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% quarter-over-quarter 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 fell to -$1.6 billion in Q1 2026 per SOFI's latest filing, from $1.6 billion in the prior quarter.
- Across five years, Net Cash Flow topped out at $1.6 billion in Q4 2025 and bottomed at -$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.
- Annual changes were most pronounced in 2022 — Net Cash Flow surged 779.85% — and 2026, when it plunged 22736.59%.
- SoFi Technologies' Net Cash Flow stood at $584.5 million in 2022, then plunged by 45.58% to $318.1 million in 2023, then sank by 181.79% to -$260.2 million in 2024, then surged by 718.72% to $1.6 billion in 2025, then plunged by 199.08% to -$1.6 billion in 2026.
- Business Quant data shows SOFI's Net Cash Flow at -$1.6 billion in Q1 2026, $1.6 billion in Q4 2025, and $1.0 billion in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | NCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 172.00 Mn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 3.22 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | -8.51 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | -23.38 Bn |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | -499.00 Mn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | -3.36 Bn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 383.32 Mn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -1.59 Bn |
| 10 | Ally Financial | 13.61 Bn | 5.77 Bn | 2.08 Bn | -1.60 Bn |
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 |