| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 166,731 | 173,549 | 139,392 | 97,263 |
| Share-based compensation expense | 72,012 | 68,577 | 66,469 | 63,256 |
| Depreciation and amortization | 67,578 | 62,880 | 59,245 | 56,743 |
| Goodwill impairment | NaN | 0 | NaN | NaN |
| Deferred debt issuance and discount expense | 2,898 | 2,968 | 3,000 | 2,924 |
| Gain on extinguishment of convertible debt | NaN | 0 | 0 | 0 |
| Provision for credit losses | 8,895 | 5,407 | 9,199 | 10,035 |
| Deferred income taxes | 28,897 | -10,370 | 7,389 | 10,375 |
| Fair value changes in loans held for investment | 39,715 | 80,493 | 51,868 | 119,843 |
| Fair value changes in securitization investments | 220 | 381 | 445 | 253 |
| Other | 3,402 | -4,363 | -7,621 | 2,172 |
| Changes in loans held for sale, net | 2,661,367 | 1,288,779 | 1,538,381 | 1,844,465 |
| Changes in accrued interest on loans | 24,317 | 24,474 | 3,461 | 17,377 |
| Changes in loans previously classified as held for sale, net | -227,274 | -200,014 | -159,570 | -271,256 |
| Changes in servicing assets | -10,275 | -5,347 | 8,519 | -14,774 |
| Changes in other assets | 136,682 | 79,451 | 227,300 | -3,470 |
| Changes in other liabilities | -33,851 | -30,335 | 72,215 | 98,576 |
| Net cash (used in) provided by operating activities | -2,314,994 | -991,178 | -1,305,874 | -1,466,908 |
| Purchases of property, equipment and software | 67,551 | 66,397 | 59,978 | 63,465 |
| Capitalized software development costs | 1,226 | 1,322 | 3,180 | 2,527 |
| Purchases of available-for-sale investments | 1,379,614 | 543,841 | 270,862 | 514,764 |
| Proceeds from sales of available-for-sale investments | 605,815 | 272,494 | 44,711 | 204,777 |
| Proceeds from maturities and paydowns of available-for-sale investments | 167,321 | 210,542 | 101,293 | 117,597 |
| Purchases of loans held for investment | 86,908 | 643,146 | 1,439,681 | NaN |
| Proceeds from sales of loans held for investment | NaN | 0 | 392,607 | NaN |
| Other changes in loans held for investment, net | 1,649,112 | 1,339,932 | 241,387 | 1,456,492 |
| Proceeds from securitization investments | 24,135 | 28,668 | 20,589 | 17,292 |
| Proceeds from non-securitization investments | 956 | 25,563 | 6,749 | 7,291 |
| Purchases of non-securitization investments | 8,150 | 39,581 | 10,325 | 32,180 |
| Acquisition of businesses, net of cash acquired | NaN | 0 | NaN | NaN |
| Net cash used in investing activities | -2,394,334 | -2,096,952 | -1,459,464 | -1,722,471 |
| Net change in deposits | 3,034,493 | 4,147,211 | 3,334,880 | 2,285,840 |
| Proceeds from issuance of common stock | 87,387 | 1,485,273 | 1,688,581 | 11,764 |
| Payment of common stock issuance costs | 115 | 1,658 | 1,620 | NaN |
| Net change in debt facilities | 0 | -897,515 | -1,227,384 | 898,968 |
| Proceeds from other debt issuances | NaN | 0 | 0 | 0 |
| Repayment of other debt | 3,204 | 4,006 | 2,896 | 4,175 |
| Payment of debt issuance costs | 250 | 975 | 1,612 | 94 |
| Purchase of capped calls | NaN | 0 | 0 | 0 |
| Unwind of capped calls | NaN | 0 | 0 | 0 |
| Taxes paid related to net share settlement of share-based awards | 5,895 | 45,137 | 9,958 | 4,299 |
| Proceeds from stock option exercises | 2,366 | 288 | 5,852 | 600 |
| Proceeds from issuance of common stock under the espp | NaN | 14,469 | 11,764 | NaN |
| Payment of redeemable preferred stock dividends | NaN | 0 | 0 | 0 |
| Redemption of series 1 preferred stock | NaN | 0 | 0 | 0 |
| Finance lease principal payments | 202 | 199 | 197 | 195 |
| Net cash provided by financing activities | 3,114,580 | 4,697,751 | 3,797,410 | 3,188,409 |
| Effect of exchange rates on cash and cash equivalents | -774 | 705 | -228 | -563 |
| Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents | -1,595,522 | 1,610,326 | 1,031,844 | -1,533 |
| Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period | 5,356,773 | 3,746,447 | 2,714,603 | 2,716,136 |
| Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period | 3,761,251 | 5,356,773 | 3,746,447 | 2,714,603 |
SoFi Technologies, Inc. (SOFI)
SoFi Technologies, Inc. (SOFI)