SoFi Technologies, Inc. (SOFI) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash from Operations | 119.1M | -991.18M | 72.94M | -1.47B | 21.5M | -200.1M | -1.17B | -484.37M | 738.25M | -247.94M | -2.69B | -2.08B | -2.21B | -2.42B | -2.88B | -945.5M | -1.01B | -1.24B | -196.54M | -257.44M |
| Operating CF Margin % | 8.46% | -74.23% | 5.75% | -129.87% | 2.07% | -19.85% | -119% | -56.28% | 86.96% | -28.95% | -355.12% | -307.28% | -364.11% | -435.43% | -620.52% | -242.87% | -285.8% | -406.92% | -67.02% | -99.26% |
| Operating CF Growth % | 453.9% | -395.33% | 106.21% | -202.85% | -97.09% | 19.29% | 56.32% | 76.71% | 133.36% | 89.75% | 6.73% | -119.98% | -118.82% | -95.65% | -1365.53% | -267.27% | -397.37% | -23971.19% | 77.65% | -310.8% |
| Net Income | 166.73M | 173.55M | 139.39M | 97.26M | 71.12M | 332.47M | 60.74M | 17.4M | 88.04M | 47.91M | -266.68M | -47.55M | -34.42M | -40.01M | -74.21M | -95.83M | -110.36M | -111.01M | -30.05M | -165.31M |
| Depreciation & Amortization | 67.58M | 65.85M | 59.24M | 56.74M | 55.28M | 53.55M | 51.79M | 49.62M | 48.54M | 53.45M | 52.52M | 50.13M | 45.32M | 42.35M | 40.25M | 38.06M | 30.7M | 26.53M | 24.07M | 24.99M |
| Stock-Based Compensation | 0 | 68.58M | 66.47M | 63.26M | 63.76M | 66.37M | 63.65M | 61.06M | 55.08M | 69.11M | 62.01M | 75.88M | 64.23M | 70.98M | 77.86M | 80.14M | 77.02M | 77.08M | 72.68M | 52.15M |
| Deferred Taxes | 0 | 0 | 7.39M | 10.38M | 8.79M | -283.98M | 176K | -2.14M | -967K | -9.49M | -887K | -5.51M | 68K | 922K | -2.1M | -2.28M | -40K | 505K | 62K | 14K |
| Other Non-Cash Items | 69.36M | -81.47M | 1.35B | -119.76M | -77.35M | 11.56M | -85.09M | -13.37M | -81.45M | -53.97M | 274.57M | 18.24M | 11.13M | 22.8M | 29.81M | 23.76M | 29.9M | 18.39M | -57.92M | 75.65M |
| Working Capital Changes | -184.57M | -1.22B | -1.55B | -1.57B | -100.09M | -380.07M | -1.26B | -596.94M | 629M | -354.94M | -2.81B | -2.17B | -2.3B | -2.52B | -2.95B | -989.34M | -1.04B | -1.25B | -205.39M | -244.93M |
| Change in Receivables | 0 | -24.47M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -33.85M | 0 | 0 | -2.44M | 101.02M | -6.04M | 43.87M | -6.86M | -7.41M | 26.04M | -4.96M | 38.23M | -17.22M | -21.9M | -8.64M | 6.56M | 30.34M | -27.06M | -15.82M | 40.22M |
| Cash from Investing | -4.83B | -2.1B | -2.84B | -1.72B | -1.44B | -1.28B | -84M | -2.19B | -1.26B | -1.41B | -168.51M | -267.67M | -40.15M | -51.41M | -50.01M | -54.8M | 49.88M | 30.66M | -159.8M | 58.39M |
| Capital Expenditures | -68.78M | -66.4M | -63.16M | -63.47M | -52.6M | -42.26M | -43.31M | -36.71M | -31.98M | -34.29M | -28.04M | -25.35M | -23.72M | -17.23M | -23.44M | -21.9M | -25.11M | -13.82M | -11.64M | -19.36M |
