SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.

SoFi Technologies, Inc.

Loans and Securitizations

Loans and Securitizations %Chg

Loans and Securitizations Common Size

Securitizations

Securitizations %Chg

Securitizations Common Size

Other

Other %Chg

Other Common Size

Total Interest Income

Total Interest Income %Chg

Total Interest Income Common Size

Securitizations and Warehouses

Securitizations and Warehouses %Chg

Securitizations and Warehouses Common Size

Deposits

Deposits %Chg

Deposits Common Size

Corporate Borrowings

Corporate Borrowings %Chg

Corporate Borrowings Common Size

Total Interest Expense

Total Interest Expense %Chg

Total Interest Expense Common Size

Net Interest Income

Net Interest Income %Chg

Net Interest Income Common Size

Loan Origination, Sales, and Securitizations

Loan Origination, Sales, and Securitizations %Chg

Loan Origination, Sales, and Securitizations Common Size

Servicing

Servicing %Chg

Servicing Common Size

Loan Origination, Sales, Securitizations and Servicing

Loan Origination, Sales, Securitizations and Servicing %Chg

Loan Origination, Sales, Securitizations and Servicing Common Size

Technology Products and Solutions

Technology Products and Solutions %Chg

Technology Products and Solutions Common Size

Loan Platform Fees

Loan Platform Fees %Chg

Loan Platform Fees Common Size

Total Noninterest Income

Total Noninterest Income %Chg

Total Noninterest Income Common Size

Total Net Revenue

Total Net Revenue %Chg

Total Net Revenue Common Size

Provision for Credit Losses

Provision for Credit Losses %Chg

Provision for Credit Losses Common Size

Technology and Product Development

Technology and Product Development %Chg

Technology and Product Development Common Size

Sales and Marketing

Sales and Marketing %Chg

Sales and Marketing Common Size

Cost of Operations

Cost of Operations %Chg

Cost of Operations Common Size

General and Administrative

General and Administrative %Chg

General and Administrative Common Size

Goodwill Impairment

Goodwill Impairment %Chg

Goodwill Impairment Common Size

Total Noninterest Expense

Total Noninterest Expense %Chg

Total Noninterest Expense Common Size

Income Before Income Taxes

Income Before Income Taxes %Chg

Income Before Income Taxes Common Size

Income Tax Expense

Income Tax Expense %Chg

Income Tax Expense Common Size

Net Income

Net Income %Chg

Net Income Common Size

Earnings per Share - Basic

Earnings per Share - Basic %Chg

Earnings per Share - Basic Common Size

Earnings per Share - Diluted

Earnings per Share - Diluted %Chg

Earnings per Share - Diluted Common Size

Weighted Average Common Stock Outstanding - Basic

Weighted Average Common Stock Outstanding - Basic %Chg

Weighted Average Common Stock Outstanding - Basic Common Size

Weighted Average Common Stock Outstanding - Diluted

Weighted Average Common Stock Outstanding - Diluted %Chg

Weighted Average Common Stock Outstanding - Diluted Common Size

Non-Interest Income

Non-Interest Income %Chg

Non-Interest Income Common Size

Total Revenues Before Provision for Credit Losses

Total Revenues Before Provision for Credit Losses %Chg

Total Revenues Before Provision for Credit Losses Common Size

Total Revenues After Provision for Credit Losses

Total Revenues After Provision for Credit Losses %Chg

Total Revenues After Provision for Credit Losses Common Size

Selling, General & Administrative Expenses

Selling, General & Administrative Expenses %Chg

Selling, General & Administrative Expenses Common Size

Other Non-Interest Expenses

Other Non-Interest Expenses %Chg

Other Non-Interest Expenses Common Size

Total Non-Interest Expense

Total Non-Interest Expense %Chg

Total Non-Interest Expense Common Size

Income Before Provision for Income Taxes

Income Before Provision for Income Taxes %Chg

Income Before Provision for Income Taxes Common Size

Provision for Income Taxes

Provision for Income Taxes %Chg

Provision for Income Taxes Common Size

Consolidated Net Income

Consolidated Net Income %Chg

Consolidated Net Income Common Size

Net Income Attributable to Common Shareholders

Net Income Attributable to Common Shareholders %Chg

Net Income Attributable to Common Shareholders Common Size

Basic EPS

Basic EPS %Chg

Basic EPS Common Size

Diluted EPS

Revenue

EBIT

EBITDA

CapEx

Assets

Adjusted EBITDA

Gross Profit

Adjusted Net Income

Net Revenue

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Income Statement	LTM	Dec '24
Net Interest Income	2,071.8	1,716.5
Net Interest Income
Non-Interest Income	988.9	958.4
Loan Origination, Sales, and Securitizations
Servicing
Loan Origination, Sales, Securitizations and Servicing
Securitizations
Technology Products and Solutions
Loan Platform Fees
Other
Total Revenues Before Provision for Credit Losses	3,322.4	2,674.9
Total Revenues Before Provision for Credit Losses %Chg	30%	26%
Total Net Revenue
Provision for Credit Losses	31.8	31.7
Provision for Credit Losses
Total Revenues After Provision for Credit Losses	3,290.6	2,643.1
Selling, General & Administrative Expenses	1,690.2	1,396.4
Sales and Marketing
General and Administrative
Other Non-Interest Expenses	1,200	1,013.4
Technology and Product Development
Cost of Operations
Goodwill Impairment
Total Non-Interest Expense	2,865.4	2,409.8
Total Noninterest Expense
Income Before Provision for Income Taxes	400.4	233.3
Income Before Income Taxes
Provision for Income Taxes	-239.8	-265.3
Income Tax Expense
Consolidated Net Income	640.2	498.7
Net Income
Net Income Attributable to Common Shareholders	640.2	498.7
Net Income
Basic EPS	0.6	0.5
Diluted EPS	0.5	0.4
Basic Weighted Average Shares Outstanding	1,116	1,050.2
Diluted Weighted Average Shares Outstanding	1,202.6	1,101.4
Total Shares Outstanding	1,205.9	1,095.4
EBITDA	326.2	203.5
Effective Tax Rate	-59.9%	-113.7%