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SoFi Technologies, Inc. cash flow statement

In fiscal 2025, SoFi Technologies, Inc.'s operations generated −$3.74bn of cash; it spent $242m on capital projects, leaving free cash flow of −$3.98bn.

Cash flow statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Cash from operations−55−479−1,350−7,256−7,227−1,120−3,742−8,502
Depreciation and amortisation1670102151201203234263
Stock-based pay61100239306271246262284
Capital spending38255293111154242290
Free cash flow−92−504−1,402−7,349−7,339−1,274−3,985−8,793
Free cash flow after stock pay−153−604−1,641−7,655−7,610−1,520−4,247−9,077
Share buybacks90100———
Shares issued037000003,1863,273

Free cash flow is cash from operations minus capital spending. Free cash flow after stock pay also subtracts stock-based compensation, a real cost to shareholders that the cash flow statement adds back. Dividends, buybacks and shares issued are cash amounts for the period.

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Figures from SoFi Technologies, Inc.'s SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to SoFi Technologies, Inc.