SoFi Technologies SOFI
NASDAQ SOFI
$16.96 +0.23 (+1.37%)
At close: Sep 18, 2026 · 4:00 PM EDT

SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026)

SoFi Technologies (SOFI) posted Free Cash Flow of -$4.0 billion for Q2 2026, down 67.34% on a QoQ basis from -$2.4 billion in Q1 2026, and down 160.53% year-over-year from $6.6 billion in Q2 2025.

Analysis

SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026) Analysis & Trends

SoFi Technologies has reported Free Cash Flow for 7 years, with the latest figure at -$4.0 billion in Q2 2026.

  • On a quarterly basis, Free Cash Flow fell 160.53% year-over-year to -$4.0 billion in Q2 2026; TTM through Jun 2026 was -$8.8 billion, a 191.09% decrease from a year earlier, with the FY2025 full-year figure at -$4.0 billion, down 212.77% from the prior year.
  • Free Cash Flow was -$4.0 billion for Q2 2026 at SoFi Technologies, down from -$2.4 billion in the prior quarter.
  • The five-year high for Free Cash Flow was $706.3 million in Q1 2024, with the low at -$4.0 billion in Q2 2026.
  • Average Free Cash Flow over 5 years is -$1.5 billion, with a median of -$1.3 billion recorded in 2024.
  • The sharpest annual moves came in 2024 and 2026: Free Cash Flow surged 131.58% in 2024, then slumped 7560.42% in 2026.
  • Over 5 years, Free Cash Flow stood at -$2.4 billion in 2022, then soared by 88.44% to -$282.2 million in 2023, then grew by 14.13% to -$242.4 million in 2024, then tumbled by 336.35% to -$1.1 billion in 2025, then tumbled by 277.0% to -$4.0 billion in 2026.
  • The last three Free Cash Flow figures came in at -$4.0 billion (Q2 2026), -$2.4 billion (Q1 2026), and -$1.1 billion (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Bank Of America 405.01 Bn -183.49 Bn 30.39 Bn 29.04 Bn
2 Morgan Stanley 318.33 Bn 158.20 Bn - -3.57 Bn
3 Royal Bank Of Canada 284.62 Bn 57.78 Bn - 25.17 Bn
4 Goldman Sachs 274.43 Bn -701.92 Bn - 5.60 Bn
5 Mitsubishi Ufj Financial 274.26 Bn -110.06 Bn 10.89 Bn -
6 Wells Fargo & Company 260.84 Bn 59.01 Bn - 6.78 Bn
7 American Express 210.32 Bn 161.00 Bn 17.99 Bn 4.47 Bn
8 Banco Santander 210.20 Bn 217.82 Bn 28.01 Bn 221.87 Bn
9 Toronto Dominion Bank 206.68 Bn 45.35 Bn - 5.84 Bn
10 SoFi Technologies 21.88 Bn 18.76 Bn 1.02 Bn -3.99 Bn
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 -3.99 Bn
Mar 31, 2026 -2.38 Bn
Dec 31, 2025 -1.06 Bn
Sep 30, 2025 -1.37 Bn
Jun 30, 2025 -1.53 Bn
Mar 31, 2025 -31.10 Mn
Dec 31, 2024 -242.37 Mn
Sep 30, 2024 -1.22 Bn
Jun 30, 2024 -521.08 Mn
Mar 31, 2024 706.26 Mn
Dec 31, 2023 -282.24 Mn
Sep 30, 2023 -2.71 Bn
Jun 30, 2023 -2.11 Bn
Mar 31, 2023 -2.24 Bn
Dec 31, 2022 -2.44 Bn
Sep 30, 2022 -2.90 Bn
Jun 30, 2022 -967.40 Mn
Mar 31, 2022 -1.04 Bn
Dec 31, 2021 -1.25 Bn
Sep 30, 2021 -208.17 Mn