SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly Free Cash Flow of -$2.4 billion for Q1 2026, down 7560.42% year-over-year from $31.9 million in Q1 2025, and down 125.28% on a QoQ basis from -$1.1 billion in Q4 2025.
SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported Free Cash Flow for 7 consecutive years, with -$2.4 billion the latest figure, recorded in Q1 2026.
- In Q1 2026, Free Cash Flow fell 7560.42% year-over-year to -$2.4 billion; the TTM figure through Mar 2026 stood at -$6.3 billion (down 215.02% YoY), while the FY2025 annual figure was -$4.0 billion, down 212.77% from the prior year.
- Free Cash Flow came in at -$2.4 billion for Q1 2026 at SoFi Technologies, 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.
- Across the five-year window, Free Cash Flow jumped 131.58% in 2024 and plunged 7560.42% in 2026, its largest moves.
- Year by year, Free Cash Flow stood at -$2.4 billion in 2022, then surged by 88.44% to -$282.2 million in 2023, then rose by 14.13% to -$242.4 million in 2024, then sank by 336.35% to -$1.1 billion in 2025, then slumped by 125.28% to -$2.4 billion in 2026.
- According to Business Quant data, Free Cash Flow over the past three periods registered -$2.4 billion, -$1.1 billion, and -$1.4 billion for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 2.63 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 2.82 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.66 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 903.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 22.68 Bn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -2.38 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 1.37 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 268.90 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 66.48 Mn |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 88.63 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 |