SoFi Technologies, Inc. (SOFI) FY2026 YTD Q2 Statement of Cash Flows
2026-01-01 to 2026-06-30
Statement of Cash Flows
2026-01-01 to 2026-06-30
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Chart details
SoFi Technologies, Inc. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026
Cash flows for Jan 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Dec 31, 2025. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.
- Beginning cash on Dec 31, 2025
- 5,356,773,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
- Operating activities
- negative 6,205,438,000 US dollars. Net cash used.
- Net income
- 323,323,000 US dollars
- Share-based compensation expense
- 148,877,000 US dollars
- Depreciation and amortization
- 140,684,000 US dollars
- Deferred debt issuance and discount expense
- 5,645,000 US dollars
- Provision for credit losses
- 22,650,000 US dollars
- Deferred income taxes
- 62,625,000 US dollars
- Fair value changes in loans held for investment
- negative 222,000 US dollars
- Fair value changes in securitization investments
- negative 692,000 US dollars
- Other
- 4,342,000 US dollars
- Changes in loans held for sale, net
- negative 7,000,456,000 US dollars
- Changes in accrued interest on loans
- negative 59,847,000 US dollars
- Changes in loans previously classified as held for sale, net
- 437,397,000 US dollars
- Changes in servicing assets
- 13,860,000 US dollars
- Changes in other assets
- negative 376,000,000 US dollars
- Changes in other liabilities
- 72,376,000 US dollars
- Investing activities
- negative 5,225,196,000 US dollars. Net cash used.
- Proceeds from maturities and paydowns of available-for-sale investments
- 345,864,000 US dollars
- Other changes in loans held for investment, net
- negative 3,383,319,000 US dollars
- Purchases of non-securitization investments
- negative 20,159,000 US dollars
- Proceeds from non-securitization investments
- 1,708,000 US dollars
- Capitalized software development costs
- negative 2,293,000 US dollars
- Purchases of property, equipment and software
- negative 164,124,000 US dollars
- Purchases of available-for-sale investments
- negative 2,513,332,000 US dollars
- Proceeds from securitization investments
- 56,450,000 US dollars
- Proceeds from sales of available-for-sale investments
- 605,815,000 US dollars
- Purchases of loans held for investment
- negative 86,908,000 US dollars
- Acquisition of businesses, net of cash acquired
- negative 64,898,000 US dollars
- Financing activities
- 9,640,126,000 US dollars. Net cash provided.
- Net change in deposits
- 8,002,948,000 US dollars
- Proceeds from issuance of common stock
- 87,387,000 US dollars
- Payment of common stock issuance costs
- negative 115,000 US dollars
- Net change in debt facilities
- 1,488,307,000 US dollars
- Repayment of other debt
- negative 6,257,000 US dollars
- Payment of debt issuance costs
- negative 1,175,000 US dollars
- Taxes paid related to net share settlement of share-based awards
- negative 9,976,000 US dollars
- Proceeds from stock option exercises
- 2,597,000 US dollars
- Finance lease principal payments
- negative 406,000 US dollars
- Net change in stablecoin liability outstanding
- 52,484,000 US dollars
- Proceeds from issuance of common stock under the ESPP
- 24,332,000 US dollars
- Operating adjustment reconciliation
- 7,437,217,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
- financing gross reconciliation
- 9,658,055,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- investing gross reconciliation
- 6,235,033,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- Exchange-rate effect
- negative 706,000 US dollars
- Ending cash on Jun 30, 2026
- 3,565,559,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
- Cash sources and uses
- 14,996,899,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- Net cash change
- negative 1,791,214,000 US dollars. Ending cash minus beginning cash.
- Cash flow / Net income
- −19.19×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
- Operating cash flow
- negative 6,205,438,000 US dollars. Operating cash flow used in the free cash flow calculation.
- cash spent on productive assets
- 164,124,000 US dollars. These cash purchases are already included in investing activities above.
- Free cash flow
- negative 6,369,562,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.
Chart connections
- Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
- Financing contributions meet at a reconciliation junction before connecting to the net cash total.
- Investing contributions meet at a reconciliation junction before connecting to the net cash total.
- Operating reconciliation adjustments are not all independent cash receipts.
- Net income or operating cash is negative. The full signed reconciliation is retained: losses remain deductions, and any negative operating-cash total enters the junction from the cash pool. No positive direct-income connection is implied.
- Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
- The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
- Operating cash flow minus cash spent on productive assets equals free cash flow: negative 6,205,438,000 US dollars minus 164,124,000 US dollars equals negative 6,369,562,000 US dollars.
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