Income StatementBalance SheetCash FlowSegments
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SoFi Technologies, Inc. Cash Flow Statement

Operating, investing, and financing cash movements

SoFi Technologies, Inc. generated -$6.1B in operating cash flow over the trailing twelve months. After $257.4M in capital expenditures, free cash flow was -$6.3B. Free cash flow decreased 2.2% year-over-year. Based on the Q1 2026 filing.

Net Cash From Operating (TTM)-$6.1BNet Cash From Investing (TTM)-$7.7BNet Cash From Financing (TTM)$14.8BCapital Expenditures (TTM)$257.4MDepreciation And Amortization Cf (TTM)$246.4MNet Change In Cash (TTM)$1.0B
Latest FilingQ1 2026
Report Date2026-05-07
Market Cap$20.2B
P/E Ratio34.93
ROE6.6%

Investing

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Proceeds from non-marketable securities—$2.3M$7.3M$6.7M$25.6M$956.0K
Sales of short-term available-for-sale investments$20.9M$0.0$204.8M$44.7M$272.5M$605.8M
Capital expenditures$42.3M$52.6M$63.5M$60.0M$66.4M$67.6M
Capitalized Computer Software, Period Increase (Decrease)$2.0M$1.6M$2.5M$3.2M$1.3M$1.2M
Increase (Decrease) In Financing Receivables, After Allowance For Credit Loss$1.2B$961.4M$1.7B$241.4M$1.3B$1.6B
Payment for Acquisition, Loan, Held-for-Investment$0.0$200.1M——$643.1M$86.9M
Payments to Acquire Other Investments$17.1M$19.7M$32.2M$10.3M$39.6M$8.2M
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale$191.4M$120.1M$117.6M$101.3M$210.5M$167.3M
Proceeds from securitization investments$10.3M$11.5M$17.3M$20.6M$28.7M$24.1M
Proceeds from sales of loans held for investment$169.4M$98.2M$98.2M$98.2M$98.2M—
Sale of investments$20.9M$0.0$204.8M$44.7M$272.5M$605.8M
Proceeds from other investments—$2.3M$7.3M$6.7M$25.6M$956.0K
Net cash from investing activities-$1.3B-$1.4B-$1.7B-$1.5B-$2.1B-$2.4B
Proceeds from maturities/sales of investments$20.9M$0.0$204.8M$44.7M$272.5M$605.8M
Purchases of investments$531.2M$338.8M$514.8M$270.9M$543.8M$1.4B

Operating

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Other non-cash income (expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Amortization of debt issuance costs$2.7M$2.4M$2.9M$3.0M$3.0M$2.9M
Other non-cash income (expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Change in other assets$291.9M-$213.1M$7.0M$227.3M$79.5M$136.7M
Change in other liabilities—$101.0M—$72.2M—-$33.9M
Other working capital changes-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Deferred income taxes-$284.0M$8.8M$10.4M$7.4M—$28.9M
Depreciation and amortization$53.5M$55.3M$56.7M$59.2M$62.9M$67.6M
Other Non-Cash Income (Expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Loans held for sale activity$383.2M$586.1M$1.9B$1.5B$1.3B$2.7B
Other Non-cash Income (Expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Other Non-cash Income (Expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Net cash from operating activities-$200.1M$21.5M-$1.5B-$1.3B-$991.2M-$2.3B
Net income$332.5M$71.1M$97.3M$139.4M$173.5M$166.7M
Other non-cash income (expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Non-cash interest expense$2.7M$2.4M$2.9M$3.0M$3.0M$2.9M
Fair Value Adjustment Of Financing Receivable, Held-For-Investment, At Fair Value$8.7M$99.0M$119.8M$51.9M$80.5M$39.7M
Fair Value Adjustment Of Securitization Of Loans—$884.0K$253.0K$445.0K$381.0K$220.0K
Increase (Decrease) Accrued Interest On Loans$18.3M$3.1M$14.3M$3.5M$24.5M$24.3M
Increase (Decrease) In Financing Receivable, Held-For Sale Previously-$367.5M-$233.2M-$281.2M-$159.6M-$200.0M-$227.3M
Increase (Decrease) in Loan, Held-for-Sale$383.2M$586.1M$1.9B$1.5B$1.3B$2.7B
Increase (Decrease) in Other Operating Assets$291.9M-$213.1M$7.0M$227.3M$79.5M$136.7M
Increase (Decrease) in Servicing Assets from Securitization$46.0M$47.7M—$8.5M—-$10.3M
Other Noncash Income (Expense)-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Other Non-cash Income and Expense-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Other Non-Cash Adjustments-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Other Non-Cash Income and Expense-$8.2M-$3.9M—-$7.6M-$4.4M$3.4M
Stock-based compensation$66.4M$63.8M$63.3M$66.5M$68.6M$72.0M

Financing

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Repayments of debt$12.7M$18.0M$4.2M$2.9M$4.0M$3.2M
Finance Lease, Principal Payments$134.0K$175.0K$195.0K$197.0K$199.0K$202.0K
Increase (Decrease) in Deposits$1.3B$1.5B$2.3B$3.3B$4.1B$3.0B
Payments Of Debt Issuance Costs$1.7M$300.0K$94.0K$1.6M$975.0K$250.0K
Payments Of Stock Issuance Costs$0.0$0.0——$1.7M$115.0K
Proceeds from Secured Long-Term Debt-$75.8M-$31.0M$899.0M-$1.2B-$897.5M$0.0
Finance lease prepayments$134.0K$175.0K$195.0K$197.0K$199.0K$202.0K
Net cash from financing activities$1.2B$1.4B$3.2B$3.8B$4.7B$3.1B
Net change in deposits$1.3B$1.5B$2.3B$3.3B$4.1B$3.0B
Payment of debt issuance costs$1.7M$300.0K$94.0K$1.6M$975.0K$250.0K
Payments for finance leases$134.0K$175.0K$195.0K$197.0K$199.0K$202.0K
Net Proceeds from (Repayments of) Other Long-Term Debt$12.7M$18.0M$4.2M$2.9M$4.0M$3.2M
Proceeds from issuance of common stock$0.0$0.0$11.8M$1.7B$1.5B$87.4M
Taxes paid for net share settlement$10.0M$5.6M$4.3M$10.0M$45.1M$5.9M
Payments of Stock Issuance Costs$0.0$0.0——$1.7M$115.0K
Proceeds from Issuance of Secured Debt-$75.8M-$31.0M$899.0M-$1.2B-$897.5M$0.0

Free Cash Flow

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Free cash flow-$242.4M-$31.1M-$1.5B-$1.4B-$1.1B-$2.4B

Other

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Effect of exchange rate changes on cash—-$269.0K-$563.0K-$228.0K—-$774.0K
Net increase (decrease) in cash-$260.4M$6.8M$0.0$1.0B$1.6B-$1.6B
Deposits credited but not yet received in cash$270.0M$268.1M$0.0$70.8M$411.8M$451.8M
Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount—$12.7M$12.7M$12.9M—$13.3M

Supplemental

MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Income taxes paid$6.7M$7.2M$7.2M$7.2M$7.2M—
Interest paid$279.5M$286.6M$286.6M$286.6M$286.6M—
Income Taxes Paid, Net$6.7M$7.2M$7.2M$7.2M$7.2M—