SoFi Technologies Income Statement (2019-2025) | SOFI

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Income Statement Dec2019 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Revenue & Cost
Provisions 0.49M2.40M4.69M12.96M10.10M16.32M14.95M8.41M12.62M21.83M12.09M7.18M11.64M6.01M6.88M5.68M10.04M9.20M
Revenue 78.30M200.79M171.49M195.98M231.27M272.01M285.61M330.34M362.53M423.99M456.68M472.16M498.02M537.21M615.40M645.00M598.62M697.12M734.12M771.76M854.94M961.60M
Interest income
Interest income - Loans 86.12M81.13M85.62M77.22M79.68M89.84M105.23M114.39M145.34M191.53M308.26M360.40M444.85M539.93M598.96M620.23M621.06M671.98M688.72M712.88M738.86M830.16M
Interest income - Investments 7.06M5.34M5.13M4.47M3.79M3.00M2.85M2.76M2.57M2.63M2.48M3.05M2.66M1.98M
Interest Income - Total 97.28M88.12M92.07M82.53M84.11M93.60M94.78M118.41M149.51M198.04M307.41M371.56M470.00M564.27M645.24M665.91M674.60M723.37M743.94M763.81M792.40M891.56M
Interest expenses
Interest Expense - Deposits 0.43M4.54M14.15M40.67M73.12M106.53M145.56M182.61M211.45M231.81M248.29M238.60M225.40M233.23M264.90M
Interest Expense - Debt 1.09M4.34M19.12M5.01M1.38M1.37M2.59M2.65M3.45M5.27M7.07M8.00M9.17M9.78M9.88M10.71M12.72M12.87M12.04M11.43M11.50M11.60M
Interest Expense - Others 1.52M0.28M0.46M0.43M0.47M0.50M0.55M0.49M0.19M0.12M0.12M0.11M0.11M0.11M0.11M0.11M0.11M0.11M0.11M0.12M0.18M0.10M
Interest Expenses 50.13M38.91M53.25M35.25M28.10M21.23M18.21M23.48M26.78M40.19M98.82M135.55M178.87M219.31M255.60M263.19M262.01M292.36M273.77M265.09M274.57M306.45M
Interest Income - Net 47.15M49.21M38.82M1.26M56.01M72.38M76.58M94.93M122.73M157.85M208.58M236.01M291.13M344.96M389.64M402.72M412.58M431.01M470.17M498.73M517.84M585.11M
Non-interest income
Financial Services Fees 45.66M44.95M49.95M51.29M59.86M81.67M82.03M81.34M72.80M82.29M81.86M87.03M85.67M85.87M90.90M88.38M86.44M90.80M89.71M
Service Charges 138.44M138.18M158.39M141.38M164.13M148.45M140.67M102.20M87.30M109.43M126.67M65.25M134.89M128.45M132.65M185.22M219.69M
Investment Gain (Loss) -0.11M-0.16M-0.12M-3.03M
Investment Banking Income 104.25M103.87M100.24M110.34M109.72M142.15M-228.56M157.70M144.41M163.70M-359.07M0.70M2.47M0.72M25.51M-58.04M66.68M-73.23M-81.08M-81.41M101.15M146.13M
Mortgage Banking -83.10M12.75M-7.25M-2.04M-0.03M-4.55M-8.25M-11.28M-11.74M-8.77M-8.24M-3.18M-12.90M-6.30M
Other Non-Interest Income 2.94M6.19M125.34M6.84M20.84M11.63M143.79M16.89M14.98M21.88M202.37M27.27M25.39M17.93M228.78M81.92M26.62M39.56M173.85M41.04M48.05M56.45M
Non-Interest Income 31.15M151.57M132.67M148.70M175.26M199.63M209.03M235.41M239.80M266.13M248.09M236.15M206.89M192.25M225.76M242.28M186.03M266.11M263.96M273.03M337.11M376.49M
Operating Items
Research & Development 40.17M55.43M57.77M65.95M69.39M74.43M66.32M81.91M99.37M110.70M113.28M117.06M126.84M125.70M141.82M130.92M132.17M139.71M148.99M156.21M152.15M167.14M
Selling, General & Administrative 49.11M58.77M76.10M161.70M171.22M40.46M125.16M136.50M125.83M126.20M113.08M123.69M131.18M124.46M131.69M145.24M145.01M148.92M160.92M156.40M165.39M188.41M
