SOFI Stock Cash Flow Statements

SoFi Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

SoFi Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31

operating activities
net income	97,263,000	71,116,000	332,473,000	60,745,000	17,404,000	88,043,000	47,913,000	-266,684,000	-47,549,000	-34,422,000	-40,006,000	-74,209,000	-95,835,000	-110,357,000	-111,012,000	-30,047,000	-282,483,341	-60,394,659
adjustments to reconcile net income to net cash from operating activities:
share-based compensation expense	63,256,000	63,756,000	66,367,000	63,646,000	61,057,000	55,082,000	69,107,000	62,005,000	75,878,000	64,226,000	70,976,000	77,855,000	80,142,000	77,021,000
depreciation and amortization	56,743,000	55,283,000	53,545,000	51,791,000	49,623,000	48,539,000	53,449,000	52,516,000	50,130,000	45,321,000	42,353,000	40,253,000	38,056,000	30,698,000	26,527,000	24,075,000
deferred debt issuance and discount expense	2,924,000	2,443,000	2,657,000	2,614,000	3,975,000	4,232,000	5,055,000	4,490,000	5,707,000	4,852,000	6,186,000	3,988,000	3,909,000	4,209,000	4,064,000	2,778,000
gain on extinguishment of convertible debt			0	-3,323,000	0	-59,194,000
benefit from credit losses	10,035,000	5,678,000	6,877,000	6,013,000	11,640,000	7,182,000	12,092,000	21,831,000	12,615,000	8,407,000	14,945,000
deferred income taxes	10,375,000	8,794,000	-283,983,000	176,000	-2,143,000	-967,000	-9,495,000	-887,000	-5,514,000	68,000	922,000	-2,101,000	-2,279,000	-40,000	505,000	62,000
fair value changes in loans held for investment	-119,843,000	-98,987,000	-8,741,000	-90,566,000	-25,651,000	-33,257,000
fair value changes in securitization investments	-253,000	-884,000	469,000	-1,117,000	-483,000	-1,711,000	-1,115,000	-470,000	1,437,000	100,000	344,000	3,275,000	3,436,000	6,545,000	568,000	-1,604,000
other	-2,172,000	3,947,000	10,301,000	1,700,000	-249,000	-1,713,000	-11,433,000	623,000	-919,000	-2,317,000	1,791,000	-18,294,000	13,749,000	16,180,000	-845,000	-303,000
changes in loans held for sale	-1,844,465,000	-599,248,000	-415,190,000	-1,441,677,000	-777,209,000	244,672,000	-463,465,000	-2,780,169,000	-2,234,343,000	-2,301,031,000
changes in accrued interest on loans
changes in loans previously classified as held for sale	271,256,000	243,171,000	379,060,000	206,696,000	295,119,000	492,226,000
changes in servicing assets
changes in other assets
changes in other liabilities
net cash from operating activities	-1,466,908,000	21,502,000	-200,103,000	-1,173,581,000	-484,371,000	738,248,000	-247,941,000	-2,686,519,000	-2,079,919,000	-2,212,760,000	-2,418,835,000	-2,880,300,000	-945,499,000	-1,011,224,000	-1,236,289,000	-196,536,000
capex	-65,992,000	-54,248,000	-44,231,000	-45,801,000	-39,473,000	-34,112,000	-36,648,000	-30,413,000	-2,246,000	-26,534,000	-17,225,000	-25,948,000	-24,914,000	-25,114,000	-13,816,000	-11,637,000
free cash flows	-1,532,900,000	-32,746,000	-244,334,000	-1,219,382,000	-523,844,000	704,136,000	-284,589,000	-2,716,932,000	-2,082,165,000	-2,239,294,000	-2,436,060,000	-2,906,248,000	-970,413,000	-1,036,338,000	-1,250,105,000	-208,173,000
investing activities
purchases of property, equipment and software	-63,465,000	-52,604,000	-42,263,000	-43,306,000	-36,712,000	-31,984,000	-34,294,000	-28,044,000
capitalized software development costs	-2,527,000	-1,644,000	-1,968,000	-2,495,000	-2,761,000	-2,128,000	-2,354,000	-2,369,000	-2,246,000	-2,814,000
purchases of available-for-sale investments	-514,764,000	-338,795,000	-531,249,000	-350,667,000	-940,060,000	-368,569,000	-166,487,000	-181,680,000	-191,732,000	-260,608,000	0	0	-8,149,000	-36,825,000	-41,244,000
proceeds from sales of available-for-sale investments			20,914,000				0	0	0	265,634,000	0	0	5,846,000	17,651,000	36,953,000
proceeds from maturities and paydowns of available-for-sale investments	117,597,000	120,123,000	191,353,000	145,444,000	339,690,000	131,317,000	66,365,000	35,126,000	31,928,000	20,409,000	913,000	421,000	1,942,000	11,964,000
