Current Assets
Restricted Cash
SoFi Technologies, Inc. Restricted Cash decreased by 15.7% to $360.23M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 42.9%, from $630.44M to $360.23M. Over 5 years (FY 2020 to FY 2025), Restricted Cash shows relatively stable performance with a -1.1% CAGR.
Analysis
StatementBalance Sheet Statement
SectionCurrent Assets
CategoryLiquidity
SignalContext dependent
VolatilityStable
First reportedQ4 2022
Last reportedQ1 2026
How to read this metric
An increase may signal higher debt service requirements or increased collateral obligations, while a decrease may indicate the release of restricted funds.
Detailed definition
Cash balances that are legally or contractually set aside for specific purposes, such as debt service reserves, collater...
Peer comparison
Common in capital-intensive industries like energy where project financing requires specific reserve accounts.
Metric ID:
restricted_cashHistorical Data
20 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $306.53M | $320.71M | $273.73M | $377.08M | $291.63M | $326.27M | $424.40M | $489.74M | $485.48M | $483.14M | $530.56M | $454.52M | $397.04M | $614.79M | $171.07M | $630.44M | $592.10M | $500.10M | $427.32M | $360.23M |
| QoQ Change | — | +4.6% | -14.6% | +37.8% | -22.7% | +11.9% | +30.1% | +15.4% | -0.9% | -0.5% | +9.8% | -14.3% | -12.6% | +54.8% | -72.2% | +268.5% | -6.1% | -15.5% | -14.6% | -15.7% |
| YoY Change | — | — | — | — | -4.9% | +1.7% | +55.0% | +29.9% | +66.5% | +48.1% | +25.0% | -7.2% | -18.2% | +27.2% | -67.8% | +38.7% | +49.1% | -18.7% | +149.8% | -42.9% |
Range$171.07M – $630.44M
CAGR+3.5%
Avg YoY Growth+20.7%
Median YoY Growth+26.1%
Current Streak4 quarters decline
Restricted Cash at Other Companies
Frequently Asked Questions
- What is SoFi Technologies, Inc.'s restricted cash?
- SoFi Technologies, Inc. (SOFI) reported restricted cash of $360.23M in Q1 2026.
- How has SoFi Technologies, Inc.'s restricted cash changed year-over-year?
- SoFi Technologies, Inc.'s restricted cash decreased by 42.9% year-over-year, from $630.44M to $360.23M.
- What is the long-term trend for SoFi Technologies, Inc.'s restricted cash?
- Over 5 years (2020 to 2025), SoFi Technologies, Inc.'s restricted cash has grown at a -1.1% compound annual growth rate (CAGR), from $450.85M to $427.32M.
- What does restricted cash mean?
- Cash that is legally tied up and cannot be used for day-to-day operations.