Other Operating Expenses 95.33M129.28M125.19M144.80M156.06M186.98M203.59M221.54M233.05M261.54M214.93M267.47M289.32M553.98M235.80M267.43M294.46M338.62M357.42M373.70M415.18M448.30M
Operating Expenses 184.61M243.47M259.06M372.45M396.67M301.87M395.06M439.95M458.24M498.44M441.30M508.22M547.35M804.14M509.30M543.59M571.64M627.25M667.32M686.30M732.72M803.85M
Operating Income -168.98M-120.14M-159.75M-263.70M-260.34M-144.85M-239.16M-247.74M-239.57M-236.58M-158.32M-211.21M-232.15M-453.65M-68.60M-65.96M-157.78M-145.04M-162.46M-152.72M-142.52M-129.13M
EBIT -168.98M-120.14M-159.75M-263.70M-260.34M-144.85M-239.16M-247.74M-239.57M-236.58M-158.32M-211.21M-232.15M-453.65M-68.60M-65.96M-157.78M-145.04M-162.46M-152.72M-142.52M-129.13M
Non-operating items
Interest & Investment Income 3.05M0.87M4.03M0.63M0.64M0.76M1.03M1.27M1.61M3.88M7.11M11.17M25.15M24.34M46.28M45.68M53.53M51.40M55.21M50.94M53.54M61.41M
Net income details
EBT -106.31M-42.69M-87.56M-176.47M-165.39M-29.87M-109.45M-109.61M-95.72M-74.45M-38.95M-36.06M-49.33M-266.93M51.16M94.23M15.34M63.85M59.92M79.78M112.19M148.55M
Tax Provisions 0.06M0.19M-4.95M1.10M-0.08M0.18M1.56M0.75M0.12M-0.24M1.06M-1.64M-1.78M-0.24M3.25M6.18M-2.06M3.11M-272.55M8.67M14.93M9.16M
Profit After Tax -106.37M-42.88M-82.62M-177.56M-165.31M-30.05M-111.01M-110.36M-95.83M-74.21M-40.01M-34.42M-47.55M-266.68M47.91M88.04M17.40M60.74M332.47M71.12M97.26M139.39M
Income from Continuing Operations -106.37M-42.88M-82.62M-177.56M-165.31M-30.05M-111.01M-110.36M-95.83M-74.21M-40.01M-34.42M-47.55M-266.68M47.91M88.04M17.40M60.74M332.47M71.12M97.26M139.39M
Consolidated Net Income -106.37M-42.88M-82.62M-177.56M-165.31M-30.05M-111.01M-110.36M-95.83M-74.21M-40.01M-34.42M-47.55M-266.68M47.91M88.04M17.40M60.74M332.47M71.12M97.26M139.39M
Income towards Parent Company -106.37M-42.88M-82.62M-177.56M-165.31M-30.05M-111.01M-110.36M-95.83M-74.21M-40.01M-34.42M-47.55M-266.68M47.91M88.04M17.40M60.74M332.47M71.12M97.26M139.39M
Net Income towards Common Stockholders -106.37M-42.88M-82.62M-177.56M-165.31M-30.05M-111.01M-110.36M-95.83M-74.21M-40.01M-34.42M-47.55M-266.68M47.91M88.04M17.40M60.74M332.47M71.12M97.26M139.39M
Additional items
EPS (Basic) -1.65-0.70-1.92-1.61-0.48-0.05-0.06-0.14-0.12-0.09-0.05-0.05-0.06-0.290.040.080.010.060.320.060.090.12
EPS (Weighted Average and Diluted) -1.65-0.70-1.92-1.61-0.48-0.05-0.06-0.14-0.12-0.09-0.05-0.05-0.06-0.290.040.020.010.050.310.060.080.11
Shares Outstanding (Weighted Average) 100.62M100.62M100.62M804.58M794.69M806.92M915.71M915.82M922.38M927.94M934.55M940.90M950.11M958.74M976.74M1,057.22M1,065.94M1,085.15M1,096.54M1,105.36M1,197.45M
Shares Outstanding (Diluted Average) 65.62M72.15M75.32M73.85M116.15M365.04M800.57M526.73M852.85M910.05M916.76M900.89M929.27M936.57M951.18M945.02M1,042.48M1,065.17M1,104.45M1,101.39M1,185.47M1,184.20M1,291.01M
EBITDA -106.37M-42.85M-82.74M-177.64M-165.58M-29.99M-112.03M-114.85M-97.88M-75.80M-38.70M-32.47M-46.33M-260.96M46.10M87.16M18.01M70.34M316.00M82.31M98.03M145.35M
Tax Rate 5.65%0.05%0.33%4.54%3.61%0.09%6.34%6.56%4.87%10.86%13.31%6.17%