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
DateValue
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