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SoFi Technologies, Inc. Balance Sheet Statement

Assets, liabilities, and shareholders' equity

SoFi Technologies, Inc. holds $53.7B in total assets. Shareholders' equity is $10.8B against $1.9B in total debt. Cash and equivalents total $3.8B. Based on the Q1 2026 filing.

Total Assets$53.7BTotal Stockholders Equity$10.8BLong Term Debt$1.8BCash And Equivalents$3.8B
Latest FilingQ1 2026
Report Date2026-05-07
Market Cap$20.2B
P/E Ratio34.93
ROE6.6%

Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Accounts receivable, net$61.6M$66.3M$70.1M$75.4M$56.2M$62.2M
Available-for-Sale Debt Securities - Amortized Cost$1.8B$2.1B$2.3B$2.4B$2.4B$3.0B
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)—$6.3M$6.2M$6.2M—$0.0
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)$16.6M$24.6M$33.4M$96.9M$20.7M$13.0M
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)$16.6M$24.6M$33.4M$96.9M$20.7M$13.0M
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$831.8M$704.9M$727.2M$257.6M$276.3M$1.7B
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)$831.8M$704.9M$727.2M$257.6M$276.3M$1.7B
Available-for-Sale Debt Securities - Unrealized Loss Position$13.0M$5.6M$4.6M$2.2M$2.0M$12.0M
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value$16.6M$24.6M$33.4M$96.9M$20.7M$13.0M
AFS and Trading Securities - Unrealized Loss Position Fair Value$848.3M$729.4M$760.6M$354.5M$297.0M$1.7B
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value$831.8M$704.9M$727.2M$257.6M$276.3M$1.7B
Allowance for Doubtful Accounts$2.4M$2.8M$3.2M$3.1M$3.0M$2.7M
Allowance for Doubtful Accounts Receivable (Current)$2.4M$2.8M$3.2M$3.1M$3.0M$2.7M
Cash and cash equivalents$2.7B$2.7B$2.7B$3.7B$5.4B$3.8B
Cash, Cash Equivalents, and Marketable Securities$848.3M$729.4M$760.6M$354.5M$297.0M$1.7B
Derivative Assets - Fair Value$289.0M$27.0K$0.0$10.3M$61.6M$155.3M
Derivative assets$43.0K$27.0K$0.0$2.1M$133.0K$1.4M
Trading assets—$6.3M$6.2M$6.2M—$0.0
Loans held for sale$17.7B$18.2B$20.1B$21.6B$22.9B$25.5B
Net Cash Collateral Received - Derivative Instruments$0.0$141.0M$57.0M$0.0$3.4M$0.0
Net Derivative Assets/(Liabilities) After Master Netting$0.0$142.2M$58.9M$0.0$4.5M$111.0K
Restricted cash$171.1M$630.4M$592.1M$500.1M$427.3M$360.2M

Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Accrued interest$5.7M$4.3M$6.8M$5.0M$6.3M$8.3M
Time Deposit Maturities - Year One—$6.0M$221.1M$1.2B—$3.7M
Time Deposit Maturities - Year Two—$25.0K$36.0K$36.0K—$5.4M
Time Deposit Maturities - Year Three—$163.0K$164.0K$169.0K—$367.0K
Time Deposit Maturities - Year Four—$117.0K$117.0K$117.0K—$27.0K
Time deposits$20.3M$25.0M$25.3M$25.7M$26.3M$29.7M
Time Deposits Above FDIC Insurance Limit$20.3M$25.0M$25.3M$25.7M$26.3M$29.7M
Commercial Paper Outstanding$5.6M$5.6M$5.6M$4.7M$4.7M$4.1M
Debt Maturity - Remainder of Fiscal Year—000—0
Deferred revenue$7.5M$5.5M$7.4M$8.6M$8.5M$7.6M
Derivative Liabilities - Fair Value$43.0K$27.0K$0.0$2.1M$133.0K$1.4M
Deposits$26.0B$27.3B$29.5B$32.9B$37.5B$40.2B
Noninterest-bearing deposits$116.8M$120.4M$129.6M$140.7M$118.0M$123.0M
Derivative liabilities$43.0K$27.0K$0.0$2.1M$133.0K$1.4M
Operating lease liabilities, current$97.4M$93.1M$91.4M$93.0M$106.2M$100.7M

