SoFi Technologies (SOFI) Financials: History & Chart

SoFi Technologies, Inc. (SOFI)SOFISoFi Technologies, Inc.

About SoFi Technologies, Inc.

SoFi Technologies, Inc. specializes in delivering a wide array of online financial solutions. The company's business is structured across three main divisions: Lending, Technology Platform, and Financial Services. Through its diverse offerings, SoFi empowers its members to manage their money comprehensively, facilitating borrowing, saving, spending, investing, and asset protection. Its lending portfolio includes student loans, personal loans for various needs like debt consolidation or home improvements, and home mortgages. Furthermore, SoFi provides services for cash management and investment, complemented by its robust technology services. This technology segment features Galileo, a platform serving both financial and non-financial institutions; Apex, a technology-driven platform for investment custody and clearing brokerage; and Technisys, a cutting-edge, cloud-native core banking platform designed for multiple products. Established in 2011, SoFi Technologies, Inc. is based in San Francisco, California.

San Francisco, CA

6,100 employees

www.sofi.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Anthony J. Noto

View full financials

Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024	Quarter ended Jun 2024
Revenue	5.14B	1.41B	1.34B	1.27B	1.13B	1.04B	1.01B	986.16M	860.63M
Cost of Goods Sold	1.23B	316.90M	315.55M	315.65M	284.60M	270.76M	280.64M	298.38M	273.65M
Gross Profit	3.91B	1.09B	1.02B	952.40M	844.91M	766.08M	727.25M	687.78M	586.98M
Gross Profit Margin	76.0%	77.5%	76.4%	75.1%	74.8%	73.9%	72.2%	69.7%	68.2%
Total Operating Expenses	3.26B	891.92M	834.31M	803.85M	732.72M	686.30M	667.32M	623.93M	571.64M
Research & Development	187.68M	187.68M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	1.94B	533.12M	499.86M	475.28M	430.13M	394.57M	390.18M	363.82M	329.77M
Operating Income (EBIT)	645.63M	199.55M	185.33M	148.55M	112.19M	79.78M	59.92M	63.85M	15.34M
Operating Margin	12.6%	14.2%	13.9%	11.7%	9.9%	7.7%	5.9%	6.5%	1.8%
Income Before Tax (EBT)	645.63M	199.55M	185.33M	148.55M	112.19M	79.78M	59.92M	63.85M	15.34M
Interest Income	3.61B	1.00B	927.42M	891.56M	792.40M	763.81M	743.94M	723.37M	674.60M
Interest Expense	1.20B	308.01M	310.14M	306.45M	274.57M	265.09M	273.77M	292.36M	262.01M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	576.93M	166.73M	173.55M	139.39M	97.26M	71.12M	332.47M	60.74M	17.40M
Income Tax Expense	68.69M	32.82M	11.78M	9.16M	14.93M	8.67M	-272.55M	3.11M	-2.06M
Net Profit Margin	11.2%	11.8%	13.0%	11.0%	8.6%	6.9%	33.0%	6.2%	2.0%
EBITDA	892.07M	267.13M	248.21M	207.80M	168.94M	135.06M	113.47M	115.65M	64.96M
EBITDA Margin	17.4%	19.0%	18.6%	16.4%	15.0%	13.0%	11.3%	11.7%	7.5%
Depreciation & Amortization	246.45M	67.58M	62.88M	59.24M	56.74M	55.28M	53.55M	51.79M	49.62M
EPS Basic	0.48	0.13	0.14	0.12	0.09	0.06	0.32	0.05	0.01
EPS Diluted	0.44	0.12	0.13	0.11	0.08	0.06	0.30	0.05	0.01
Shares Outstanding	1.28B	1.28B	1.22B	1.17B	1.10B	1.10B	1.09B	1.07B	1.06B
Diluted Shares Outstanding	1.38B	1.38B	1.35B	1.29B	1.18B	1.19B	1.15B	1.10B	1.07B

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	4.77B	3.70B	2.90B	1.76B	1.09B	751.14M	721.02M	599.95M
Cost of Goods Sold	1.19B	1.12B	844.27M	243.61M	110.35M	185.61M	278.36M	330.55M
Gross Profit	3.58B	2.58B	2.05B	1.52B	977.30M	565.53M	442.66M	269.40M
Gross Profit Margin	75.1%	69.7%	70.9%	86.2%	89.9%	75.3%	61.4%	44.9%
Total Operating Expenses	3.06B	2.35B	2.35B	1.84B	1.46B	894.05M	682.26M	522.76M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	1.80B	1.40B	1.23B	1.12B	925.41M	513.96M	418.47M	334.55M
Operating Income (EBIT)	525.86M	233.34M	-301.16M	-318.72M	-481.18M	-328.52M	-239.60M	-253.36M
Operating Margin	11.0%	6.3%	-10.4%	-18.1%	-44.2%	-43.7%	-33.2%	-42.2%
Income Before Tax (EBT)	525.86M	233.34M	-301.16M	-318.72M	-481.18M	-328.52M	-239.60M	-253.36M
Interest Income	3.38B	2.81B	2.05B	773.37M	355.02M	363.54M	608.19M	589.62M
Interest Expense	1.16B	1.09B	789.33M	189.28M	102.78M	185.61M	278.36M	330.55M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	481.32M	498.67M	-300.74M	-320.41M	-483.94M	-224.05M	-239.70M	-252.40M
Income Tax Expense	44.54M	-265.32M	-416K	1.69M	2.76M	-104.47M	98K	-958K
Net Profit Margin	10.1%	13.5%	-10.4%	-18.2%	-44.5%	-29.8%	-33.2%	-42.1%
EBITDA	760.01M	436.84M	-99.74M	-167.36M	-379.61M	-258.69M	-223.64M	-242.44M
EBITDA Margin	15.9%	11.8%	-3.4%	-9.5%	-34.9%	-34.4%	-31.0%	-40.4%
Depreciation & Amortization	234.15M	203.50M	201.42M	151.36M	101.57M	69.83M	15.96M	10.91M
EPS Basic	0.42	0.46	-0.36	-0.40	-1.00	-2.73	-2.27	-2.17
EPS Diluted	0.39	0.39	-0.36	-0.40	-1.00	-2.73	-2.27	-2.17
Shares Outstanding	1.15B	1.05B	945.02M	900.89M	526.73M	116.15M	116.15M	116.15M
Diluted Shares Outstanding	1.25B	1.10B	945.02M	900.89M	526.73M	116.15M	116.15M	116.15M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.