changes in loans held for investment	-1,456,492,000	-1,161,457,000		-473,134,000	-1,565,656,000	-990,605,000	-1,265,313,000	-35,062,000	-32,499,000	-29,544,000
proceeds from securitization investments	17,292,000	11,525,000	10,344,000	46,762,000	13,210,000	9,483,000	6,999,000	72,272,000	13,021,000	15,999,000	19,065,000	23,769,000	33,218,000	42,773,000	45,965,000
proceeds from non-securitization investments	7,291,000	2,294,000	-3,000	1,064,000	-2,000	2,517,000	2,191,000	443,000							0	2,000,000
purchases of non-securitization investments	-32,180,000	-19,662,000	-17,132,000	-6,779,000	-2,626,000	-11,215,000	-20,636,000	-29,195,000	-9,159,000	-7,563,000					-2,000,000
net cash from investing activities	-1,722,471,000	-1,440,220,000	-1,280,884,000	-84,005,000	-2,194,917,000	-1,261,184,000	-1,413,529,000	-168,509,000	-267,673,000	-40,153,000	-51,407,000	-50,008,000	-54,797,000	49,879,000	30,657,000	-159,803,000
financing activities
net change in deposits	2,285,840,000	1,480,574,000	1,300,465,000	1,356,683,000	1,400,442,000	2,896,894,000	2,935,247,000	2,904,136,000	2,637,981,000	2,754,540,000	2,293,735,000	2,362,987,000
net change in debt facilities	898,968,000	-30,952,000	-75,756,000	186,317,000	334,134,000	-2,427,339,000	-722,223,000	-62,121,000	520,792,000	444,106,000
proceeds from other debt issuances			0	0	0	845,250,000	0	0	0	339,995,000
repayment of other debt	-4,175,000	-17,987,000	-12,693,000	-42,921,000	-126,736,000	-170,447,000	-204,626,000	-187,518,000	-259,730,000	-147,985,000
payment of debt issuance costs	-94,000	-300,000	-1,725,000	-50,000	-825,000	-5,020,000	-3,825,000	-371,000	-3,842,000	-3,865,000	-4,211,000	-100,000	-1,811,000	-2,165,000	-4,329,000	-616,000
purchase of capped calls			0	0	0	-90,649,000
unwind of capped calls			0	0	0	10,180,000
taxes paid related to net share settlement of share-based awards	-4,299,000	-5,592,000	-9,960,000	-4,883,000	-3,998,000	-3,760,000	-4,640,000	-3,614,000	-4,630,000	-2,416,000	-1,507,000	-1,630,000	-2,253,000	-3,593,000
proceeds from stock option exercises	600,000	195,000	20,637,000	138,000	166,000	466,000	130,000	430,000	417,000	168,000	121,000	429,000	193,000	1,867,000	4,512,000	17,277,000
proceeds from issuance of common stock under the espp
payment of redeemable preferred stock dividends			0	0			-20,378,000	0			-20,378,000	0			-20,379,000	0
redemption of series 1 preferred stock			0	0
finance lease principal payments	-195,000	-175,000	-134,000	-134,000	-132,000	-130,000	-129,000	-128,000	-127,000	-125,000	-124,000	-123,000	-121,000	-120,000	-119,000	-119,000
net cash from financing activities	3,188,409,000	1,425,763,000	1,220,834,000	1,495,150,000	1,263,148,000	1,055,445,000	1,979,556,000	2,650,814,000	2,870,814,000	3,384,418,000	3,054,771,000	3,192,483,000	297,073,000	1,895,158,000	1,119,653,000	441,910,000
effect of exchange rates on cash and cash equivalents	-563,000	-269,000	-246,000	563,000	-136,000	-179,000	475,000	103,000	392,000	-293,000	340,000	325,000	-56,000	-38,000	188,000	204,000
net increase in cash, cash equivalents, restricted cash and restricted cash equivalents	-1,533,000	6,776,000	-260,399,000	238,127,000	-1,416,276,000	532,330,000	318,561,000	-204,111,000	523,614,000	1,131,212,000	584,869,000	262,500,000	-703,279,000	933,775,000	-85,791,000	85,775,000
cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period	0	2,709,360,000	0	0	0	3,615,578,000	0	0	0	1,846,302,000	0	0	0	768,437,000	0	0
cash, cash equivalents, restricted cash and restricted cash equivalents at end of period	-1,533,000	2,716,136,000	-260,399,000	238,127,000	-1,416,276,000	4,147,908,000	318,561,000	-204,111,000	523,614,000	2,977,514,000	584,869,000	262,500,000	-703,279,000	1,702,212,000	-85,791,000	85,775,000
reconciliation to amounts on condensed consolidated balance sheets
cash and cash equivalents			183,328,000	20,376,000	-1,358,801,000	3,693,390,000	271,144,000	-201,776,000	527,874,000	2,487,778,000	486,748,000	227,857,000	-617,833,000	1,325,135,000	-38,812,000	71,603,000
