Revenue (FY 2025)
↑37.6% YoY
$1.10B
3-Yr CAGR: 21.0%
Net Income
↓-3.5% YoY
$481.32M
Net Margin: 43.9%
Free Cash Flow
↓-232.2% YoY
-$3.75B
FCF Yield: -15.81%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
N/A
ROA: 1.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (SOFI)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2020: Revenue YoY (+3.9%) is identical to Gross Profit YoY (+3.9%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+54.3%) is identical to Gross Profit YoY (+54.3%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+44.7%) is identical to Gross Profit YoY (+44.7%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+16.4%) is identical to Gross Profit YoY (+16.4%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Div / Sh | Div Yield | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY 2019 | $266.2M | — | $266.2M | $-239.7M | — | — | — | — | — | $-54.7M | $-54.7M | — |
| FY 2020 | $276.6M | +3.9% | $276.6M | $-0.6M | +99.7% | — | — | — | — | $-1.3M | $-1.3M | +97.7% |
| FY 2021 | $426.9M | +54.3% | $426.9M | $-483.9M | -74,767.3% | — | — | — | 0.00% | $-1,350.2M | $-1,350.2M | -104,875.3% |
| FY 2022 | $617.8M | +44.7% | $617.8M | $-320.4M | +33.8% | — | — | — | 0.00% | $-7,255.9M | $-7,266.4M | -438.2% |
| FY 2023 | $719.4M | +16.4% | $719.4M | $-300.7M | +6.1% | — | — | — | 0.00% | $-7,227.1M | $-7,236.9M | +0.4% |
| FY 2024 | $796.3M | +10.7% | $233.3M | $498.7M | +265.8% | — | — | — | 0.00% | $-1,119.8M | $-1,129.2M | +84.4% |
| FY 2025 | $1,095.4M | +37.6% | $525.9M | $481.3M | -3.5% | — | — | — | 0.00% | $-3,742.5M | $-3,751.1M | -232.2% |
Valuation
Market Price
$18.50
Market Cap
$23.73B
Enterprise Value
$18.80B
P/E Ratio
N/A
P/B Ratio
N/A
FCF Yield
-15.81%
Dividend Yield
0.00%
Shares Outstanding
Profitability & Margins
Gross Margin
48.01%
Operating Margin
48.01%
Net Margin
43.94%
Return on Equity (ROE)
N/A
Return on Assets (ROA)
0.95%
Asset Turnover
0.02x
Revenue 3-Yr CAGR
21.03%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
0.000
Cash & Equivalents
$4.93B
Total Debt
N/A
Book Value / Share
N/A
Cash Flow Efficiency
Operating Cash Flow
-$3.74B
Capital Expenditures (CapEx)
$8.67M
Free Cash Flow
-$3.75B
OCF / Revenue
-341.65%
FCF / Revenue
-342.44%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
N/A
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$50.66B
Total Liabilities
$40.17B
Stockholders' Equity
N/A
Current Assets
N/A
Current Liabilities
N/A