SoFi Technologies, Inc.
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SOFI FY 2025 request
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/api/financials?ticker=SOFI&year=2025&quarter=4&full_year_mode=true
Pick an endpoint and run the request.Income Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 3,146,296 | 2,601,988 | +20.9% |
| Interest Income Other | 228,903 | 205,829 | +11.2% |
| Interest Income Operating | 3,375,199 | 2,807,817 | +20.2% |
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| Parent Company | 55,646 | 10,058 | +453.3% |
| Interest Expense Securitizations And Warehouses | 95,824 | 112,398 | -14.7% |
| Interest Expense Deposits | 1,014,043 | 930,154 | +9.0% |
| Interest Expense Corporate Borrowings | 45,723 | 48,346 | -5.4% |
| Interest Expense Other | 653 | 438 | +49.1% |
| Interest Expense Operating | 1,156,243 | 1,091,336 | +5.9% |
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| Parent Company | 46,477 | 48,788 | -4.7% |
| Interest Income Expense Net | 2,218,956 | 1,716,481 | +29.3% |
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| Financial Services · Operating Segments | 777,991 | 573,422 | +35.7% |
| Lending · Operating Segments | 1,606,032 | 1,207,226 | +33.0% |
| Technology Platform · Operating Segments | 1,505 | 2,158 | -30.3% |
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| Parent Company | 9,169 | -38,730 | +123.7% |
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| Corporate Non Segment | -166,572 | -66,325 | -151.1% |
| Operating Segments | 2,385,528 | 1,782,806 | +33.8% |
| Noninterest Income Loan Origination Sales Securitizations And Servicing | 242,947 | 278,114 | -12.6% |
| Revenue From Contract With Customer Excluding Assessed Tax Technology Products And Solutions | 360,903 | 350,810 | +2.9% |
| Noninterest Income Loan Platform Fees | 575,911 | 141,608 | +306.7% |
| Noninterest Income Other | 214,637 | 187,846 | +14.3% |
| Noninterest Income | 1,394,398 | 958,378 | +45.5% |
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| Financial Services · Operating Segments | 764,025 | 248,089 | +208.0% |
| Lending · Operating Segments | 242,917 | 277,996 | -12.6% |
| Technology Platform · Operating Segments | 448,706 | 393,020 | +14.2% |
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| Parent Company | 55 | 62,279 | -99.9% |
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| Operating Segments | 1,455,648 | 919,105 | +58.4% |
| Revenues Net Of Interest Expense | 3,613,354 | 2,674,859 | +35.1% |
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| Financial Services · Operating Segments | 1,542,016 | 821,511 | +87.7% |
| Lending · Operating Segments | 1,848,949 | 1,485,222 | +24.5% |
| Technology Platform · Operating Segments | 450,211 | 395,178 | +13.9% |
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| Non Us | 248,692 | 98,403 | +152.7% |
| US | 3,364,662 | 2,576,456 | +30.6% |
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| Parent Company | 9,224 | 23,549 | -60.8% |
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| Corporate Non Segment | -227,822 | -27,052 | -742.2% |
| Operating Segments | 3,841,176 | 2,701,911 | +42.2% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | 30,319 | 31,712 | -4.4% |
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| Financial Services · Operating Segments | 30,329 | 31,659 | -4.2% |
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| Operating Segments | 30,329 | 31,659 | -4.2% |
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| Commercial and consumer banking | -579 | 113 | -612.4% |
| Credit card · Credit Card Receivables | 30,898 | 31,599 | -2.2% |
| Research & Development | 648,332 | 551,787 | +17.5% |
| Sales & Marketing | 1,095,412 | 796,293 | +37.6% |
| Cost of Revenue | 608,998 | 461,633 | +31.9% |
| General & Administrative | 704,436 | 600,089 | +17.4% |
| Noninterest Expense | 3,057,178 | 2,409,802 | +26.9% |
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| Parent Company | 51,725 | 50,487 | +2.5% |
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| Corporate Non Segment | 61,250 | — | — |
| Income Before Taxes | 525,857 | 233,345 | +125.4% |
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| Parent Company | -42,501 | -26,938 | -57.8% |
| Income Tax Expense (Benefit) | -44,537 | 265,320 | -116.8% |
