SoFi Technologies reported cash from operations of -$3890.44M and free cash flow of -$3987.02M for the quarter ended Jun 2026, down 165.2% year over year. This cash flow statement covers 25 quarters of results from Jun 2020 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow Statement | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||
| Net Income | -30.05M | -111.01M | -110.36M | -95.83M | -74.21M | -40.01M | -34.42M | -47.55M | -266.68M | 47.91M | 88.04M | 17.40M | 60.74M | 332.47M | 71.12M | 97.26M | 139.39M | 173.55M | 166.73M | 156.59M | |||||
| Share-based Compensation | 72.68M | 76.72M | 77.02M | 80.14M | 77.86M | 70.98M | 64.23M | 75.88M | 62.01M | 69.11M | 55.08M | 61.06M | 63.65M | 278.67M | -213.07M | 63.26M | 66.47M | 68.58M | 136.68M | 239.32M | |||||
| Deferred Taxes | 0.06M | 0.51M | -0.04M | -2.28M | -2.10M | 0.92M | 0.07M | -5.51M | -0.89M | -9.49M | -0.97M | -2.14M | 0.18M | -283.98M | 8.79M | 10.38M | 7.39M | -10.37M | 28.90M | 33.73M | |||||
| Gains from Investment Securities | -64.41M | 10.82M | |||||||||||||||||||||||
| Change in Loans | 3,448.58M | -7988.91M | 1,049.91M | 956.50M | 2,964.67M | 2,492.39M | 2,301.03M | 2,234.34M | 2,780.17M | 393.39M | -244.67M | 780.46M | 1,423.99M | 383.20M | 586.10M | 1,857.62M | 1,538.38M | 1,288.78M | 2,661.37M | 4,339.09M | |||||
| Cash from Operations | -196.54M | -1236.29M | -1011.22M | -945.50M | -2880.30M | -2418.84M | -2212.76M | -2079.92M | -2686.52M | -247.94M | 738.25M | -484.37M | -1173.58M | -200.10M | 21.50M | -1466.91M | -1305.87M | -991.18M | -2314.99M | -3890.44M | |||||
| Depreciation, Depletion & Amortization | |||||||||||||||||||||||||
| Amortizatization of Intangibles | |||||||||||||||||||||||||
| Amortization of Deferred Charges | 0.49M | 4.06M | 4.21M | 2.09M | 2.15M | 6.19M | 4.85M | 5.71M | 4.49M | 5.05M | 4.23M | 1.10M | 1.10M | 2.66M | 2.44M | 1.10M | 1.10M | 2.97M | 2.90M | 1.10M | |||||
| Depreciation & Amortization (CF)Depreciation & Amortization | 24.07M | 26.53M | 30.70M | 38.06M | 40.25M | 42.35M | 45.32M | 50.13M | 52.52M | 53.45M | 48.54M | 49.62M | 51.79M | 53.55M | 55.28M | 56.74M | 59.24M | 62.88M | 67.58M | 73.11M | |||||
| Change in Working Capital | |||||||||||||||||||||||||
| Change in Accured Expenses | -15.82M | -27.06M | 30.34M | 6.56M | -8.64M | -21.90M | -17.22M | 38.23M | -4.96M | 26.04M | -7.41M | -6.86M | 43.87M | -6.04M | 101.02M | -2.44M | 72.22M | -30.34M | -33.85M | 106.23M | |||||
| Investing Activities | |||||||||||||||||||||||||
| Change in Net Loans | 3.09M | 12.29M | -58.55M | 36.38M | 11.60M | ||||||||||||||||||||
| Capital Expenditures | 11.64M | 13.82M | 25.11M | 21.90M | 23.44M | 22.74M | 23.72M | 25.35M | 28.04M | 34.29M | 31.98M | 36.71M | 43.31M | 42.26M | 52.60M | 63.47M | 59.98M | 66.40M | 67.55M | 96.57M | |||||
| Change in Intangibles | 3.01M | 2.50M | 5.02M | 2.81M | 2.25M | 2.37M | 2.35M | 2.13M | 2.76M | 2.50M | 1.97M | 1.64M | 2.53M | 3.18M | 1.32M | 1.23M | 1.07M | ||||||||
