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
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