restricted cash and restricted cash equivalents			-443,727,000	217,751,000	-57,475,000	454,518,000	47,417,000	-2,335,000	-4,260,000	489,736,000	98,121,000	34,643,000	-85,446,000	377,077,000	-46,979,000	14,172,000
total cash, cash equivalents, restricted cash and restricted cash equivalents			-260,399,000	238,127,000	-1,416,276,000	4,147,908,000	318,561,000	-204,111,000	523,614,000	2,977,514,000	584,869,000	262,500,000	-703,279,000	1,702,212,000	-85,791,000	85,775,000
supplemental non-cash investing and financing activities
deposits credited but not yet received in cash			269,952,000	54,140,000	-8,074,000	87,038,000	-13,859,000	27,763,000	13,652,000	39,701,000				36,072,000
share-based compensation capitalized related to internally-developed software				10,886,000	10,105,000	8,306,000		8,060,000	8,330,000	6,427,000				4,596,000
extinguishment of convertible notes by issuance of common stock			0	83,237,000	0	593,910,000
deferred contract acquisition expense		10,451,000
changes in operating assets and liabilities:
servicing assets		-47,652,000	-46,001,000	-4,798,000	-50,577,000	-60,283,000	-37,814,000	3,009,000	-139,000	3,340,000	18,584,000	8,526,000	-3,459,000	-5,246,000	-4,785,000	-3,707,000
other assets		202,615,000	-291,895,000	-69,348,000	-60,015,000	-37,192,000	-20,558,000	-25,922,000	25,151,000	15,823,000	-20,170,000	12,878,000	-35,946,000	-13,623,000	16,183,000	-5,131,000
accounts payable, accruals and other liabilities		101,019,000	-6,042,000	43,867,000	-6,862,000	-7,411,000	26,037,000	-4,962,000	38,229,000	-17,216,000	-21,900,000	-8,637,000	6,563,000	30,339,000	-27,059,000	-15,819,000
goodwill impairment							0
proceeds from sales of loans held for investment			243,104,000
other changes in loans held for investment
acquisition of businesses, net of cash acquired							0	0	-54,355,000	-17,946,000	0	0	-14,774,000	73,314,000
reconciliation to amounts on consolidated balance sheets
supplemental cash flow information
interest paid
income taxes paid
deconsolidation of securitization and residual debt							0	0
securitization investments acquired via loan transfers			26,286,000
derecognition of securitization investments							0	0
deposits assumed in acquisition														158,016,000
loans held for investment received in acquisition
available-for-sale securities received in acquisition														10,014,000
available-for-sale securities sold but unpaid
available-for-sale securities purchased but unpaid
fair value changes in residual interests classified as debt							11,000	927,000	-602,000	89,000	-470,000	1,453,000	2,662,000	2,963,000	3,541,000	5,593,000
fair value changes in warrant liabilities															10,824,000	-64,405,000
equity method investment earnings															240,000
related party notes receivable interest income															0	0
proceeds from repayment of related party notes receivable															0	0
purchases of common stock															0	0
redemptions of redeemable common and preferred stock															0	0
proceeds from business combination and pipe investment															0	0
payment of costs directly attributable to the issuance of common stock in connection with business combination and pipe investment															0	0
proceeds from warrant exercises
payment of deferred equity costs
purchases of property, equipment, software and intangible assets										-23,720,000	-17,225,000	-25,948,000	-24,914,000	-25,114,000	-13,816,000	-11,637,000
non-cash loan reduction										483,000				375,000
deferred debt issuance costs accrued but unpaid										413,000
non-cash property, equipment, software and intangible asset additions										82,000
property, equipment and software acquired in acquisition
debt assumed in acquisition														2,000,000
accretion of seller note interest expense
