SoFi Technologies annual net debt
2020
2021
2022
2023
2024
2025
SoFi Technologies Net Debt Growth & History (SOFI)
SoFi Technologies's net debt was −$3.00B for fiscal 2025.
View full SoFi Technologies company overviewSoFi Technologies annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | −$3.00B | −$3.66B | — |
| 2024 | 2024-12-31 | $665.3M | −$1.60B | −70.69% |
| 2023 | 2023-12-31 | $2.27B | −$1.93B | −45.89% |
| 2022 | 2022-12-31 | $4.20B | $589.2M | +16.34% |
| 2021 | 2021-12-31 | $3.61B | −$23.7M | −0.65% |
| 2020 | 2020-12-31 | $3.63B | — | — |
SoFi Technologies quarterly net debt
Q4.20
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 | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $278.4M | −$1.63B | −85.44% |
| Q1 2026 | 2026-03-31 | −$1.49B | −$2.54B | — |
| Q4 2025 | 2025-12-31 | −$3.00B | −$3.66B | — |
| Q3 2025 | 2025-09-30 | −$439.4M | −$1.37B | — |
| Q2 2025 | 2025-06-30 | $1.91B | $1.04B | +119.01% |
| Q1 2025 | 2025-03-31 | $1.05B | $1.75B | — |
| Q4 2024 | 2024-12-31 | $665.3M | −$1.60B | −70.69% |
| Q3 2024 | 2024-09-30 | $926.3M | −$2.61B | −73.84% |
| Q2 2024 | 2024-06-30 | $872.8M | −$2.71B | −75.65% |
| Q1 2024 | 2024-03-31 | −$696.5M | −$4.45B | — |
| Q4 2023 | 2023-12-31 | $2.27B | −$1.93B | −45.89% |
| Q3 2023 | 2023-09-30 | $3.54B | −$214.2M | −5.70% |
| Q2 2023 | 2023-06-30 | $3.58B | $435.9M | +13.85% |
| Q1 2023 | 2023-03-31 | $3.75B | $25.6M | +0.69% |
| Q4 2022 | 2022-12-31 | $4.20B | $589.2M | +16.34% |
| Q3 2022 | 2022-09-30 | $3.76B | $1.38B | +58.00% |
| Q2 2022 | 2022-06-30 | $3.15B | $1.15B | +57.91% |
| Q1 2022 | 2022-03-31 | $3.73B | — | — |
| Q4 2021 | 2021-12-31 | $3.61B | −$23.7M | −0.65% |
| Q3 2021 | 2021-09-30 | $2.38B | — | — |
| Q2 2021 | 2021-06-30 | $1.99B | — | — |
| Q4 2020 | 2020-12-31 | $3.63B | — | — |
SoFi Technologies net debt trends
Over the last five fiscal years, SoFi Technologies's net debt decreased from $3.63B to −$3.00B, a change of −$6.63B. The latest reported quarter, Q2 2026, shows $278.4M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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