SoFi Technologies (SOFI) Net Cash Flow (2020 - 2026)
SoFi Technologies (SOFI) posted quarterly Net Cash Flow of -$1.6 billion for Q1 2026, down 22736.59% year-over-year from N/an in Q1 2025, and down 199.08% on a QoQ basis from $1.6 billion in Q4 2025.
SoFi Technologies (SOFI) Net Cash Flow (2020 - 2026) Analysis & Trends
SoFi Technologies (SOFI) has reported Net Cash Flow for 7 consecutive years, with -$1.6 billion the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Cash Flow fell 22736.59% year-over-year to -$1.6 billion; the TTM figure through Mar 2026 stood at $1.0 billion (up 173.06% YoY), while the FY2025 annual figure was $2.6 billion, up 392.18% from the prior year.
- Net Cash Flow came in at -$1.6 billion for Q1 2026 at SoFi Technologies, down from $1.6 billion in the prior quarter.
- The five-year high for Net Cash Flow was $1.6 billion in Q4 2025, with the low at -$1.6 billion in Q1 2026.
- Average Net Cash Flow over 5 years is $176.0 million, with a median of $262.2 million recorded in 2022.
- Across the five-year window, Net Cash Flow soared 779.85% in 2022 and slumped 22736.59% in 2026, its largest moves.
- Year by year, Net Cash Flow stood at $584.5 million in 2022, then slumped by 45.58% to $318.1 million in 2023, then tumbled by 181.79% to -$260.2 million in 2024, then soared by 718.72% to $1.6 billion in 2025, then slumped by 199.08% to -$1.6 billion in 2026.
- According to Business Quant data, Net Cash Flow over the past three periods registered -$1.6 billion, $1.6 billion, and $1.0 billion for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | NCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | -4.28 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | -2.37 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 5.91 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | -1.53 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 383.32 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -1.59 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | -577.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.90 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | -56.65 Mn |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 44.99 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -1.59 Bn |
| Mar 31, 2026 | -1.59 Bn |
| Dec 31, 2025 | 1.61 Bn |
| Dec 31, 2025 | 1.61 Bn |
| Sep 30, 2025 | 1.03 Bn |
| Sep 30, 2025 | 1.03 Bn |
| Jun 30, 2025 | -970,000.00 |
| Jun 30, 2025 | -970,000.00 |
| Mar 31, 2025 | 7.05 Mn |
| Mar 31, 2025 | 7.05 Mn |
| Dec 31, 2024 | -260.15 Mn |
| Dec 31, 2024 | -260.15 Mn |
| Sep 30, 2024 | 237.56 Mn |
| Sep 30, 2024 | 237.56 Mn |
| Jun 30, 2024 | -1.42 Bn |
| Jun 30, 2024 | -1.42 Bn |
| Mar 31, 2024 | 532.51 Mn |
| Mar 31, 2024 | 532.51 Mn |
| Dec 31, 2023 | 318.09 Mn |
| Dec 31, 2023 | 318.09 Mn |