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SoFi Technologies, Inc. SOFI Financial Services — Net interest income (expense)

Other segment segments

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$500.23M+38.7%
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$355K-14.0%

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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$23B+26.2%
Enterprise value$21.15B+8.5%
P/E39.9×+7.4×
P/S5.8×-0.1×

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 us-gaap:InterestIncomeExpenseNet.

The official record: SoFi Technologies, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SoFi Technologies, Inc.'s financial services — net interest income (expense)?
SoFi Technologies, Inc. (SOFI) reported financial services — net interest income (expense) of $227.74M in Q1 2026.
How has SoFi Technologies, Inc.'s financial services — net interest income (expense) changed year-over-year?
SoFi Technologies, Inc.'s financial services — net interest income (expense) increased by 31.5% year-over-year, from $173.2M to $227.74M.
What is the long-term trend for SoFi Technologies, Inc.'s financial services — net interest income (expense)?
Over 4 years (2021 to 2025), SoFi Technologies, Inc.'s financial services — net interest income (expense) has grown at a 285.7% compound annual growth rate (CAGR), from $3.52M to $777.99M.
What does financial services — net interest income (expense) mean?
The difference between the interest income generated from interest-earning assets, such as loans and cash equivalents, and the interest expense paid on interest-bearing liabilities, such as deposits and borrowings. This is a primary driver of profitability for financial institutions operating as banks.