Growth & profitability
- Revenue has grown 43.1% per year over the past 5 years.
Financial health
- The company holds more cash ($4.9B) than total debt ($1.8B).
- Total debt has grown slower than revenue (-17.7% vs 43.1% per year).
SOFI Financials Sofi Technologies, Inc.
7 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | $619M | $481M | 1.7% | 0.0% | -$4.0B | $1.8B | $4.9B |
| 2024 | $503M | $499M | 8.2% | 0.0% | -$1.3B | $3.1B | $2.5B |
| 2023 | $421M | -$301M | 9.8% | 0.0% | -$7.3B | $5.2B | $3.1B |
| 2022 | $377M | -$320M | 16.9% | 0.0% | -$7.3B | $5.5B | $1.4B |
| 2021 | $248M | -$484M | -3.7% | 0.0% | -$1.4B | $3.9B | $495M |
| 2020 | $103M | -$224M | -73.1% | 0.0% | -$504M | $4.8B | $873M |
| 2019 | $5M | -$240M | -2473.6% | 0.0% | -$92M | — | $499M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | $130M | $167M | -32.1% | 0.0% | -$2.4B | $1.8B | $3.4B |
| Dec '25 | $170M | $174M | 5.1% | 0.0% | -$1.1B | $1.8B | $4.9B |
| Sep '25 | $157M | $139M | -3.0% | 0.0% | -$1.4B | $2.7B | $3.2B |
| Jun '25 | $152M | $97M | 1.0% | 0.0% | -$1.5B | $3.9B | $2.1B |
| Mar '25 | $140M | $71M | 3.5% | 0.0% | -$31M | $3.0B | $2.1B |
| Dec '24 | $136M | $332M | 5.4% | 0.0% | -$242M | $3.1B | $2.5B |
| Sep '24 | $131M | $61M | 5.7% | 0.0% | -$1.2B | $3.2B | $2.4B |
| Jun '24 | $121M | $17M | 9.2% | 0.0% | -$521M | $3.1B | $2.3B |
| Mar '24 | $116M | $88M | 13.4% | 0.0% | $706M | $2.9B | $3.7B |
| Dec '23 | $116M | $48M | 10.6% | 0.0% | -$282M | $5.2B | $3.1B |
| Sep '23 | $105M | -$267M | 6.4% | 0.0% | -$2.7B | $6.2B | $2.8B |
| Jun '23 | $105M | -$48M | 10.3% | 0.0% | -$2.1B | $6.5B | $3.0B |
| Mar '23 | $95M | -$34M | 12.1% | 0.0% | -$2.2B | $6.1B | $2.5B |
| Dec '22 | $100M | -$40M | 19.1% | 0.0% | -$2.4B | $5.5B | $1.4B |
| Sep '22 | $102M | -$74M | 18.5% | 0.0% | -$2.9B | $4.6B | $935M |
| Jun '22 | $98M | -$96M | 19.6% | 0.0% | -$967M | $3.7B | $707M |
| Mar '22 | $77M | -$110M | 8.5% | 0.0% | -$1.0B | $4.9B | $1.3B |
| Dec '21 | $71M | -$111M | 2.3% | 0.0% | -$1.3B | $3.9B | $495M |
| Sep '21 | $61M | -$30M | -13.7% | 0.0% | -$208M | $2.8B | $534M |
| Jun '21 | $61M | -$165M | 1.3% | 0.0% | -$277M | $2.3B | $462M |
Valuation over time
How the market has priced SOFI against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 39.6× (Dec '24) to 46.1× (Jun '26).
- The price-to-sales ratio has risen from 20.7× (Mar '23) to 35.8× (Jun '26).
P/E
P/S
Frequently asked questions
Is SOFI growing its revenue and profit?
Over the past 5 years, Sofi Technologies, Inc.'s revenue has grown 43.1% per year. These are computed facts, not advice.
How much debt does SOFI have?
As of FY2025, Sofi Technologies, Inc. reported $1.8B of total debt against $4.9B of cash.
What is SOFI's profit margin?
In FY2025, gross margin was 1.7%, operating margin —, and net margin 77.7%.
What is SOFI's P/E ratio?
As of Jun '26, Sofi Technologies, Inc. traded at a price-to-earnings ratio of about 46.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.