| Cash Flow | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Net income | 307,771 | 168,379 | 71,116 | 166,192 |
| Share-based compensation expense | 193,481 | 127,012 | 63,756 | 179,785 |
| Depreciation and amortization | 171,271 | 112,026 | 55,283 | 149,953 |
| Goodwill impairment | - | - | - | 0 |
| Deferred debt issuance and discount expense | 8,367 | 5,367 | 2,443 | 10,821 |
| Deferred contract acquisition expense | - | - | 10,451 | - |
| Gain on extinguishment of convertible debt | 0 | 0 | 0 | 62,517 |
| Provision for credit losses | 24,912 | 15,713 | 5,678 | 24,835 |
| Deferred income taxes | 26,558 | 19,169 | 8,794 | -2,934 |
| Fair value changes in loans held for investment | 270,698 | 218,830 | 98,987 | 149,474 |
| Fair value changes in securitization investments | 1,582 | 1,137 | 884 | 3,311 |
| Other | -9,396 | -1,775 | -3,947 | 262 |
| Changes in loans held for sale, net | 3,982,094 | 2,443,713 | 599,248 | 1,974,214 |
| Changes in accrued interest on loans | 20,838 | 17,377 | - | - |
| Changes in loans previously classified as held for sale, net | -673,997 | -514,427 | -243,171 | -994,041 |
| Changes in servicing assets | 41,397 | 32,878 | 47,652 | 115,658 |
| Changes in other assets | 21,215 | -206,085 | -202,615 | 166,555 |
| Accounts payable, accruals and other liabilities | - | - | 101,019 | 29,594 |
| Changes in other liabilities | 170,791 | 98,576 | - | - |
| Net cash used in operating activities | -2,751,280 | -1,445,406 | 21,502 | -919,704 |
| Purchases of property, equipment and software | 176,047 | 116,069 | 52,604 | 112,002 |
| Capitalized software development costs | 7,351 | 4,171 | 1,644 | 7,384 |
| Purchases of available-for-sale investments | 1,124,421 | 853,559 | 338,795 | 1,659,296 |
| Proceeds from sales of available-for-sale investments | 249,488 | 204,777 | - | 164,623 |
| Proceeds from maturities and paydowns of available-for-sale investments | 339,013 | 237,720 | 120,123 | 616,451 |
| Purchases of loans held for investment | 1,439,681 | - | - | - |
| Proceeds from sales of loans held for investment | 392,607 | - | - | 434,483 |
| Other changes in loans held for investment, net | 2,859,336 | 2,617,949 | 1,161,457 | 3,029,395 |
| Proceeds from securitization investments | 49,406 | 28,817 | 11,525 | 69,455 |
| Proceeds from non-securitization investments | 16,334 | 9,585 | 2,294 | 3,579 |
| Purchases of non-securitization investments | 62,167 | 51,842 | 19,662 | 20,620 |
| Acquisition of businesses, net of cash acquired | - | - | - | 0 |
| Net cash used in investing activities | -4,622,155 | -3,162,691 | -1,440,220 | -3,540,106 |
| Net change in deposits | 7,101,294 | 3,766,414 | 1,480,574 | 5,654,019 |
| Proceeds from issuance of common stock | 1,700,345 | 11,764 | - | - |
| Payment of common stock issuance costs | 1,620 | - | - | - |
| Net change in debt facilities | -359,368 | 868,016 | -30,952 | -1,906,888 |
| Proceeds from other debt issuances | 0 | 0 | 0 | 845,250 |
| Repayment of other debt | 25,058 | 22,162 | 17,987 | 340,104 |
| Payment of debt issuance costs | 2,006 | 394 | 300 | 5,895 |
| Purchase of capped calls | 0 | 0 | 0 | 90,649 |
| Unwind of capped calls | 0 | 0 | 0 | 10,180 |
| Taxes paid related to net share settlement of share-based awards | 19,849 | 9,891 | 5,592 | 12,641 |
| Proceeds from stock option exercises | 6,647 | 795 | 195 | 770 |
| Proceeds from issuance of common stock under the espp | 11,764 | - | - | - |
| Payment of redeemable preferred stock dividends | 0 | 0 | - | 16,503 |
| Redemption of series 1 preferred stock | 0 | 0 | - | 323,400 |
| Finance lease principal payments | 567 | 370 | 175 | 396 |
| Net cash provided by financing activities | 8,411,582 | 4,614,172 | 1,425,763 | 3,813,743 |
| Effect of exchange rates on cash and cash equivalents | -1,060 | -832 | -269 | 248 |
| Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents | 1,037,087 | 5,243 | 6,776 | -645,819 |
| Cash and cash equivalents at beginning of period | 2,709,360 | 2,709,360 | 2,709,360 | 3,615,578 |
| Cash and cash equivalents at end of period | 3,746,447 | 2,714,603 | 2,716,136 | 2,969,759 |
SoFi Technologies, Inc. (SOFI)
SoFi Technologies, Inc. (SOFI)