Companies: 10,795·Total market cap: $144.5T
SoFi Technologies, Inc.

SoFi Technologies, Inc.

SOFINASDAQFinancial Services● Active
$16.03
$-1.12(-6.53%)
Market Cap$20.6B
P/E Ratio—
52W High$32.73
52W Low$13.46
Overview

SoFi Technologies, Inc. (SOFI) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

SOFI · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$4.93B▲ +13.5% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$4.93B
cashAndCashEquivalents
Short-Term Investments
$0
shortTermInvestments
YoY Change vs Prior Year
+13.5%
vs prior fiscal year
Latest Quarter
$3.76B
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$4.93BCash on Hand
Total Debt$1.82BTotal Debt
Net Cash / Net Debt+$3.11BNet Cash Position
Cash vs Debt Ratio
Cash 73%Debt 27%

SoFi Technologies, Inc. has a net cash position of $3.11B, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$4.93B − $1.82B = +$3.11B

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
SOFI annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$4.93B+13.5%
Dec 31, 2024$4.34B+21.1%
Dec 31, 2023$3.59B+145.4%
Dec 31, 2022$1.46B+111.9%
Dec 31, 2021$689.6M-21.0%
SOFI cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T176.8%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-A
$373.31B35.4%#3
Visa Inc.
Visa Inc.
V
$21.99B3.5%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
SoFi Technologies, Inc.
SoFi Technologies, Inc.YOU
SOFI
$4.93B24.0%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

SoFi Technologies, Inc. (SOFI) cash on hand as of December 31, 2025 is $4.93B, comprising $4.93B in cash and cash equivalents (CCE) plus $0 in short-term investments — reported as SoFi Technologies, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as SoFi Technologies, Inc. cash reserves or cash position.

SoFi Technologies, Inc. annual cash on hand history shows increased +13.5% in 2025: increased +13.5% in 2025. SoFi Technologies, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

SoFi Technologies, Inc. carries total debt of $1.82B against cash of $4.93B, resulting in a net cash position of +$3.11B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

SOFI cash on hand · 5 questions

As of December 31, 2025, SoFi Technologies, Inc. (SOFI) has $4.93B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $4.93B in cash and cash equivalents (CCE) plus $0 in short-term investments. Latest quarter (March 31, 2026): $3.76B. Data sourced from the annual 10-K filing via FMP.

SOFI cash on handSOFI cash reservesSOFI cash 2025how much cash does SOFI have

▸ Source: FMP /balance-sheet-statement · US GAAP · SoFi Technologies, Inc. · SoFi Technologies, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025