Total Debt for SoFi Technologies (SOFI)
According to SoFi Technologies's latest reported financial statements, the company's latest reported total debt is $1.82B USD. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — combine with cash on hand for net debt, and see total liabilities for the broader obligations picture.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
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Latest period
$1.82B
YoY change
-43.3%
5Y CAGR
-18.5%
Peak year (2018)
$6.65B
Latest annual
$1.82B
Total Debt history chart for SoFi Technologies (SOFI) from 2018 to 2025
Total Debt history table for SoFi Technologies (SOFI) from 2018 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 2025 | $1.82B | -43.3% | ||
| 2024 | $3.20B | -40.2% | ||
| 2023 | $5.36B | -4.8% | ||
| 2022 | $5.63B | +34.3% | ||
| 2021 | $4.19B | -17.1% | ||
| 2020 | $5.06B | -0.5% | ||
| 2019 | $5.08B | -23.5% | ||
| 2018 | $6.65B | — |
Total Debt values are taken from SoFi Technologies's reported balance sheets (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
As of the 2025 fiscal year, SoFi Technologies (SOFI) reported total debt of $1.82B – plunged 43.3% year-over-year.
SoFi Technologies total debt compound annual growth for the 2020–2025 (5 years) window is -18.5%, with a net decline across the window.
The highest annual total debt of $6.65B was reported in 2018. The lowest in the available history was $1.82B in 2025.
SoFi Technologies (SOFI) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $395.81B.
SoFi Technologies Total Debt by Year
SoFi Technologies Total Debt 2025: $1.82B
SoFi Technologies total debt in 2025 was $1.82B, plunged 43.3% below 2024. This figure represents the lowest annual value in the available history.
SoFi Technologies Total Debt 2024: $3.20B
SoFi Technologies total debt in 2024 was $3.20B, plunged 40.2% below 2023.
SoFi Technologies Total Debt 2023: $5.36B
SoFi Technologies total debt in 2023 was $5.36B, edged down 4.8% below 2022.
SoFi Technologies Total Debt 2022: $5.63B
SoFi Technologies total debt in 2022 was $5.63B, surged 34.3% from 2021.
SoFi Technologies Total Debt 2021: $4.19B
SoFi Technologies total debt in 2021 was $4.19B.
See more financial history for SoFi Technologies (SOFI).
Sector peers — Total Debt
Companies in the same sector as SoFi Technologies, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is SoFi Technologies's total debt?
- Latest reported total debt for SoFi Technologies (SOFI) is $1.82B (period ending December 31, 2025).
How has SoFi Technologies total debt changed year-over-year?
- SoFi Technologies (SOFI) total debt changed -43.3% year-over-year on the latest annual filing.
What is the long-term growth rate of SoFi Technologies total debt?
- SoFi Technologies (SOFI) total debt compound annual growth rate is -18.5% over the most recent 5 years available.
When did SoFi Technologies total debt hit its highest annual value?
- SoFi Technologies total debt reached its highest annual value of $6.65B in 2018.
What was SoFi Technologies total debt in 2024?
- SoFi Technologies (SOFI) total debt in 2024 was $3.20B.
What was SoFi Technologies total debt in 2025?
- SoFi Technologies (SOFI) total debt in 2025 was $1.82B.
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