SoFi Technologies (SOFI) Net Cash Flow (2020 - 2026)

SoFi Technologies (SOFI) recorded quarterly Net Cash Flow of -$1.6 billion in Q1 2026, down 199.08% quarter-over-quarter from $1.6 billion in Q4 2025, and down 22736.59% on a YoY basis from N/an in Q1 2025.

SoFi Technologies (SOFI) Net Cash Flow (2020 - 2026) Analysis & Trends

SoFi Technologies' Net Cash Flow history runs 7 years deep, the most recent figure standing at -$1.6 billion for 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 was -$1.6 billion for Q1 2026 at SoFi Technologies, down from $1.6 billion in the prior quarter.
  • In the past five years, Net Cash Flow ranged from a high of $1.6 billion in Q4 2025 to a low of -$1.6 billion in Q1 2026.
  • Historically, Net Cash Flow has averaged $176.0 million across 5 years, with a median of $262.2 million in 2022.
  • The sharpest annual moves came in 2022 and 2026: Net Cash Flow soared 779.85% in 2022, then sank 22736.59% in 2026.
  • A 5-year view of Net Cash Flow shows it stood at $584.5 million in 2022, then sank by 45.58% to $318.1 million in 2023, then slumped by 181.79% to -$260.2 million in 2024, then soared by 718.72% to $1.6 billion in 2025, then sank by 199.08% to -$1.6 billion in 2026.
  • The last three Net Cash Flow figures came in at -$1.6 billion (Q1 2026), $1.6 billion (Q4 2025), and $1.0 billion (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Cash Flow (Qtr)
1 Visa 548.22 Bn 535.81 Bn - -4.28 Bn
2 Mastercard 437.48 Bn 427.27 Bn - -2.37 Bn
3 American Express 231.87 Bn 177.83 Bn 17.43 Bn 5.91 Bn
4 Capital One Financial 125.74 Bn 49.24 Bn - 17.16 Bn
5 PayPal Holdings 38.80 Bn 29.46 Bn 7.84 Bn -1.53 Bn
6 Synchrony Financial 25.78 Bn 5.22 Bn - 5.59 Bn
7 Affirm Holdings 24.65 Bn 22.93 Bn 261.64 Mn 383.32 Mn
8 SoFi Technologies 22.89 Bn 19.49 Bn 929.25 Mn -1.59 Bn
9 Ally Financial 14.15 Bn 13.70 Bn 1.98 Bn -577.00 Mn
10 Credit Acceptance 6.63 Bn 6.61 Bn 562.70 Mn 1.90 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