SoFi Technologies (SOFI) Retained Earnings (2020 - 2026)

SoFi Technologies (SOFI) posted quarterly Retained Earnings of -$2.7 million for Q1 2026, down 196.99% year-over-year from $2.8 million in Q1 2025, and up 99.67% on a QoQ basis from -$824.3 million in Q4 2025.

SoFi Technologies (SOFI) Retained Earnings (2020 - 2026) Analysis & Trends

SoFi Technologies (SOFI) has reported Retained Earnings for 7 consecutive years, with -$2.7 million the latest figure, recorded in 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 came in at -$2.7 million for Q1 2026 at SoFi Technologies, up from -$824.3 million in the prior quarter.
  • The five-year high for Retained Earnings was $3.6 million in Q2 2025, with the low at -$1.9 billion in Q3 2023.
  • Average Retained Earnings over 5 years is -$747.5 million, with a median of -$824.3 million recorded in 2025.
  • Across the five-year window, Retained Earnings sank 107889.91% in 2024 and soared 342.28% in 2025, its largest moves.
  • Year by year, Retained Earnings stood at -$1.5 billion in 2022, then surged by 99.92% to -$1.2 million in 2023, then tumbled 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.
  • According to Business Quant data, Retained Earnings over the past three periods registered -$2.7 million, -$824.3 million, and -$997.8 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Retained Earnings (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 13.12 Bn
2 Mastercard 465.55 Bn 455.34 Bn - -928.00 Mn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 26.09 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 33.45 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn -23.59 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -2.74 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn -2.77 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 1.12 Bn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 1.84 Mn
10 Sezzle 5.91 Bn 5.79 Bn - 28.27 Mn

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