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| Parent Company | 197,397 | 399,862 | -50.6% |
| Net Income | 481,320 | 498,665 | -3.5% |
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| Retained Earnings | 481,320 | 498,665 | -3.5% |
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| Parent Company | 481,320 | 498,665 | -3.5% |
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | 19,699 | -7,158 | +375.2% |
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| Parent Company | 19,699 | -7,158 | +375.2% |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | -355 | 2 | -17850.0% |
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| Parent Company | -355 | 2 | -17850.0% |
| Other Comprehensive Income | 19,344 | -7,156 | +370.3% |
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| Accumulated Net Unrealized Investment Gain Loss | 19,699 | -7,158 | +375.2% |
| Accumulated Other Comprehensive Income | 19,344 | -7,156 | +370.3% |
| Accumulated Translation Adjustment | -355 | 2 | -17850.0% |
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| Parent Company | 19,344 | -7,156 | +370.3% |
| Comprehensive Income | 500,664 | 491,509 | +1.9% |
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| Parent Company | 500,664 | 491,509 | +1.9% |
| EPS (Basic) | 0.42 | 0.46 | -8.7% |
| EPS (Diluted) | 0.39 | 0.39 | 0.0% |
| Wtd Avg Shares (Basic) | 1,150,140 | 1,050,219 | +9.5% |
| Wtd Avg Shares (Diluted) | 1,251,767 | 1,101,390 | +13.7% |
| Revenue | 619,353 | 503,123 | +23.1% |
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| Brokerage · Financial Services | 39,666 | 21,494 | +84.5% |
| Financial Service Other · Financial Services | 12,141 | 2,797 | +334.1% |
| Interchange · Financial Services | 114,315 | 66,829 | +71.1% |
| Other · Technology Platform | 5,071 | 5,492 | -7.7% |
| Referrals, loan platform business · Financial Services | 79,985 | 52,129 | +53.4% |
| Referrals, other · Financial Services | 12,454 | 8,197 | +51.9% |
| Technology services · Technology Platform | 355,721 | 346,185 | +2.8% |
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| Financial Services | 258,561 | 151,446 | +70.7% |
| Technology Platform | 360,792 | 351,677 | +2.6% |
| Other Expenses (FY) | — | — | — |
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| Financial Services · Operating Segments | -101,169 | -57,767 | -75.1% |
| Lending · Operating Segments | -32,244 | -27,988 | -15.2% |
| Technology Platform · Operating Segments | -15,526 | -17,649 | +12.0% |
| Professional Fees (FY) | — | — | — |
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| Financial Services · Operating Segments | -30,245 | -22,972 | -31.7% |
| Lending · Operating Segments | -13,041 | -11,957 | -9.1% |
| Technology Platform · Operating Segments | -14,234 | -12,088 | -17.8% |
| Labor And Related Expense | 1,142,145 | 927,258 | +23.2% |
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| Financial Services · Operating Segments | 181,356 | 137,097 | +32.3% |
| Lending · Operating Segments | 166,239 | 126,394 | +31.5% |
| Technology Platform · Operating Segments | 187,895 | 152,158 | +23.5% |
| Net Income Loss Available To Common Stockholders Basic | 481,320 | 479,136 | +0.5% |
| Occupancy Net | 32,239 | 32,810 | -1.7% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 4,929,452 | 2,538,293 | +94.2% |
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| Parent Company | 2,183,117 | 30,760 | +6997.3% |
| Non-Current Assets | |||
| Goodwill | 1,393,505 | 1,393,505 | 0.0% |
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| Financial Services | 37,159 | 37,159 | 0.0% |
| Lending | 17,688 | 17,688 | 0.0% |
| Technology Platform | 1,338,658 | 1,338,658 | 0.0% |
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| Parent Company | 590,539 | 590,539 | 0.0% |
| Operating Lease Right-of-Use Assets | 93,941 | 81,219 | +15.7% |
| Total Assets | 50,660,478 | 36,250,951 | +39.7% |
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| Non Us | 1,282,094 | 951,507 | +34.7% |
| US | 49,378,384 | 35,299,444 | +39.9% |
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| Parent Company | 12,288,962 | 8,306,125 | +48.0% |
| Variable Interest Entity Primary Beneficiary | 67,895 | 272,952 | -75.1% |
| Property, Plant & Equipment (Q) | — | — | — |
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| Computer Equipment | 14,498 | 9,186 | +57.8% |
