SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026)
SoFi Technologies' quarterly Free Cash Flow came in at -$2.4 billion in Q1 2026, down 7560.42% year-on-year from $31.9 million in Q1 2025, and down 125.28% quarter-over-quarter from -$1.1 billion in Q4 2025.
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 -$2.4 billion in Q1 2026.
- For the quarter ending Q1 2026, Free Cash Flow fell 7560.42% year-over-year to -$2.4 billion; the trailing twelve-month figure through Mar 2026 stood at -$6.3 billion (down 215.02% YoY), and the FY2025 full-year result was -$4.0 billion, down 212.77% from the prior year.
- Free Cash Flow for Q1 2026 stood at -$2.4 billion, down from -$1.1 billion in the prior quarter.
- The five-year high for Free Cash Flow was $706.3 million in Q1 2024, with the low at -$2.9 billion in Q3 2022.
- Average Free Cash Flow over 5 years is -$1.3 billion, with a median of -$1.2 billion recorded in 2024.
- Year-over-year, Free Cash Flow soared 131.58% in 2024 and tumbled 7560.42% in 2026.
- Tracing SOFI's Free Cash Flow over 5 years: 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 plunged by 125.28% to -$2.4 billion in 2026.
- The last three Free Cash Flow figures came in at -$2.4 billion (Q1 2026), -$1.1 billion (Q4 2025), and -$1.4 billion (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 2.63 Bn |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 2.82 Bn |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 2.66 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 5.47 Bn |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 903.00 Mn |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 22.68 Bn |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 2.18 Bn |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | -2.38 Bn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 1.37 Bn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 268.90 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -2.38 Bn |
| Mar 31, 2026 | -2.38 Bn |
| Dec 31, 2025 | -1.06 Bn |
| Dec 31, 2025 | -1.06 Bn |
| Sep 30, 2025 | -1.37 Bn |
| Sep 30, 2025 | -1.37 Bn |
| Jun 30, 2025 | -1.53 Bn |
| Jun 30, 2025 | -1.53 Bn |
| Mar 31, 2025 | -31.10 Mn |
| Mar 31, 2025 | -31.10 Mn |
| Dec 31, 2024 | -242.37 Mn |
| Dec 31, 2024 | -242.37 Mn |
| Sep 30, 2024 | -1.22 Bn |
| Sep 30, 2024 | -1.22 Bn |
| Jun 30, 2024 | -521.08 Mn |
| Jun 30, 2024 | -521.08 Mn |
| Mar 31, 2024 | 706.26 Mn |
| Mar 31, 2024 | 706.26 Mn |
| Dec 31, 2023 | -282.24 Mn |
| Dec 31, 2023 | -282.24 Mn |