Equity

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Additional paid-in capital$7.8B$7.9B$8.0B$9.8B$11.3B$11.5B
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss$963.0K$1.1M$1.1M$1.2M$983.0K$957.0K
Accumulated other comprehensive income (loss)-$8.4M$2.8M$3.6M$9.5M$11.0M-$2.7M
Common stock109K3.1B3.1B3.1B3.1B3.1B
Common Stock Par Value Per Share$0.00$0.00$0.00$0.00$0.00$0.00
Common Stock Shares Issued1.1B1.1B1.1B1.2B1.3B1.3B
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March&#160;31, 2026 and December&#160;31, 2025, respectively$109.0K$110.0K$111.0K$120.0K$126.0K$127.0K
Investments - Gross Unrealized Losses$848.3M$729.4M$760.6M$354.5M$297.0M$1.7B
Number of Exercisable Options—14.8M14.7M13.8M—13.4M
Retained earnings-$1.3B-$1.2B-$1.1B-$997.8M-$824.3M-$657.5M
Share-Based Payment Award Options Outstanding - Number14.8M14.8M14.7M13.8M13.7M13.4M
Share-Based Payment - Unrecognized Cost of Nonvested Awards—$0.0$0.0$0.0—$0.0
Shares Reserved for Future Issuance Under Stock Plans190.1M247.1M235.5M225.9M212.8M281.9M
Total liabilities and stockholders' equity$36.3B$37.7B$41.1B$45.3B$50.7B$53.7B
Total stockholders' equity$6.5B$6.7B$6.9B$8.8B$10.5B$10.8B
Unrealized Gains on Investments$3.6M$8.3M$9.0M$14.6M$15.5M$8.2M
Unrealized Losses on Investments (Before Tax)$13.0M$5.6M$4.6M$2.2M$2.0M$12.0M
Weighted Average Exercise Price of Outstanding Options$7.85$7.86$7.87$7.94$7.95$7.97

Non-Current Assets

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)—$198.4M$178.0M$194.6M—$96.0M
Allowance for credit losses$46.7M$44.4M$47.8M$50.6M$50.9M$51.9M
Gross loans$1.2B$1.3B$1.4B$1.5B$1.5B$1.4B
Available-for-sale securities—$198.6M$179.1M$195.8M—$95.8M
Goodwill$1.4B$1.4B$1.4B$1.4B$1.4B$1.4B
Intangible assets, net$297.8M$279.8M$263.5M$247.8M$231.9M$215.1M
Mortgage servicing rights$342.1M$389.8M$375.0M$383.5M$378.2M$367.9M
Net Investment in Lease$81.2M$77.8M$77.2M$79.4M$93.9M$88.9M
Private debt held-for-investment, at amortized cost, net of valuation allowance &#8211; $3 and $4$1.2B$1.3B$1.4B$1.5B$1.5B$1.4B
Loans held for investment, at fair value$8.6B$9.6B$10.7B$11.8B$13.7B$15.3B
Other intangible assets&#8212;net$297.8M$279.8M$263.5M$247.8M$231.9M$215.1M
Operating lease right-of-use assets$81.2M$77.8M$77.2M$79.4M$93.9M$88.9M
Other Assets$1.7B$1.3B$1.3B$1.6B$2.2B$2.0B
Property, plant and equipment, net$287.9M$316.6M$354.8M$386.6M$416.4M$448.5M
Fair value of servicing rights$342.1M$389.8M$375.0M$383.5M$378.2M$367.9M
Operating lease right-of-use assets$81.2M$77.8M$77.2M$79.4M$93.9M$88.9M
Operating Lease Right-of-Use Assets in Other Assets$81.2M$77.8M$77.2M$79.4M$93.9M$88.9M
Other Investments$1.9B$2.2B$2.4B$2.5B$2.6B$3.2B
Other non-current assets$1.7B$1.3B$1.3B$1.6B$2.2B$2.0B
Property and equipment, net$287.9M$316.6M$354.8M$386.6M$416.4M$448.5M
Investment - Proportional Amortization Method1260000000.0%2850000000.0%2830000000.0%3770000000.0%5350000000.0%7690000000.0%
Total assets$36.3B$37.7B$41.1B$45.3B$50.7B$53.7B

