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| 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 |