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
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $619M | $481M | 1.7% | 0.0% | 4.6% | 1.0% | -$4.0B | $1.8B | $4.9B |
| 2024 | $503M | $499M | 8.2% | 0.0% | 7.6% | 1.4% | -$1.3B | $3.1B | $2.5B |
| 2023 | $421M | -$301M | 9.8% | 0.0% | -5.7% | -1.0% | -$7.3B | $5.2B | $3.1B |
| 2022 | $377M | -$320M | 16.9% | 0.0% | -6.2% | -1.7% | -$7.3B | $5.5B | $1.4B |
| 2021 | $248M | -$484M | -3.7% | 0.0% | -11.1% | -5.3% | -$1.4B | $3.9B | $495M |
| 2020 | $103M | -$224M | -73.1% | 0.0% | 186.5% | -2.6% | -$504M | $4.8B | $873M |
| 2019 | $5M | -$240M | -2473.6% | 0.0% | 70.7% | — | -$92M | — | $499M |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $154M | $157M | -30.3% | 0.0% | 1.4% | 0.3% | -$4.0B | $3.3B | $3.1B |
| Mar '26 | $130M | $167M | -32.1% | 0.0% | 1.5% | 0.3% | -$2.4B | $1.8B | $3.4B |
| Dec '25 | $170M | $174M | 5.1% | 0.0% | 1.7% | 0.3% | -$1.1B | $1.8B | $4.9B |
| Sep '25 | $157M | $139M | -3.0% | 0.0% | 1.6% | 0.3% | -$1.4B | $2.7B | $3.2B |
| Jun '25 | $152M | $97M | 1.0% | 0.0% | 1.4% | 0.2% | -$1.5B | $3.9B | $2.1B |
| Mar '25 | $140M | $71M | 3.5% | 0.0% | 1.1% | 0.2% | -$31M | $3.0B | $2.1B |
| Dec '24 | $136M | $332M | 5.4% | 0.0% | 5.1% | 0.9% | -$242M | $3.1B | $2.5B |
| Sep '24 | $131M | $61M | 5.7% | 0.0% | 1.0% | 0.2% | -$1.2B | $3.2B | $2.4B |
| Jun '24 | $121M | $17M | 9.2% | 0.0% | 0.3% | 0.1% | -$521M | $3.1B | $2.3B |
| Mar '24 | $116M | $88M | 13.4% | 0.0% | 1.5% | 0.3% | $706M | $2.9B | $3.7B |
| Dec '23 | $116M | $48M | 10.6% | 0.0% | 0.9% | 0.2% | -$282M | $5.2B | $3.1B |
| Sep '23 | $105M | -$267M | 6.4% | 0.0% | -5.3% | -1.0% | -$2.7B | $6.2B | $2.8B |
| Jun '23 | $105M | -$48M | 10.3% | 0.0% | -0.9% | -0.2% | -$2.1B | $6.5B | $3.0B |
| Mar '23 | $95M | -$34M | 12.1% | 0.0% | -0.7% | -0.2% | -$2.2B | $6.1B | $2.5B |
| Dec '22 | $100M | -$40M | 19.1% | 0.0% | -0.8% | -0.2% | -$2.4B | $5.5B | $1.4B |
| Sep '22 | $102M | -$74M | 18.5% | 0.0% | -1.4% | -0.5% | -$2.9B | $4.6B | $935M |
| Jun '22 | $98M | -$96M | 19.6% | 0.0% | -1.8% | -0.8% | -$967M | $3.7B | $707M |
| Mar '22 | $77M | -$110M | 8.5% | 0.0% | -2.1% | -0.9% | -$1.0B | $4.9B | $1.3B |
| Dec '21 | $71M | -$111M | 2.3% | 0.0% | -2.5% | -1.2% | -$1.3B | $3.9B | $495M |
| Sep '21 | $61M | -$30M | -13.7% | 0.0% | -0.7% | -0.4% | -$208M | $2.8B | $534M |
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 39.9× (Dec '24) to 44.5× (Nov '26).
- The price-to-sales ratio has risen from 20.8× (Mar '23) to 34.6× (Nov '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?
Sofi Technologies, Inc.'s P/E (TTM) is 33.68 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the SOFI stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 44.5× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.