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Aggregate Notional Principal Outstanding$15.3B$16.4B$17.0B$19.2B$20.9B$24.8B
Components—0.10.10.1—0
Derivative Notional Amount$15.3B$16.4B$17.0B$19.2B$20.9B$24.8B
Fair Value Measurement Disclosure$43.0K$142.2M$58.9M$2.1M$4.7M$1.5M
Gross Assets/Liabilities$43.0K$142.2M$58.9M$2.1M$4.7M$1.5M
Accounts Receivable, Allowance for Credit Loss$2.4M$2.8M$3.2M$3.1M$3.0M$2.7M
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax$13.0M$5.6M$4.6M$2.2M$2.0M$12.0M
Gross Unrealized Gains$3.6M$8.3M$9.0M$14.6M$15.5M$8.2M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10—$132.3M$121.2M$104.6M—$213.0M
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10—$131.5M$120.3M$104.1M—$211.4M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five—$198.4M$178.0M$194.6M—$96.0M
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five—$198.6M$179.1M$195.8M—$95.8M
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10—$1.7B$2.0B$2.1B—$2.7B
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10—$1.7B$2.0B$2.1B—$2.7B
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One—$6.3M$6.2M$6.2M—$0.0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One—$6.3M$6.2M$6.2M—$0.0
Available for sale investments$1.8B$2.1B$2.3B$2.4B$2.5B$3.0B
Minimum net worth noncompliance, fines and penalties accrued$0.0$0.0$0.0$0.0$0.0$0.0
Common stock, capital shares reserved for future issuance$190.1M$247.1M$235.5M$225.9M$212.8M$281.9M
Common stock, par value (in dollars per share)$0.0$0.0$0.0$0.0$0.0$0.0
Common stock, shares authorized (in shares)$3.1B$3.1B$3.1B$3.1B$3.1B$3.1B
Common stock, shares issued (in shares)$1.1B$1.1B$1.1B$1.2B$1.3B$1.3B
Common Stock, Shares, Outstanding$1.1B$1.1B$1.1B$1.2B$1.3B$1.3B
Number of votes per share of common stock—1.001.001.00—1.00
Estimated repurchase obligations$11.9M$12.8M$14.2M$19.0M$18.4M$17.9M
Accounts receivable$61.6M$66.3M$70.1M$75.4M$56.2M$62.2M
Long-term debt, gross$3.1B$3.1B$4.0B$2.7B$1.8B$1.8B
Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net$21.6M$20.1M$18.5M$17.0M$15.5M$13.9M
Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, after Allowance for Credit Loss$1.8B$2.1B$2.3B$2.4B$2.4B$3.0B
Percentage of high credit quality on amortized cost basis of investments100.0%98.0%98.0%99.0%99.0%99.0%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss$963.0K$1.1M$1.1M$1.2M$983.0K$957.0K
Less than 12 months$831.8M$704.9M$727.2M$257.6M$276.3M$1.7B
12 months or more$16.6M$24.6M$33.4M$96.9M$20.7M$13.0M
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss$12.0M$4.5M$3.5M$1.0M$1.1M$11.0M
Estimated Fair Value—$2.1B$2.3B$2.4B—$3.0B
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss$13.0M$5.6M$4.6M$2.2M$2.0M$12.0M
Debt Securities, Available-for-Sale, Unrealized Loss Position$848.3M$729.4M$760.6M$354.5M$297.0M$1.7B
Debt Securities, Available-for-Sale, Weighted Average Yield—$0.1$0.1$0.1—$0.0
Derivative Asset, Subject to Master Netting Arrangement, after Offset$288.9M$0.0$0.0$8.2M$61.5M$153.9M
Derivative Asset, Subject to Master Netting Arrangement, Liability Offset$43.0K$27.0K$0.0$2.1M$133.0K$1.4M
Derivative, gross, assets$289.0M$27.0K$0.0$10.3M$61.6M$155.3M
Derivatives, gross, liabilities$43.0K$142.2M$58.9M$2.1M$4.7M$1.5M
Derivative Liability, Subject to Master Netting Arrangement, after Offset$0.0$142.2M$58.9M$0.0$4.5M$111.0K
Derivative Liability, Subject to Master Netting Arrangement, Asset Offset$43.0K$27.0K$0.0$2.1M$133.0K$1.4M
Notional$15.3B$16.4B$17.0B$19.2B$20.9B$24.8B
Cost not yet recognized—$0.0$0.0$0.0—$0.0
Financing Receivable, After Allowance For Credit Loss, Including Receivables At Fair Value And Excluding Held-For-Sale$9.8B$10.9B$12.2B$13.3B$15.2B$16.7B
Financing Receivable, After Allowance for Credit Loss, Including Receivables At Fair Value And Held-For Sale$27.5B$29.1B$32.2B$34.9B$38.0B$42.2B
Total loans held for sale, at lower of amortized cost or fair value————$117.0M$124.4M
Total loans held for sale, at fair value$17.7B—$20.0B$21.5B$22.7B$25.3B
Brokered deposits$772.9M$322.9M$556.7M$1.6B$1.4B$1.2B
Collateral amount$1.3M$1.3M$1.3M$1.3M$1.3M$700.0K
Letters of Credit Outstanding, Amount$5.6M$5.6M$5.6M$4.7M$4.7M$4.1M
Loans sold, subject to terms and conditions of repurchase obligations$12.5B$13.1B$12.8B$17.8B$15.7B$15.6B
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Prepayment Speed-$8.3M-$11.1M-$11.3M-$11.8M-$11.7M-$11.3M
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Prepayment Speed-$16.3M-$21.6M-$22.0M-$22.9M-$22.7M-$21.9M
200 basis points increase-$12.3M-$13.6M-$13.2M-$13.3M-$12.9M-$13.2M
2.5 basis points increase-$6.5M-$7.3M-$7.9M-$7.9M-$8.8M-$8.4M
10% increase-$662.0K-$956.0K-$945.0K-$995.0K-$1.0M-$1.0M
5.0 basis points increase-$13.0M-$14.7M-$15.9M-$15.8M-$17.7M-$16.8M
100 basis points increase-$6.4M-$7.0M-$6.8M-$6.9M-$6.6M-$6.8M
20% increase-$1.3M-$1.9M-$1.9M-$2.0M-$2.0M-$2.1M
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number—$14.8M$14.7M$13.8M—$13.4M
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number$14.8M$14.8M$14.7M$13.8M$13.7M$13.4M
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price$7.9$7.9$7.9$7.9$8.0$8.0
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price—$7.9$7.9$7.9—$8.0
Thereafter—$1.0K$28.0K$28.0K—$0.0
2026—$355.9M$373.6M$368.0M—$1.1B
Time Deposit Maturities, Year Four—$117.0K$117.0K$117.0K—$27.0K
2027—$6.0M$221.1M$1.2B—$3.7M
Time Deposit Maturities, Year Three—$163.0K$164.0K$169.0K—$367.0K
Time Deposit Maturities, Year Two—$25.0K$36.0K$36.0K—$5.4M
Time Deposits$817.2M$362.2M$595.1M$1.6B$1.2B$1.1B
Time Deposits, at or Above FDIC Insurance Limit$20.3M$25.0M$25.3M$25.7M$26.3M$29.7M
Number of consolidated VIEs (in entities)4.002.002.001.001.001.00
Number of nonconsolidated entities in which investments are held23.0024.0024.0024.0022.0023.00
Unfunded Affordable Housing Project Commitments$11.1M$23.2M$23.0M$32.0M$47.2M$63.9M
Unfunded Equity Investment Commitments$11.1M$23.2M$23.0M$32.0M$47.2M$63.9M

