effect of exchange
rates on cash and cash...
$68K
(112.08%↑ Y/Y)
Canceled cashflow
$8,263K
Net increase
(decrease) in cash, cash...
-$195,692K
(-12665.30%↓ Y/Y)
Canceled cashflow
$6,525,614K
Changes in loans
previously classified as...
-$210,123K
(22.54%↑ Y/Y)
Net income
$156,592K
(61.00%↑ Y/Y)
Changes in other
liabilities
$106,227K
(7.76%↑ Y/Y)
Share-based compensation
expense
$76,865K
(21.51%↑ Y/Y)
Depreciation and
amortization
$73,106K
(28.84%↑ Y/Y)
Fair value changes in
loans held for...
-$39,493K
(-132.95%↓ Y/Y)
Deferred income taxes
$33,728K
(225.09%↑ Y/Y)
Provision for credit
losses
$13,755K
(37.07%↑ Y/Y)
Other
-$7,744K
(-456.54%↓ Y/Y)
Changes in servicing
assets
-$3,585K
(75.73%↑ Y/Y)
Deferred debt issuance
and discount...
$2,747K
(-6.05%↓ Y/Y)
Proceeds from maturities
and paydowns of...
$178,543K
(51.83%↑ Y/Y)
Proceeds from
securitization investments
$32,315K
(86.88%↑ Y/Y)
Proceeds from
non-securitization investments
$752K
(-89.69%↓ Y/Y)
Taxes paid related to
net share...
$4,081K
(-5.07%↓ Y/Y)
Repayment of other debt
$3,053K
(-26.87%↓ Y/Y)
Payment of debt issuance
costs
$925K
(884.04%↑ Y/Y)
Finance lease principal
payments
$204K
(4.62%↑ Y/Y)
Net cash used in
operating activities
-$3,890,444K
(-165.21%↓ Y/Y)
Canceled cashflow
$723,965K
Net cash used in
investing activities
-$2,830,862K
(-64.35%↓ Y/Y)
Canceled cashflow
$211,610K
Changes in loans held for
sale, net
$4,339,089K
(135.25%↑ Y/Y)
Changes in other assets
$239,318K
(6996.77%↑ Y/Y)
Changes in accrued
interest on loans
$35,530K
(104.47%↑ Y/Y)
Fair value changes in
securitization investments
$472K
(86.56%↑ Y/Y)
Other changes in loans
held for investment,...
$1,734,207K
(19.07%↑ Y/Y)
Purchases of
available-for-sale investments
$1,133,718K
(120.24%↑ Y/Y)
Purchases of property,
equipment and software
$96,573K
(52.17%↑ Y/Y)
Acquisition of businesses,
net of cash acquired
$64,898K
Purchases of
non-securitization investments
$12,009K
(-62.68%↓ Y/Y)
Capitalized software
development costs
$1,067K
(-57.78%↓ Y/Y)
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SoFi Technologies, Inc. (SOFI)
SoFi Technologies, Inc. (SOFI)
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Price Alert:
The stock price jumped by 18.69% after the earning call.