Free Cash Flow for SoFi Technologies (SOFI)
Free Cash Flow for SoFi Technologies (SOFI): headline value -$2.61B · YoY +210.5%. Annual and quarterly series, chart, and tables are below.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
Currently viewingFree Cash FlowSwitch metric
Latest period
-$2.61B
YoY change
+210.5%
5Y CAGR
N/A
Peak year (2018)
$1.01B
Latest annual
-$3.98B
Free Cash Flow history chart for SoFi Technologies (SOFI) from 2017 to 2025
Free Cash Flow history table for SoFi Technologies (SOFI) from 2017 to 2025
| Fiscal year | Period ended | Reported | Free Cash Flow | YoY |
|---|---|---|---|---|
| 2025 | -$3.98B | +210.5% | ||
| 2024 | -$1.28B | -82.5% | ||
| 2023 | -$7.35B | -0.2% | ||
| 2022 | -$7.36B | +424.8% | ||
| 2021 | -$1.40B | +178.3% | ||
| 2020 | -$503.88M | +445.8% | ||
| 2019 | -$92.32M | -109.1% | ||
| 2018 | $1.01B | +1448.2% | ||
| 2017 | $65.21M | — |
Free Cash Flow values are taken from SoFi Technologies's reported cash flow statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
In 2025, SoFi Technologies (SOFI) free cash flow totalled -$3.98B – surged 210.5% year-over-year.
SoFi Technologies free cash flow plunged from $1.01B in 2018 to -$3.98B in 2025, a 494.7% drawdown.
$1.01B stands as the all-time-high annual free cash flow, posted in 2018, against a low of -$7.36B during 2022.
Within Financial Services, SoFi Technologies (SOFI) ranks 7th among 8 peers we track. The peer median for free cash flow is $19.24B.
SoFi Technologies Free Cash Flow by Year
SoFi Technologies Free Cash Flow 2025: -$3.98B
SoFi Technologies free cash flow in 2025 was -$3.98B, surged 210.5% from 2024.
SoFi Technologies Free Cash Flow 2024: -$1.28B
SoFi Technologies free cash flow in 2024 was -$1.28B, plunged 82.5% below 2023.
SoFi Technologies Free Cash Flow 2023: -$7.35B
SoFi Technologies free cash flow in 2023 was -$7.35B, edged down 0.2% below 2022.
SoFi Technologies Free Cash Flow 2022: -$7.36B
SoFi Technologies free cash flow in 2022 was -$7.36B, surged 424.8% from 2021. This figure represents the lowest annual value in the available history.
SoFi Technologies Free Cash Flow 2021: -$1.40B
SoFi Technologies free cash flow in 2021 was -$1.40B.
See more financial history for SoFi Technologies (SOFI).
Sector peers — Free Cash Flow
Companies in the same sector as SoFi Technologies, ranked by their latest free cash flow.
| Company | Free Cash Flow | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $100.87B | Financial Services |
| Morgan Stanley (MS) | $46.10B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $25.04B | Financial Services |
| Visa Inc. (V) | $21.58B | Financial Services |
| Mastercard Incorporated (MA) | $16.91B | Financial Services |
| Bank of America Corporation (BAC) | $12.61B | Financial Services |
| Wells Fargo & Company (WFC) | -$19.00B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | -$47.22B | Financial Services |
Frequently asked questions
What is SoFi Technologies's free cash flow?
Latest reported free cash flow for SoFi Technologies (SOFI) is -$2.61B (period ending December 31, 2025).
How has SoFi Technologies free cash flow changed year-over-year?
SoFi Technologies (SOFI) free cash flow changed +210.5% year-over-year on the latest annual filing.
When did SoFi Technologies free cash flow hit its highest annual value?
SoFi Technologies free cash flow reached its highest annual value of $1.01B in 2018.
What was SoFi Technologies free cash flow in 2024?
SoFi Technologies (SOFI) free cash flow in 2024 was -$1.28B.
What was SoFi Technologies free cash flow in 2025?
SoFi Technologies (SOFI) free cash flow in 2025 was -$3.98B.
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