SoFi Technologies (SOFI) Retained Earnings (2020 - 2026)
SoFi Technologies (SOFI) recorded quarterly Retained Earnings of -$2.7 million in Q1 2026, up 99.67% quarter-over-quarter from -$824.3 million in Q4 2025, and down 196.99% on a YoY basis from $2.8 million in Q1 2025.
SoFi Technologies (SOFI) Retained Earnings (2020 - 2026) Analysis & Trends
SoFi Technologies' Retained Earnings history runs 7 years deep, the most recent figure standing at -$2.7 million for Q1 2026.
- In Q1 2026, Retained Earnings fell 196.99% year-over-year to -$2.7 million; the TTM figure through Mar 2026 stood at -$2.7 million (down 196.99% YoY), while the FY2025 annual figure was -$824.3 million, up 36.87% from the prior year.
- Retained Earnings was -$2.7 million for Q1 2026 at SoFi Technologies, up from -$824.3 million in the prior quarter.
- In the past five years, Retained Earnings ranged from a high of $3.6 million in Q2 2025 to a low of -$1.9 billion in Q3 2023.
- Historically, Retained Earnings has averaged -$747.5 million across 5 years, with a median of -$824.3 million in 2025.
- The sharpest annual moves came in 2024 and 2025: Retained Earnings plunged 107889.91% in 2024, then soared 342.28% in 2025.
- A 5-year view of Retained Earnings shows it stood at -$1.5 billion in 2022, then surged by 99.92% to -$1.2 million in 2023, then slumped by 107889.91% to -$1.3 billion in 2024, then soared by 36.87% to -$824.3 million in 2025, then soared by 99.67% to -$2.7 million in 2026.
- The last three Retained Earnings figures came in at -$2.7 million (Q1 2026), -$824.3 million (Q4 2025), and -$997.8 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 13.12 Bn |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | -928.00 Mn |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 26.09 Bn |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 66.79 Bn |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 33.45 Bn |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 25.21 Bn |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | -23.59 Mn |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | -2.74 Mn |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | -2.77 Bn |
| 10 | Credit Acceptance | 6.63 Bn | 6.61 Bn | 562.70 Mn | 1.12 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -2.74 Mn |
| Dec 31, 2025 | -824.28 Mn |
| Sep 30, 2025 | -997.83 Mn |
| Jun 30, 2025 | 3.59 Mn |
| Mar 31, 2025 | 2.83 Mn |
| Dec 31, 2024 | -1.31 Bn |
| Sep 30, 2024 | -1.64 Bn |
| Jun 30, 2024 | -1.48 Mn |
| Mar 31, 2024 | -1.72 Bn |
| Dec 31, 2023 | -1.21 Mn |
| Sep 30, 2023 | -1.85 Bn |
| Jun 30, 2023 | -5.12 Mn |
| Mar 31, 2023 | -6.34 Mn |
| Dec 31, 2022 | -1.50 Bn |
| Sep 30, 2022 | -1.46 Bn |
| Jun 30, 2022 | -1.39 Bn |
| Mar 31, 2022 | -5.96 Mn |
| Dec 31, 2021 | -1.18 Bn |
| Sep 30, 2021 | -1.07 Bn |
| Jun 30, 2021 | -1.04 Bn |