SoFi Technologies annual free cash flow
2019
2020
2021
2022
2023
2024
2025
SoFi Technologies Free Cash Flow (FCF) History (SOFI)
SoFi Technologies reported −$3.98B in free cash flow for fiscal 2025, a decrease of $2.71B from the previous fiscal year, with a free cash flow margin of −643.40%.
View full SoFi Technologies company overviewSoFi Technologies free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | −$3.98B | −$2.71B | — | −643.40% |
| 2024 | 2024-12-31 | −$1.27B | $6.06B | — | −253.23% |
| 2023 | 2023-12-31 | −$7.34B | $10.5M | — | −1741.25% |
| 2022 | 2022-12-31 | −$7.35B | −$5.95B | — | −1948.86% |
| 2021 | 2021-12-31 | −$1.40B | −$898.6M | — | −566.16% |
| 2020 | 2020-12-31 | −$503.9M | −$411.6M | — | −487.64% |
| 2019 | 2019-12-31 | −$92.3M | — | — | −2042.54% |
SoFi Technologies quarterly free cash flow
Q3.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | −$3.99B | −$2.46B | — | −2596.10% |
| Q1 2026 | 2026-03-31 | −$2.38B | −$2.35B | — | −1839.75% |
| Q4 2025 | 2025-12-31 | −$1.06B | −$815.2M | — | −621.04% |
| Q3 2025 | 2025-09-30 | −$1.37B | −$149.0M | — | −871.13% |
| Q2 2025 | 2025-06-30 | −$1.53B | −$1.01B | — | −1007.55% |
| Q1 2025 | 2025-03-31 | −$31.1M | −$737.4M | — | −22.16% |
| Q4 2024 | 2024-12-31 | −$242.4M | $39.9M | — | −178.86% |
| Q3 2024 | 2024-09-30 | −$1.22B | $1.50B | — | −927.33% |
| Q2 2024 | 2024-06-30 | −$521.1M | $1.58B | — | −431.42% |
| Q1 2024 | 2024-03-31 | $706.3M | $2.94B | — | +610.91% |
| Q4 2023 | 2023-12-31 | −$282.2M | $2.16B | — | −242.61% |
| Q3 2023 | 2023-09-30 | −$2.71B | $189.2M | — | −2586.68% |
| Q2 2023 | 2023-06-30 | −$2.11B | −$1.14B | — | −2010.90% |
| Q1 2023 | 2023-03-31 | −$2.24B | −$1.20B | — | −2342.31% |
| Q4 2022 | 2022-12-31 | −$2.44B | −$1.19B | — | −2450.15% |
| Q3 2022 | 2022-09-30 | −$2.90B | −$2.70B | — | −2846.70% |
| Q2 2022 | 2022-06-30 | −$967.4M | −$690.6M | — | −982.93% |
| Q1 2022 | 2022-03-31 | −$1.04B | −$1.37B | — | −1345.51% |
| Q4 2021 | 2021-12-31 | −$1.25B | −$1.24B | — | −1764.41% |
| Q3 2021 | 2021-09-30 | −$208.2M | — | — | −340.22% |
| Q2 2021 | 2021-06-30 | −$276.8M | — | — | −450.44% |
| Q1 2021 | 2021-03-31 | $332.6M | — | — | +613.36% |
| Q3 2020 | 2020-09-30 | −$8.8M | — | — | −22.54% |
SoFi Technologies free cash flow growth trends
Over the last five reported fiscal years, free cash flow declined from −$503.9M to −$3.98B, a net decrease of $3.48B. SoFi Technologies's latest reported quarter, Q2 2026, generated −$3.99B in free cash flow, a decrease of $2.46B year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review SoFi Technologies filings at SEC.gov ↗