How do you interpret deconsolidation of securitization and residual debt?

Signals a shift in how the company manages its loan portfolio and risk transfer to third parties.

How does deconsolidation of securitization and residual debt compare across companies?

Specific to financial institutions that utilize securitization as a funding strategy.

SoFi Technologies, Inc. SOFI Deconsolidation of securitization and residual debt

Discontinued — last reported Q4 '25

Deconsolidation of securitization and residual debt at other companies

Ally FinancialALLY

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Ready CapitalRC

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American Homes 4 RentAMH

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Regency CentersREG

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American Homes 4 RentAMH

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Other financials

Income statement

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Revenue$1.1B+42.6%

Gross profit$929.2M+46.1%

Net income$166.7M+134%

EPS (diluted)$0.12+100%

Balance sheet

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Cash & equivalents$3.8B+38.5%

Total debt$1.9B-39.0%

Total equity$10.8B+61.9%

Total assets$53.7B+42.2%

Cash flow

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Operating cash flow-$2.3B-10,866%

CapEx$67.6M+28.4%

Free cash flow-$2.4B-7,560%

Valuation

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Market cap$22.97B+58.8%

Enterprise value$21.13B+39.7%

P/E39.8×+9.8×

P/S5.8×+0.7×

Profitability

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Gross margin83.6%+1.4pp

Net margin14.6%-2.6pp

FCF margin-160.7%-834pp

Returns & leverage

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Return on equity6.6%-1.1pp

Debt / equity0.2×-0.3×

Current ratio0.2×—

Where this comes from

Reported directly by SoFi Technologies, Inc. in its filing.

Tagged under the XBRL concept sofi:DeconsolidationOfSecuritizedDebt.

The official record: SoFi Technologies, Inc.’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SoFi Technologies, Inc.'s deconsolidation of securitization and residual debt?: SoFi Technologies, Inc. (SOFI) reported deconsolidation of securitization and residual debt of $0 in Q4 2025.
What does deconsolidation of securitization and residual debt mean?: The accounting removal of securitized debt from the balance sheet.
How do you interpret deconsolidation of securitization and residual debt?: Signals a shift in how the company manages its loan portfolio and risk transfer to third parties.
How does deconsolidation of securitization and residual debt compare across companies?: Specific to financial institutions that utilize securitization as a funding strategy.