SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026)
SoFi Technologies (SOFI) recorded quarterly Free Cash Flow of -$2.4 billion in Q1 2026, down 125.28% quarter-over-quarter from -$1.1 billion in Q4 2025, and down 7560.42% on a YoY basis from $31.9 million in Q1 2025.
SoFi Technologies (SOFI) Free Cash Flow (2020 - 2026) Analysis & Trends
SoFi Technologies' Free Cash Flow history runs 7 years deep, the most recent figure standing at -$2.4 billion for 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 was -$2.4 billion for Q1 2026 at SoFi Technologies, down from -$1.1 billion in the prior quarter.
- In the past five years, Free Cash Flow ranged from a high of $706.3 million in Q1 2024 to a low of -$2.9 billion in Q3 2022.
- Historically, Free Cash Flow has averaged -$1.3 billion across 5 years, with a median of -$1.2 billion in 2024.
- The sharpest annual moves came in 2024 and 2026: Free Cash Flow jumped 131.58% in 2024, then tumbled 7560.42% in 2026.
- A 5-year view of Free Cash Flow shows it stood at -$2.4 billion in 2022, then surged by 88.44% to -$282.2 million in 2023, then climbed by 14.13% to -$242.4 million in 2024, then plunged by 336.35% to -$1.1 billion in 2025, then sank 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 | 548.22 Bn | 535.81 Bn | - | 2.63 Bn |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 2.82 Bn |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 2.66 Bn |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 5.47 Bn |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 903.00 Mn |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 2.18 Bn |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 22.68 Bn |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | -2.38 Bn |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 1.37 Bn |
| 10 | Credit Acceptance | 6.63 Bn | 6.61 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 |