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
DateValue
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