Non-Current Liabilities

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Debt Maturity - 1 to 5 Years—000—0
Debt Maturity - 2024—$355.9M$373.6M$368.0M—$1.1B
Debt Maturity - 2027—$163.0K$164.0K$169.0K—$367.0K
Debt Maturity - 5 to 10 Years—$131.5M$120.3M$104.1M—$211.4M
Debt Maturity - Over 10 Years—0.10.10.1—0
Debt - Unamortized Discount (Premium) and Issuance Costs, Net$21.6M$20.1M$18.5M$17.0M$15.5M$13.9M
Beneficial interests issued by consolidated variable interest entities$609.0K$579.0K$554.0K$530.0K$520.0K$517.0K
Finance lease liabilities$13.5M———$12.8M—
Finance Lease Liabilities (Total)$13.5M———$12.8M—
Long-term debt$3.1B$3.0B$3.9B$2.7B$1.8B$1.8B
Accounts payable, accrued expenses, and other liabilities (includes VIE balances of $159 and $183)$556.9M$674.4M$676.3M$759.6M$743.7M$729.3M
Interest-Bearing Deposit Liabilities$25.9B$27.1B$29.4B$32.8B$37.4B$40.1B
Operating Lease Liabilities (Total)$97.4M$93.1M$91.4M$93.0M$106.2M$100.7M
Secured Borrowings Cash Right to Reclaim$0.0$141.0M$57.0M$0.0$3.4M$0.0
Total Carrying Value of Debt$3.1B$3.1B$4.0B$2.7B$1.8B$1.8B
Total liabilities$29.7B$31.1B$34.3B$36.5B$40.2B$42.9B