| Furniture And Fixtures | 2,682 | 3,985 | -32.7% |
| Land And Building | 2,980 | 2,985 | -0.2% |
| Leasehold Improvements | 11,481 | 14,941 | -23.2% |
| Software And Software Development Costs | 380,521 | 250,156 | +52.1% |
| Intangible Assets | 231,919 | 297,794 | -22.1% |
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| Capitalized software development costs | 20,272 | 19,272 | +5.2% |
| Core Deposits | 461 | 598 | -22.9% |
| Customer Related Intangible Assets | 8,993 | 17,401 | -48.3% |
| Developed Technology Rights | 198,743 | 253,922 | -21.7% |
| Trademarks And Trade Names | 3,450 | 6,557 | -47.4% |
| Other Assets | |||
| Restricted Cash And Cash Equivalents | 427,321 | 171,067 | +149.8% |
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| Variable Interest Entity Primary Beneficiary | 2,099 | 20,719 | -89.9% |
| Other Investments | 2,575,607 | 1,895,689 | +35.9% |
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| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 75,356 | 273,652 | -72.5% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 2,468,896 | 1,596,643 | +54.6% |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 31,355 | 25,394 | +23.5% |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 2,575,607 | 1,895,689 | +35.9% |
| Loans Receivable Held For Sale Amount | 22,862,749 | 17,684,892 | +29.3% |
| Financing Receivable Held For Investment At Fair Value | 13,657,578 | 8,597,368 | +58.9% |
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| Variable Interest Entity Primary Beneficiary | 65,796 | 80,812 | -18.6% |
| Variable Interest Entity Primary Beneficiary · Student Loans | 65,796 | 80,812 | -18.6% |
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| Student Loans · Student Loan | 13,657,578 | 8,597,368 | +58.9% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 1,516,736 | 1,246,458 | +21.7% |
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| Variable Interest Entity Not Primary Beneficiary · Secured loans | 873,981 | 806,441 | +8.4% |
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| Commercial and consumer banking | 174,901 | 150,858 | +15.9% |
| Commercial and consumer banking · Commercial and industrial | 4,161 | 4,986 | -16.5% |
| Commercial and consumer banking · Commercial Real Estate | 159,265 | 136,474 | +16.7% |
| Commercial and consumer banking · Residential real estate and other consumer | 11,475 | 9,398 | +22.1% |
| Credit card · Credit Card Receivables | 467,854 | 289,159 | +61.8% |
| Secured loans | 873,981 | 806,441 | +8.4% |
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| Funded Loan | 7.5 | — | — |
| Servicing Asset At Fair Value Amount | 378,178 | 342,128 | +10.5% |
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| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 378,178 | 342,128 | +10.5% |
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| Variable Interest Entity Not Primary Beneficiary | 72,077 | 100,839 | -28.5% |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 378,178 | 342,128 | +10.5% |
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 416,448 | 287,869 | +44.7% |
| Intangible Assets Net Excluding Goodwill | 231,919 | 297,794 | -22.1% |
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| Parent Company | 115,141 | 146,454 | -21.4% |
| Other Assets | 2,177,044 | 1,714,669 | +27.0% |
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| Parent Company | 605,305 | 401,015 | +50.9% |
| Current Liabilities | |||
| Deferred Revenue (Current) | 8,535 | 7,474 | +14.2% |
| Non-Current Liabilities | |||
| Accounts Payable And Accrued Liabilities Current And Noncurrent | 743,716 | 556,923 | +33.5% |
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| Parent Company | 38,412 | 26,061 | +47.4% |
| Variable Interest Entity Primary Beneficiary | 95 | 117 | -18.8% |
| Total Liabilities | 40,170,983 | 29,725,817 | +35.1% |
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| Parent Company | 1,799,467 | 1,780,991 | +1.0% |
| Variable Interest Entity Primary Beneficiary | 54,722 | 81,604 | -32.9% |
| Long-Term Debt (Q) | — | — | — |
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| Convertible senior notes due 2026 · Convertible Debt | 426.6 | 424.7 | +0.4% |
| Convertible senior notes due 2029 · Convertible Debt | 848.5 | 844.2 | +0.5% |
