How SoFi Technologies (SOFI) Makes Money: A Visual Guide
SoFi Technologies (SOFI) generated $4.77B in revenue (TTM through Q4 2025), earning $481.32M in net profit (10.1% margin). Its largest revenue source is Lending Segment (48.1% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
SoFi Technologies (SOFI) Income Statement Flow
Frequently asked questions
How does SoFi Technologies (SOFI) make money?
- SoFi Technologies (SOFI) primarily makes money through Lending Segment, which accounts for 48.1% of total revenue. For TTM through Q4 2025, SoFi Technologies generated $4.77B in total revenue with a net profit margin of 10.1%.
What is SoFi Technologies (SOFI) gross profit margin?
- SoFi Technologies (SOFI) reported a gross profit margin of 68.7% for TTM through Q4 2025, equivalent to $3.28B in gross profit. This means SoFi Technologies retains 68.7% of each revenue unit after direct costs of production.
What is SoFi Technologies (SOFI) operating profit margin?
- SoFi Technologies (SOFI) reported an operating profit margin of 17.5% for TTM through Q4 2025, equivalent to $836.00M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is SoFi Technologies (SOFI) net profit margin?
- SoFi Technologies (SOFI) reported a net profit margin of 10.1% for TTM through Q4 2025, equivalent to $481.32M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does SoFi Technologies (SOFI) invest in R&D?
- SoFi Technologies (SOFI) invested $262.54M in research and development in TTM through Q4 2025 (5.5% of total revenue). R&D spending reflects investment in future products, services, and technologies.
How much does SoFi Technologies (SOFI) spend on capital expenditures?
- SoFi Technologies (SOFI) spent $249.79M on capital expenditures in TTM through Q4 2025 (5.2% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is SoFi Technologies (SOFI) free cash flow?
- SoFi Technologies (SOFI) generated −$2.61B in free cash flow for TTM through Q4 2025 (-54.8% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is SoFi Technologies (SOFI) effective tax rate?
- SoFi Technologies (SOFI) had an effective tax rate of 8.5% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.