| Acquisitions | 73.31M | -14.77M | -117.08M | 17.95M | 54.35M | ||||||||||||||||||||
| Change in Acquisitions & Divestments | 2.00M | 17.65M | 1.94M | 265.63M | 131.32M | 339.69M | 145.44M | 191.35M | 120.12M | 117.60M | 101.29M | 210.54M | 605.82M | ||||||||||||
| Cash from Investing Activities | -159.80M | 30.66M | 49.88M | -54.80M | -50.01M | -51.41M | -40.15M | -267.67M | -168.51M | -1413.53M | -1261.18M | -2194.92M | -84.00M | -1280.88M | -1440.22M | -1722.47M | -1459.46M | -2096.95M | -2394.33M | -2830.86M | |||||
| Financing Activities | |||||||||||||||||||||||||
| Other financing activities | 17.28M | 74.41M | 961.83M | 1,534.42M | 2,362.99M | 2,293.74M | 2,754.54M | 2,637.98M | 2,904.14M | 2,935.25M | 2,896.89M | 1,400.44M | 1,356.68M | 1,300.46M | 1,480.57M | 2,285.84M | 3,334.88M | 4,147.21M | 3,034.49M | 4,968.45M | |||||
| Debt Issuance and Repayment | |||||||||||||||||||||||||
| Long-Term Debt Issuances | 2,447.26M | -5104.99M | 112.28M | 88.24M | 620.58M | 597.36M | 444.11M | 520.79M | -62.12M | -102.92M | -2427.34M | 334.13M | 186.32M | -75.76M | -30.95M | 898.97M | -1227.38M | -897.51M | 3.20M | 1,485.10M | |||||
| Long-Term Debt Repayments | 2,013.25M | 2,060.27M | 1,049.62M | -1125.07M | 7,382.31M | 444.11M | 520.79M | ||||||||||||||||||
| Change in Capital Stock | |||||||||||||||||||||||||
| Net Equity Issued and Repurchased | 3,200.00M | 3,200.00M | 87.39M | ||||||||||||||||||||||
| Dividend Payments | |||||||||||||||||||||||||
| Dividends Paid - Common | 10.19M | 9.97M | 10.08M | 10.19M | 10.08M | 10.19M | |||||||||||||||||||
| Misc. | |||||||||||||||||||||||||
| Cash from Financing Activities | 441.91M | 1,119.65M | 1,895.16M | 297.07M | 3,192.48M | 3,054.77M | 3,384.42M | 2,870.81M | 2,650.81M | 1,979.56M | 1,055.44M | 1,263.15M | 1,495.15M | 1,220.83M | 1,425.76M | 3,188.41M | 3,797.41M | 4,697.75M | 3,114.58M | 6,525.55M | |||||
| Exchange Rate Effect | 0.20M | 0.19M | -0.04M | -0.06M | 0.33M | 0.34M | -0.29M | 0.39M | 0.10M | 0.47M | -0.18M | -0.14M | 0.56M | -0.25M | -0.27M | -0.56M | -0.23M | 0.70M | -0.77M | 0.07M | |||||
| Change in Cash | 85.78M | -85.79M | 933.77M | -703.28M | 262.50M | 584.87M | 1,131.21M | 523.61M | -204.11M | 318.56M | 532.33M | -1416.28M | 238.13M | -260.40M | 6.78M | -1.53M | 1,031.84M | 1,610.33M | -1595.52M | -195.69M | |||||
| Free Cash Flow | -208.17M | -1250.11M | -1036.34M | -967.40M | -2903.74M | -2441.58M | -2236.48M | -2105.27M | -2714.56M | -282.24M | 706.26M | -521.08M | -1216.89M | -242.37M | -31.10M | -1530.37M | -1365.85M | -1057.58M | -2382.55M | -3987.02M | |||||
| Net Cash Flow | 85.57M | -85.98M | 933.81M | -703.22M | 262.18M | 584.53M | 1,131.51M | 523.22M | -204.21M | 318.09M | 532.51M | -1416.14M | 237.56M | -260.15M | 7.04M | -0.97M | 1,032.07M | 1,609.62M | -1594.75M | -195.76M |