related party notes receivable issuances
proceeds from common stock issuances
note receivable principal repayments from stockholder
originations and purchases of loans												-4,760,658,000	-3,275,411,000	-3,599,870,000	-4,125,123,000	-3,626,220,000
proceeds from sales and repayments of loans												1,807,584,000	2,355,296,000	2,491,409,000	2,905,287,000	3,448,583,000
other changes in loans												-11,600,000	-36,382,000	58,548,000	-12,286,000	-3,093,000
changes in loans												-48,250,000	-47,966,000	-33,884,000
proceeds from debt issuances												3,150,824,000	1,141,020,000	3,569,960,000	3,224,413,000	2,447,256,000
repayment of debt												-2,319,904,000	-2,354,327,000	-2,632,625,000	-2,060,272,000	-2,013,251,000
reconciliation to amounts on unaudited condensed consolidated balance sheets
fair value adjustment to related party notes receivable															0	0
net increase in deposits														961,834,000
issuance of common stock in acquisition														875,042,000
vested awards assumed in acquisition														2,855,000
loans received in acquisition														84,485,000
property, equipment and software received in acquisition														3,192,000
redeemable preferred stock dividends accrued but unpaid														9,968,000
equity-based payments to non-employees
proceeds from maturities of available-for-sale investments
acquisition of business, net of cash acquired
note receivable issuance to stockholder
proceeds from redeemable preferred stock issuances
payment of redeemable preferred stock issuance costs
stock-based compensation expense																72,681,000
taxes paid related to net share settlement of stock-based awards																-8,637,000
receipts from securitization investments
deconsolidation of residual interests classified as debt
deconsolidation of securitization debt
costs directly attributable to the issuance of common stock paid in 2020
reduction to temporary equity associated with purchase price adjustments
warrant liabilities recognized in conjunction with the business combination
series h warrant liabilities conversion to common stock warrants
conversion of temporary equity into permanent equity in conjunction with the business combination
seller note issued in acquisition
redeemable preferred stock issued in acquisition
common stock options assumed in acquisition
deferred debt issuance costs accrued but not paid
ordinary shares subject to possible redemption
numerator: earnings allocable to ordinary shares subject to possible redemption
interest earned on marketable securities held in trust account																		15,117
net income allocable to class a ordinary shares subject to possible redemption																		15,117
denominator: weighted-average class a ordinary shares subject to possible redemption
basic and diluted weighted-average shares outstanding																		67,342,389
basic and diluted net income per share																		0
non-redeemable ordinary shares
numerator: earnings allocable to non-redeemable ordinary shares
less: net income allocable to class a ordinary shares subject to possible redemption																		-15,117
non-redeemable net income																		-60,409,776
denominator: weighted-average non-redeemable ordinary shares
basic and diluted weighted-average shares outstanding, non-redeemable ordinary shares																		33,282,611
basic and diluted net income per share, non-redeemable ordinary shares																		-1.82
numerator: earnings allocable to common stock subject to possible redemption
non-redeemable common stock
numerator: net income minus net earnings

We provide you with 20 years of cash flow statements for SoFi stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of SoFi stock. Explore the full financial landscape of SoFi stock with our expertly curated income statements.

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