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
DateValue
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