| Debt with Scheduled Payments | 1,776,522 | — | — |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities | 37,387,350 | 25,861,400 | +44.6% |
| Noninterest Bearing Deposit Liabilities | 118,045 | 116,804 | +1.1% |
| Deposits | 37,505,395 | 25,978,204 | +44.4% |
| Operating Lease Liability | 106,190 | 97,389 | +9.0% |
| Debt Longterm And Shortterm Combined Amount | 1,815,162 | 3,092,692 | -41.3% |
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| Parent Company | 1,761,055 | 1,754,930 | +0.3% |
| Variable Interest Entity Primary Beneficiary | 54,107 | 80,878 | -33.1% |
| Beneficial Interest | 520 | 609 | -14.6% |
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| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 520 | 609 | -14.6% |
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| Variable Interest Entity Primary Beneficiary | 520 | 609 | -14.6% |
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| Estimate Of Fair Value Fair Value Disclosure · Fair Value Measurements Recurring | 520 | 609 | -14.6% |
| Stockholders' Equity | |||
| Common Stock | 126 | 109 | +15.6% |
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| Parent Company | 126 | 109 | +15.6% |
| Additional Paid-In Capital | 11,302,668 | 7,838,988 | +44.2% |
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| Parent Company | 11,302,668 | 7,838,988 | +44.2% |
| Accumulated Other Comprehensive Income | 10,979 | -8,365 | +231.2% |
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| Parent Company | 10,979 | -8,365 | +231.2% |
| Retained Earnings | -824,278 | -1,305,598 | +36.9% |
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| Parent Company | -824,278 | -1,305,598 | +36.9% |
| Total Stockholders' Equity | 10,489,495 | 6,525,134 | +60.8% |
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| Accumulated Net Unrealized Investment Gain Loss | 10,340 | -9,359 | +210.5% |
| Accumulated Other Comprehensive Income | 10,979 | -8,365 | +231.2% |
| Accumulated Translation Adjustment | 639 | 994 | -35.7% |
| Additional Paid In Capital | 11,302,668 | 7,838,988 | +44.2% |
| Common Stock | 126 | 109 | +15.6% |
| Retained Earnings | -824,278 | -1,305,598 | +36.9% |
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| Parent Company | 10,489,495 | 6,525,134 | +60.8% |
| Total Liabilities & Equity | 50,660,478 | 36,250,951 | +39.7% |
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| Parent Company | 12,288,962 | 8,306,125 | +48.0% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation & Amortization | 234,151 | 203,498 | +15.1% |
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| Corporate Non Segment | 234,151 | 203,498 | +15.1% |
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| Property, Plant, Equipment and Finance Lease ROU Assets | 159,572 | 128,004 | +24.7% |
| Stock-Based Compensation | 262,058 | 246,152 | +6.5% |
| Deferred Income Taxes | 16,188 | -286,917 | +105.6% |
| Other Non-Cash Items | 13,759 | 9,907 | +38.9% |
| Net Cash from Operations | -3,742,458 | -1,119,807 | -234.2% |
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| Parent Company | -41,827 | -53,292 | +21.5% |
| Investing Activities | |||
| Purchases of Investments | -1,668,262 | -2,190,545 | +23.8% |
| Net Cash from Investing | -6,719,107 | -4,820,990 | -39.4% |
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| Parent Company | -988,156 | -336,819 | -193.4% |
| Financing Activities | |||
| Tax Withholding for Share Compensation | -64,986 | -22,601 | -187.5% |
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| Parent Company | -64,986 | -22,601 | -187.5% |
| Debt Issuance Costs | -2,981 | -7,620 | +60.9% |
| Amortization of Financing Costs (FY) | — | — | — |
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| Convertible senior notes due 2029 · Convertible Debt | 4.3 | 3.6 | +19.4% |
| Net Cash from Financing | 13,109,333 | 5,034,577 | +160.4% |
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| Parent Company | 3,182,340 | 420,670 | +656.5% |
| Supplemental | |||
| Income Taxes Paid | 28,912 | 26,910 | +7.4% |
| Interest Paid | 1,146,248 | 1,118,032 | +2.5% |
| Other Cash Flow | |||
| Net Change in Cash | 2,647,413 | -906,218 | +392.1% |
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| Parent Company | 2,152,357 | 30,559 | +6943.3% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.