SoFi Technologies, Inc. (SOFI) quarterly income statement — complete revenue, gross profit & net income 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 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 1.09B | 1.02B | 952.4M | 844.91M | 766.08M | 727.25M | 687.78M | 586.98M | 578.62M | 588.74M | 515.38M | 485.4M | 463.75M | 441.73M | 407.66M | 352.42M | 317.38M | 280.92M | 269.61M | 230.79M |
| Gross Margin % | 77.5% | 76.37% | 75.11% | 74.8% | 73.89% | 72.16% | 69.74% | 68.2% | 68.15% | 68.74% | 68.13% | 71.71% | 76.31% | 79.52% | 87.83% | 90.53% | 89.7% | 92.47% | 91.94% | 88.98% |
| Gross Profit Growth % | 42.47% | 40.21% | 38.47% | 43.94% | 32.4% | 23.53% | 33.45% | 20.93% | 24.77% | 33.28% | 26.42% | 37.73% | 46.12% | 57.24% | 51.21% | 52.7% | 61.94% | 63.81% | 34.27% | 100.77% |
| Operating Expenses | 891.92M | 834.31M | 803.85M | 732.72M | 686.3M | 667.32M | 623.93M | 571.64M | 484.39M | 537.58M | 782.31M | 534.73M | 499.81M | 480.68M | 482.11M | 448.14M | 426.99M | 390.38M | 299.47M | 396.18M |
| OpEx % of Revenue | 63.33% | 62.49% | 63.39% | 64.87% | 66.19% | 66.21% | 63.27% | 66.42% | 57.05% | 62.77% | 103.41% | 79% | 82.24% | 86.53% | 103.86% | 115.11% | 120.68% | 128.49% | 102.13% | 152.75% |
| Selling, General & Admin | 533.12M | 499.86M | 475.28M | 430.13M | 394.57M | 390.18M | 363.82M | 329.77M | 312.61M | 306.39M | 311.18M | 314M | 298.84M | 286.79M | 288.33M | 269.68M | 274.64M | 254.87M | 155.45M | 266.17M |
| SG&A % of Revenue | 37.85% | 37.44% | 37.48% | 38.08% | 38.06% | 38.71% | 36.89% | 38.32% | 36.82% | 35.78% | 41.13% | 46.39% | 49.18% | 51.63% | 62.12% | 69.27% | 77.62% | 83.89% | 53.01% | 102.62% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 199.55M | 185.33M | 148.55M | 112.19M | 79.78M | 59.92M | 63.85M | 15.34M | 94.23M | 51.16M | -266.93M | -49.33M | -36.06M | -38.95M | -74.45M | -95.72M | -109.61M | -109.45M | -29.87M | -165.39M |
| Operating Margin % | 14.17% | 13.88% | 11.71% | 9.93% | 7.69% | 5.95% | 6.48% | 1.78% | 11.1% | 5.97% | -35.28% | -7.29% | -5.93% | -7.01% | -16.04% | -24.59% | -30.98% | -36.03% | -10.19% | -63.77% |
| Operating Income Growth % | 150.12% | 209.28% | 132.64% | 631.37% | -15.33% | 17.14% | 123.92% | 131.1% | 361.31% | 231.35% | -258.53% | 48.46% | 67.1% | 64.42% | -149.28% | 42.13% | 37.89% | -25% | 30.03% | -79.85% |
| EBITDA | 267.13M | 248.21M | 207.8M | 168.94M | 135.06M | 113.47M | 115.65M | 64.96M | 142.76M | 104.61M | -214.41M | 801K | 9.26M | 3.4M | -34.2M | -57.66M | -78.91M | -82.93M | -5.79M | -140.4M |
| EBITDA Margin % | 18.97% | 18.59% | 16.39% | 14.96% | 13.03% | 11.26% | 11.73% | 7.55% | 16.82% | 12.21% | -28.34% | 0.12% | 1.52% | 0.61% | -7.37% | -14.81% | -22.3% | -27.3% | -1.97% | -54.13% |
| EBITDA Growth % | 97.78% | 118.75% | 79.68% | 160.05% | -5.39% | 8.47% | 153.94% | 8010.24% | 1441.41% | 2973.06% | -526.97% | 101.39% | 111.74% | 104.1% | -490.54% | 58.93% | 47.57% | -33.58% | 67.85% | -82.33% |
| D&A (Non-Cash Add-back) | 67.58M | 62.88M | 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 |
| EBIT | 199.55M | 185.33M | 148.55M | 112.19M | 79.78M | 59.92M | 63.85M | 15.34M | 94.23M | 51.16M | -266.93M | -49.33M | -36.06M | -38.95M | -74.45M | -95.72M | -109.61M | -109.45M | -29.87M | -165.39M |
