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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |