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Financial Statements — SOFI
Balance Sheet
(in billions USD)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 3.13 | 3.40 | 4.93 | 3.25 | 2.12 | 2.09 | 2.54 | 2.35 | 2.33 | 3.69 | 3.09 | 2.81 | 3.02 | 2.49 | 1.42 | 0.94 | 0.71 | 1.33 | 0.49 | 0.53 |
| Total Current Assets | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.84 | 0.36 | 0.35 | 0.33 | 0.31 | 11.20 | 8.21 | 7.22 | 6.07 | 4.87 |
| Total Assets | 60.95 | 53.70 | 50.66 | 45.29 | 41.11 | 37.75 | 36.25 | 34.38 | 32.64 | 31.31 | 30.07 | 27.98 | 25.56 | 22.45 | 19.01 | 15.83 | 12.67 | 12.25 | 9.18 | 8.08 |
| Total Deposits | 45.54 | 40.24 | 37.51 | 32.95 | 29.54 | 27.26 | 25.98 | 24.41 | 23.00 | 21.60 | 18.62 | 15.67 | 12.74 | 10.09 | 7.34 | 5.03 | 2.71 | 1.16 | -- | -- |
| Total Current Liabilities | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Long-term Debt | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 5.49 | 4.57 | 3.72 | 4.92 | 3.95 | 2.77 |
| Total Liabilities | 49.87 | 42.89 | 40.17 | 36.51 | 34.25 | 31.07 | 29.73 | 28.26 | 26.74 | 25.16 | 24.52 | 22.60 | 19.98 | 16.90 | 13.48 | 10.33 | 7.16 | 6.72 | 4.48 | 3.51 |
| Retained Earnings | (0.50) | (0.66) | (0.82) | (1.00) | (1.14) | (1.23) | (1.31) | (1.64) | (1.70) | (1.72) | (1.80) | (1.85) | (1.59) | (1.54) | (1.50) | (1.46) | (1.39) | (1.29) | (1.18) | (1.07) |
| Total Stockholder Equity | 11.08 | 10.81 | 10.49 | 8.78 | 6.86 | 6.68 | 6.53 | 6.12 | 5.90 | 5.83 | 5.23 | 5.05 | 5.26 | 5.23 | 5.21 | 5.18 | 5.19 | 5.21 | 4.38 | 4.25 |
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Income Statement
(in billions USD) (except per-share rows)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.26 | 0.26 | 0.22 | 0.18 | 0.14 | 0.10 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 |
| Net Interest Income | 0.79 | 0.69 | 0.62 | 0.59 | 0.52 | 0.50 | 0.47 | 0.43 | 0.41 | 0.40 | 0.39 | 0.34 | 0.29 | 0.24 | 0.21 | 0.16 | 0.12 | 0.09 | 0.08 | 0.07 |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.01 | -- | -- |
| Non-interest Income | 0.43 | 0.41 | 0.41 | 0.38 | 0.34 | 0.27 | 0.26 | 0.27 | 0.19 | 0.24 | 0.23 | 0.19 | 0.21 | 0.24 | 0.25 | 0.27 | 0.24 | 0.24 | 0.21 | 0.20 |
| Non-interest Expense | 1.00 | 0.89 | 0.83 | 0.80 | 0.73 | 0.69 | 0.64 | 0.63 | 0.58 | 0.55 | 0.56 | 0.80 | 0.55 | 0.51 | 0.50 | 0.50 | 0.46 | 0.44 | 0.40 | 0.30 |
| Pretax Income | 0.20 | 0.20 | 0.19 | 0.15 | 0.11 | 0.08 | 0.06 | 0.06 | 0.02 | 0.09 | 0.05 | (0.27) | (0.05) | (0.04) | (0.04) | (0.07) | (0.10) | (0.11) | (0.11) | (0.03) |
| Tax Provision | 0.05 | 0.03 | 0.01 | 0.01 | 0.01 | 0.01 | (0.27) | 0.00 | -0.00 | 0.01 | 0.00 | -0.00 | -0.00 | -0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 0.16 | 0.17 | 0.17 | 0.14 | 0.10 | 0.07 | 0.33 | 0.06 | 0.02 | 0.09 | 0.05 | (0.27) | (0.05) | (0.03) | (0.04) | (0.07) | (0.10) | (0.11) | (0.23) | (0.03) |
| Basic EPS | 0.12 | 0.13 | 0.15 | 0.12 | 0.09 | 0.06 | 0.31 | 0.06 | 0.01 | 0.08 | 0.04 | (0.29) | (0.06) | (0.05) | (0.05) | (0.09) | (0.12) | (0.14) | (0.06) | (0.05) |
| Diluted EPS | 0.12 | 0.12 | 0.14 | 0.11 | 0.08 | 0.06 | 0.31 | 0.05 | 0.01 | 0.02 | 0.04 | (0.29) | (0.06) | (0.05) | (0.05) | (0.09) | (0.12) | (0.14) | (0.06) | (0.05) |
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Cash Flow Statement
(in billions USD)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | (3.89) | (2.31) | (0.99) | (1.31) | (1.47) | 0.02 | (0.20) | (1.17) | (0.48) | 0.74 | (0.25) | (2.69) | (2.08) | (2.21) | (2.42) | (2.88) | (0.95) | (1.01) | (1.24) | (0.20) |
| Capital Expenditures | 0.10 | 0.07 | 0.07 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 | 0.01 | 0.01 |
| Free Cash Flow* | (3.99) | (2.38) | (1.06) | (1.37) | (1.53) | (0.03) | (0.24) | (1.22) | (0.52) | 0.71 | (0.28) | (2.71) | (2.11) | (2.24) | (2.44) | (2.91) | (0.97) | (1.04) | (1.25) | (0.21) |
| Investing Cash Flow | (2.83) | (2.39) | (2.10) | (1.46) | (1.72) | (1.44) | (1.28) | (0.08) | (2.19) | (1.26) | (1.41) | (0.17) | (0.27) | (0.04) | (0.05) | (0.05) | (0.05) | 0.05 | 0.03 | (0.16) |
| Financing Cash Flow | 6.53 | 3.11 | 4.70 | 3.80 | 3.19 | 1.43 | 1.22 | 1.50 | 1.26 | 1.06 | 1.98 | 2.65 | 2.87 | 3.38 | 3.05 | 3.19 | 0.30 | 1.90 | 1.12 | 0.44 |
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* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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