| CapEx % of Revenue | 4.88% | 4.97% | 4.98% | 5.62% | 5.07% | 4.19% | 4.39% | 4.27% | 3.77% | 4% | 3.71% | 3.75% | 3.9% | 3.1% | 5.05% | 5.63% | 7.1% | 4.55% | 3.97% | 7.47% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investments | 45.4B | 40.94B | 37.41B | 34.59B | 31.25B | 29.84B | 28.17B | 26.83B | 24.17B | 23.79B | 21.93B | 19.11B | 16.55B | 14.32B | 11.66B | 8.7B | 7.75B | 6.68B | 5.47B | 5.14B |
| Other Investing | 0 | -1.98B | 392.61M | -1.46B | -1.16B | -912.85M | -41.15M | -1.57B | -992.73M | -1.27B | -37.43M | -34.74M | -32.36M | -54.16M | -50.76M | -50.98M | -33.88M | 0 | 0 | 0 |
| Cash from Financing | 3.11B | 4.7B | 3.8B | 3.19B | 1.43B | 1.22B | 1.5B | 1.26B | 1.06B | 1.98B | 2.65B | 2.87B | 3.38B | 3.05B | 3.19B | 297.07M | 1.9B | 1.12B | 441.91M | 269.2M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 89.64M | 1.5B | 1.72B | 0 | 195K | 20.64M | 138K | -323.23M | 0 | -20.38M | 0 | 0 | 0 | -20.38M | 0 | 0 | 0 | -20.38M | 0 | -150M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -20.38M | 0 | 0 | 0 | -20.38M | 0 | 0 | 0 | -20.38M | 0 | 0 |
| Share Repurchases | -115K | 1.62M | -1.62M | 0 | 0 | 0 | 0 | -323.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -150M |
| Other Financing | 3.03B | 4.1B | 3.31B | 2.29B | 1.47B | 1.29B | 1.35B | 1.38B | 2.81B | 2.95B | 2.9B | 2.61B | 2.75B | 2.31B | 2.36B | 1.51B | 957.94M | -3.61M | 8.02M | 1.94B |
| Net Change in Cash | -1.6B | 1.61B | 1.03B | -1.53M | 6.78M | -260.4M | 238.13M | -1.42B | 532.33M | 318.56M | -204.11M | 523.61M | 1.13B | 584.87M | 262.5M | -703.28M | 933.77M | -85.79M | 85.78M | 69.89M |
| Free Cash Flow | 50.32M | -1.06B | 9.78M | -1.53B | -32.75M | -244.33M | -1.22B | -523.84M | 704.14M | -284.59M | -2.72B | -2.11B | -2.24B | -2.45B | -2.91B | -970.41M | -1.04B | -1.25B | -208.17M | -276.81M |
| FCF Margin % | 3.57% | -79.31% | 0.77% | -135.71% | -3.16% | -24.24% | -123.65% | -60.87% | 82.94% | -33.23% | -359.14% | -311.35% | -368.48% | -440.43% | -626.11% | -249.26% | -292.9% | -411.47% | -70.99% | -106.72% |
| FCF Growth % | 253.67% | -333.38% | 100.8% | -192.63% | -104.65% | 14.14% | 55.12% | 75.14% | 131.44% | 88.37% | 6.51% | -117.18% | -116.08% | -95.71% | -1296.07% | -250.58% | -411.58% | -71212.32% | 76.56% | -333.01% |
| FCF per Share | 0.04 | -0.79 | 0.01 | -1.29 | -0.03 | -0.21 | -1.10 | -0.49 | 0.68 | -0.28 | -2.86 | -2.25 | -2.41 | -2.65 | -3.17 | -1.07 | -1.22 | -1.53 | -0.26 | -0.76 |
| FCF Conversion (FCF/Net Income) | 0.71x | -5.71x | 0.52x | -15.08x | 0.30x | -0.60x | -19.32x | -27.83x | 8.39x | -5.17x | 10.07x | 43.74x | 64.28x | 60.46x | 38.81x | 9.87x | 9.16x | 11.14x | 6.54x | 1.56x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |