SoFi Technologies, Inc.

NasdaqGS-SOFI

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Operating Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Income	139.4	97.3	71.1	410.6	60.7	17.4
Net Income
Depreciation & Amortization	59.2	56.7	55.3	155	51.8	49.6
Depreciation and Amortization
Share-Based Compensation Expense	66.5	63.3	63.8	191.1	63.6	61.1
Share-Based Compensation Expense
Equity-Based Payments to Non-Employees
Net Change in Loans Held-for-Sale	-1,378.8	-1,573.2	-356.1	-1,753.2	-1,223.2	-489.7
Originations and Purchases of Loans
Proceeds from Sales and Repayments of Loans
Change in Other Loans
Changes in Loans Held for Sale, Net
Changes in Loans Previously Classified as Held for Sale, Net
Other Adjustments	-34.3	-119.4	-74.2	-392.7	-88.9	-56.8
Goodwill Impairment
Deferred Debt Issuance and Discount Expense
Deferred Contract Acquisition Expense
Gain on Extinguishment of Convertible Debt
Deferred Income Taxes
Fair Value Changes in Loans Held for Investment
Fair Value Changes in Residual Interests Classified as Debt
Fair Value Changes in Securitization Investments
Fair Value Changes in Warrant Liabilities
Fair Value Adjustment to Related Party Notes Receivable
Equity Method Investment Earnings
Accretion of Seller Note Interest Expense
Other
Changes in Accrued Interest and Accounts Receivable	-3.5	-17.4	—	6.2	-13.4	7.2
Changes in Accrued Interest on Loans
Changes in Other Operating Activities	-163.6	15.8	256	-491.7	-30.3	-114.4
Changes in Servicing Assets
Changes in Other Assets
Accounts Payable, Accruals and Other Liabilities
Related Party Notes Receivable Interest Income
Cash from Operating Activities	-1,305.9	-1,466.9	21.5	-1,858.1	-1,173.6	-484.4
Net Cash Provided by Operating Activities

Cash Flow Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23	Mar '23	Dec '22
Provision for Credit Losses	9.2	10	5.7	24.5	6	11.6
Provision for Credit Losses

Investing Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Change in Loans Held-for-Investment	-1,288.5	-1,456.5	-1,161.5	79.7	-38.7	-1,565.7
Changes in Loans Held for Investment, Net
Purchases of Loans Held for Investment
Proceeds from Sales of Loans Held for Investment
Other Changes in Loans Held for Investment, Net
Net Change in Securities and Investments	-160.8	-147.1	-224.5	-1,079.7	0.4	-589.8
Purchases of Available-for-Sale Investments
Proceeds from Sales of Available-for-Sale Investments
Proceeds from Maturities and Paydowns of Available-for-Sale Investments
Proceeds from Securitization Investments
Proceeds from Non-Securitization Investments
Purchases of Non-Securitization Investments
Payments for Business Acquisitions	—	—	—	—	—	—
Acquisition of Businesses, Net of Cash Acquired
Capital Expenditure	-60	-63.5	-52.6	-122.3	-43.3	-36.7
Purchases of Property, Equipment and Software
Purchases of Intangible Assets	-3.2	-2.5	-1.6	-7.2	-2.5	-2.8
Capitalized Software Development Costs
Other Investing Activities	—	—	—	—	—	—
Related Party Notes Receivable Issuances
Proceeds from Repayment of Related Party Notes Receivable
Cash from Investing Activities	-1,459.5	-1,722.5	-1,440.2	-3,559.8	-84	-2,194.9
Net Cash Provided by Investing Activities

Financing Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Change in Deposits	3,334.9	2,285.8	1,480.6	4,057.6	1,356.7	1,400.4
Net Change in Deposits
Issuance of Short-Term Debt	—	—	—	—	—	—
Proceeds from Debt Issuances
Repayments of Short-Term Debt	—	—	—	—	—	—
Repayment of Debt
Net Issuance / (Repayments) of Short-Term Debt	—	—	—	—	—	—
Issuance of Long-Term Debt	—	—	—	—	—	422.6
Proceeds from Other Debt Issuances
Repayments of Long-Term Debt	-3.1	-4.4	-18.2	-182.8	-43.1	-126.9
Repayment of Other Debt
Finance Lease Principal Payments
Net Issuance / (Repayments) of Long-Term Debt	-3.1	-4.4	-18.2	-182.8	-43.1	295.8
Issuance of Common Shares	1,706.2	12.4	0.2	20.9	0.1	0.2
Proceeds from Issuance of Common Stock
Proceeds from Common Stock Issuances
Proceeds from Stock Option Exercises
Proceeds from Issuance of Common Stock Under the ESPP
Proceeds from Business Combination and PIPE Investment
Proceeds from Warrant Exercises
Repurchases of Common Shares	-10	-4.3	-5.6	-18.8	-4.9	-4
Taxes Paid Related to Net Share Settlement of Share-Based Awards
Purchases of Common Stock
Net Issuance / (Repurchases) of Common Shares	1,696.2	8.1	-5.4	2.1	-4.7	-3.8
Preferred Share Dividends Paid	—	—	—	—	—	-16.5
Payment of Redeemable Preferred Stock Dividends
Other Financing Activities	-1,230.6	898.9	-31.3	442.1	186.3	-30.3
Payment of Common Stock Issuance Costs
Payment of Debt Issuance Costs
Purchase of Capped Calls
Payment of Deferred Equity Costs
Note Receivable Principal Repayments from Stockholder
Unwind of Capped Calls
Redemptions of Redeemable Common and Preferred Stock
Payment of Costs Directly Attributable to the Issuance of Common Stock in Connection with Business Combination and PIPE Investment
Net Change in Debt Facilities
Cash from Financing Activities	3,797.4	3,188.4	1,425.8	3,979.1	1,495.2	1,263.1
Net Cash Provided by Financing Activities

Free Cash Flow	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Free Cash Flow	-1,365.9	-1,530.4	-31.1	-242.4	-1,216.9	-521.1
Levered Free Cash Flow	-31.5	84.6	311.6	-6.8	-17.5	218.9
Unlevered Free Cash Flow	-167.8	-8.3	258.7	-326.5	-35.2	-94.3
Net Change in Cash	1,032.1	-1	7	-260.2	237.6	-1,416.1