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SoFi Technologies, Inc. SOFI Derecognition of securitization investments

Discontinued — last reported Q4 '25

Derecognition of securitization investments at other companies

Ally Financial logo
Ally FinancialALLY
$0
CareTrust logo
CareTrustCTRE
$2.2M+1,157%
Starwood Property Trust logo
Starwood Property TrustSTWD
$18.52M
Bloom Energy logo
Bloom EnergyBE
$20.18M
American Homes 4 Rent logo
American Homes 4 RentAMH
$0
Popular logo
PopularBPOP

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:DerecognitionOfSecuritizationInvestments.

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 derecognition of securitization investments?
SoFi Technologies, Inc. (SOFI) reported derecognition of securitization investments of $0 in Q4 2025.
What does derecognition of securitization investments mean?
The cash received from selling or removing securitized loan assets from the company's balance sheet.
How do you interpret derecognition of securitization investments?
An increase suggests successful execution of loan sale strategies and effective capital recycling, while a decrease may indicate reduced market demand for securitized products or a shift toward holding loans on the balance sheet.
How does derecognition of securitization investments compare across companies?
Common among fintech lenders and banks that utilize securitization to manage balance sheet capacity and generate non-interest income.