| Net Interest Income | 692.99M | 617.28M | 585.11M | 517.84M | 498.73M | 470.17M | 431.01M | 412.58M | 402.72M | 389.64M | 344.96M | 291.13M | 236.01M | 208.58M | 157.85M | 122.73M | 94.93M | 76.58M | 72.38M | 56.01M |
| Interest Income | 1B | 927.42M | 891.56M | 792.4M | 763.81M | 743.94M | 723.37M | 674.6M | 665.91M | 645.24M | 564.27M | 470M | 371.56M | 307.41M | 198.04M | 149.51M | 118.41M | 94.78M | 93.6M | 84.11M |
| Interest Expense | 308.01M | 310.14M | 306.45M | 274.57M | 265.09M | 273.77M | 292.36M | 262.01M | 263.19M | 255.6M | 219.31M | 178.87M | 135.55M | 98.82M | 40.19M | 26.78M | 23.48M | 18.21M | 21.23M | 28.1M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 199.55M | 185.33M | 148.55M | 112.19M | 79.78M | 59.92M | 63.85M | 15.34M | 94.23M | 51.16M | -266.93M | -49.33M | -36.06M | -38.95M | -74.45M | -95.72M | -109.61M | -109.45M | -29.87M | -165.39M |
| Pretax Margin % | 14.17% | 13.88% | 11.71% | 9.93% | 7.69% | 5.95% | 6.48% | 1.78% | 11.1% | 5.97% | -35.28% | -7.29% | -5.93% | -7.01% | -16.04% | -24.59% | -30.98% | -36.03% | -10.19% | -63.77% |
| Income Tax | 32.82M | 11.78M | 9.16M | 14.93M | 8.67M | -272.55M | 3.11M | -2.06M | 6.18M | 3.25M | -244K | -1.78M | -1.64M | 1.06M | -242K | 119K | 752K | 1.56M | 181K | -78K |
| Effective Tax Rate % | 16.45% | 6.36% | 6.17% | 13.31% | 10.86% | -454.82% | 4.87% | -13.46% | 6.56% | 6.34% | 0.09% | 3.61% | 4.54% | -2.71% | 0.33% | -0.12% | -0.69% | -1.42% | -0.61% | 0.05% |
| 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 |
| Net Margin % | 11.84% | 13% | 10.99% | 8.61% | 6.86% | 32.99% | 6.16% | 2.02% | 10.37% | 5.59% | -35.25% | -7.02% | -5.66% | -7.2% | -15.99% | -24.62% | -31.19% | -36.54% | -10.25% | -63.74% |
| Net Income Growth % | 134.45% | -47.8% | 129.47% | 458.85% | -19.23% | 593.91% | 122.78% | 136.6% | 355.78% | 219.76% | -259.37% | 50.38% | 68.81% | 63.96% | -146.98% | 42.03% | 37.85% | -34.37% | 29.92% | -2217.24% |
| Net Income (Continuing) | 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 |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.12 | 0.13 | 0.11 | 0.08 | 0.06 | 0.30 | 0.05 | 0.01 | 0.02 | 0.04 | -0.29 | -0.06 | -0.05 | -0.05 | -0.09 | -0.12 | -0.14 | -0.15 | -0.05 | -0.48 |
| EPS Growth % | 100% | -56.67% | 109.13% | - | 177.78% | 719.67% | 118.14% | 112.5% | 143.2% | 167.28% | -222.22% | 50% | 64.29% | 63.73% | -80% | 75% | 91.33% | 91.91% | 89.06% | -2385.63% |
| EPS (Basic) | 0.13 | 0.14 | 0.12 | 0.09 | 0.06 | 0.32 | 0.05 | 0.01 | 0.08 | 0.04 | -0.29 | -0.06 | -0.05 | -0.05 | -0.09 | -0.12 | -0.14 | -0.15 | -0.05 | -0.48 |
| Diluted Shares Outstanding | 1.38B | 1.35B | 1.29B | 1.18B | 1.19B | 1.15B | 1.1B | 1.07B | 1.04B | 1.03B | 951.18M | 936.57M | 929.27M | 922.94M | 916.76M | 910.05M | 852.85M | 814.51M | 800.57M | 365.04M |
| Basic Shares Outstanding | 1.28B | 1.22B | 1.17B | 1.1B | 1.1B | 1.09B | 1.07B | 1.06B | 982.62M | 962.69M | 951.18M | 936.57M | 929.27M | 922.94M | 916.76M | 910.05M | 852.85M | 814.51M | 800.57M | 365.04M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |