SoFi Technologies, Inc.

SOFINASDAQFinancial Services● Active

$16.51

+$0.48(+2.96%)

Market Cap$21.2B

P/E Ratio—

52W High$32.73

52W Low$13.46

Avg Volume67.1M

Open$16.18

Beta2.15

Overview

SoFi Technologies, Inc. (SOFI) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

SOFI · free cash flow · updated Jun 8, 2026

Core FCF metrics

SOFI · FCF · TTM · margin & CAGR

Free cash flow was −$3.98B for FY2025 (fiscal year ending 2025-12-31), down 210.5% year-over-year The FCF margin was -83.5%.

FY2025 Free Cash Flow−$3.98B▼ -210.5% YoY

Trailing 12M (TTM)−$2.53Btrailing 4 quarters sum

FCF Margin-83.5%−$3.98B ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

SOFI · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest−$3.74B(242M)−$3.98B▼ 210.5%-83.5%

FY2024−$1.12B(164M)−$1.28B▲ +82.5%-34.6%

FY2023−$7.23B(121M)−$7.35B▲ +0.2%-253.6%

FY2022−$7.26B(104M)−$7.36B▼ 424.8%-417.5%

FY2021−$1.35B(52M)−$1.40B▼ 178.3%-128.9%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

SOFI · P/FCF · FCF yield · FCF per share

SoFi Technologies, Inc. (SOFI) reported negative free cash flow of −$3.98B. FCF-based valuation ratios are not meaningful when FCF is negative.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

FCF-based valuation ratios are only meaningful when free cash flow is positive. Negative FCF indicates capital expenditures exceeded operating cash flow.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

SOFI · cash flow statement · operating / investing / financing

For FY2025, SoFi Technologies, Inc. generated −$3.74B in operating cash flow and spent 242M in capital expenditures, yielding −$3.98B in free cash flow.

Operating Activities

−$3.74B

Cash from core business operations

2025-12-31

Investing Activities

−$6.72B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$13.11B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF (−$3.74B) − |CapEx| (242M) = FCF (−$3.98B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

SOFI vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

SoFi Technologies, Inc.YOU

SOFI

−$3.98B-210.5%-83.5%

Loss

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

SoFi Technologies, Inc. (SOFI) reported free cash flow of −$3.98B for FY2025 (fiscal year ending 2025-12-31), down 210.5% year-over-year. The FCF margin was -83.5%.

Based on available data, SoFi Technologies, Inc. has maintained positive free cash flow for at least 2 fiscal year(s). FCF peaked at $1.01B in FY2018.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

SOFI free cash flow · 8 questions

SoFi Technologies, Inc. free cash flow was −$3.98B for FY2025, down 210.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at −$2.53B.

SOFI free cash flowSOFI FCFSOFI FCF 2025SOFI free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · SoFi Technologies, Inc. · SoFi Technologies, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026