SoFi Technologies (SOFI) Total Debt (2020 - 2026)
SoFi Technologies (SOFI) posted Total Debt of $3.86 billion for Q3 2026, up 42.3% from $2.71 billion a year earlier and up 17.0% from the prior quarter.
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Analysis
SoFi Technologies (SOFI) Total Debt (2020 - 2026) Analysis & Trends
At the end of FY2025, SoFi Technologies' Total Debt came in at $1.82 billion, down 41.3% from FY2024.
- Annual Total Debt has declined for three consecutive years, with a five-year compound annual growth rate of -17.7% (FY2020 to FY2025).
- In prior years, SoFi Technologies' Total Debt was $3.09 billion in FY2024 (-40.9%), $5.23 billion in FY2023 (-4.6%), $5.49 billion in FY2022 (+39.0%) and $3.95 billion in FY2021 (-17.7%).
- The Q3 2026 figure stands as the highest quarterly Total Debt since Q2 2025.
- On a year-over-year basis, Total Debt increased in three of the last eight quarters, with an average decline of 9.9%.
- The strongest year-over-year quarter for Total Debt in the past five years was Q2 2023, with growth of 74.1%; the weakest was Q1 2024, with a decline of 52.8%.
- According to Business Quant data, Total Debt for the three prior quarters was $3.3 billion (Q2 2026), $1.81 billion (Q1 2026) and $1.82 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 903.97 Bn | 903.97 Bn | - | - |
| 2 | Bank Of America | 356.92 Bn | -2,019.15 Bn | - | 399.84 Bn |
| 3 | Hsbc Holdings | 296.96 Bn | -1,806.64 Bn | - | - |
| 4 | Morgan Stanley | 285.10 Bn | 285.10 Bn | - | - |
| 5 | Royal Bank Of Canada | 284.66 Bn | -545.38 Bn | - | 9.69 Bn |
| 6 | Goldman Sachs | 266.61 Bn | 266.61 Bn | - | - |
| 7 | Wells Fargo & Company | 250.94 Bn | 250.94 Bn | - | 221.04 Bn |
| 8 | Mitsubishi Ufj Financial | 245.01 Bn | -96.38 Bn | 10.89 Bn | 125.70 Bn |
| 9 | Toronto Dominion Bank | 214.22 Bn | -461.66 Bn | - | - |
| 10 | SoFi Technologies | 21.51 Bn | 21.51 Bn | - | 3.86 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 3.86 Bn |
| Jun 30, 2026 | 3.30 Bn |
| Mar 31, 2026 | 1.81 Bn |
| Dec 31, 2025 | 1.82 Bn |
| Sep 30, 2025 | 2.71 Bn |
| Jun 30, 2025 | 3.94 Bn |
| Mar 31, 2025 | 3.05 Bn |
| Dec 31, 2024 | 3.09 Bn |
| Sep 30, 2024 | 3.18 Bn |
| Jun 30, 2024 | 3.11 Bn |
| Mar 31, 2024 | 2.89 Bn |
| Dec 31, 2023 | 5.23 Bn |
| Sep 30, 2023 | 6.24 Bn |
| Jun 30, 2023 | 6.48 Bn |
| Mar 31, 2023 | 6.13 Bn |
| Dec 31, 2022 | 5.49 Bn |
| Sep 30, 2022 | 4.57 Bn |
| Jun 30, 2022 | 3.72 Bn |
| Mar 31, 2022 | 4.92 Bn |
| Dec 31, 2021 | 3.95 Bn |
API Access
SoFi Technologies Total Debt API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=total-debt&ticker=SOFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "total-debt", "ticker": "SOFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=total-debt&ticker=SOFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();